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Treating yourself to a luxury car? Make sure it’s protected!

If you are in the market for a new luxury car, there is a lot more to consider than just how fast it can go and how much it will impress your neighbors.  Dropping a large amount of money on your dream car is a big commitment, and probably something that you have worked very hard to achieve.

With this in mind, you will want to know that your new luxury car is well protected here in Florida.  From driving on the open road to keeping it safely stored away at home, there are lots of ways you can help to protect your new investment against theft, damage and even environmental factors here in Florida.

Every vehicle needs some kind of insurance to protect it from theft, and to ensure that you and other road users have a sense of remedy should an accident happen.  With a luxury car, everything suddenly becomes more expensive.  From the purchase price and repairs of mechanical components to the insurance and road taxes – buying a luxury car is an investment that lasts for as long as you own it.

With these added expenses in mind, ensuring that you have the right insurance for your luxury car is vital.

Not sure how best to protect your new luxury car?  Here’s our guide to the best insurance for luxury cars here in Florida.

What Type of Coverage Do You Need for a Luxury Car?

You will want to keep your pride and job safe and protected both on and off the road. Luxury cars are also more likely to be targeted by thieves or joy riders, so you should do everything in your power to keep it safe even when it is not be driven.  To ensure that your luxury car is well covered, consider the following coverage is part of your auto insurance policy:

Liability Insurance

The general rule for liability insurance is to buy enough to cover the value of anything you stand to lose if you are held liable for damages. This insurance will cover medical expenses and property damage to other parties in the event of a car accident if you’re proven to be at fault.  Most insurance companies will have a maximum amount of liability that they’ll cover with standard auto insurance, so if you are buying a supercar, you may need to speak to a specialist insurance provider.

Collision and Comprehensive Insurance

This should cover both damages to your own car and any others that are damaged as the result of a collision.  Comprehensive insurance also covers damages to your vehicle caused outside of accidents, including damage caused by natural disasters, falling objects, and theft.  Having this type of coverage ensures that you covered for the cost of repairs to your vehicle, regardless of fault.  The more expensive your car is, the more expensive it generally is to repair, so drivers of premium vehicles should not be without this.

Personal Injury Protection

Personal injury protection (PIP) insurance covers your medical bills and lost wages if you or your passengers are injured in a car accident.  Here in Florida, PIP coverage is required to be purchased by all owners of motor vehicles registered in this state. PIP coverage makes the individual responsible for their own injuries in an accident regardless of fault.

Property Damage Car Insurance

Property damage insurance covers you for any financial liability that occurs should you get into an accident and cause damage to someone else’s property.  Property damage coverage helps to ensure that any driver will be able to assume some financial responsibility for damage caused in an accident where they are deemed at fault.

Gap Insurance

Let’s face it, most people who purchase an expensive car, don’t buy it outright.  If you have the disposable income to afford the monthly loan payments on a high-value car, then usually you will purchase your dream car using a finance agreement of some kind or another.  If the worst should happen, gap insurance kicks in cover vehicle depreciation if you have a car loan. Rather than paying out to buy a new car, it pays the difference between the insurance claim check for a totaled or stolen car and the amount owed on the loan.

Luxury Car Insurance from The Sena Group

 Our experienced team understand the importance of purchasing the right level of cover for luxury cars and can help keep your dream car protected both on and off the road. Speak to our agents today at 561-391-4661 to see how we can help.

For more information about how The Sena Group can help you with any

of your insurance needs, please contact us at 561-391-4661.

We can be found on Social Media at the following links.


The Sena Group
6501 Congress Ave., Ste. 100
Boca Raton, FL 33487