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Performance Car Insurance

Much like classic cars, antiques, and custom cars, performance/high performance cars require a special type of insurance that goes beyond regular coverage for average cars. While some traditional auto insurance companies may offer auto insurance or “specialty” auto insurance for your high performance vehicle, classic car insurance companies may have much more to offer with regard to the unique needs of high performance car owners. To ensure that you receive the best auto insurance product for your high performance car, it is best to stick with collectible auto insurance companies or auto insurance companies that specialize in classics, antiques, hot rods, and custom cars.Insurance companies that offer “specialty” insurance are more likely to design an insurance policy for your vehicle that will take the agreed value (AV) of your performance/high performance vehicle into consideration instead of the actual cash value (ACV) or the stated value (SV). In the event of a total loss, only agreed value insurance policies guarantee that you will recover the full value of the vehicle. There is no depreciation with an agreed value policy. Actual cash value is coverage for everyday cars and stated value may actually depreciate vehicles as it only pays up to the stated value of the car.

A specialty insurance company will ensure that your performance/high performance auto has enough protection by providing the following: 

• Physical damage coverage for theft, fire, car accidents, vandalism, weather-related damages, etc.
• Bodily injury and property damage liability in case of an accident.
• Uninsured motorist high performance car insurance.
• Medical payments and personal injury protection (PIP) insurance, which covers medical expenses, and in some cases lot wages and other damages. Note: PIP insurance depends on the state.

Depending on the auto insurance company, the policy may specify that the performance/high performance auto cannot be used for racing, commercial transportation of goods and passengers, or for daily transportation. In addition, the vast majority of collectible/specialty insurance programs require all drivers to be 25 and older. In some cases, the insurance provider requires all drivers to be 30 and older. Enter your zip code in the box above to get free quotes on auto insurance for high performance cars here at AutoCarInsurance.org.