Luxury Auto Insurance
For everyday vehicles, one-of-a-kind collector cars and everything in between
Notable luxury car coverage features
Agreed value or actual cash value
If your vehicle is a total loss, we’ll pay the higher of either the agreed value on your policy or the actual cash value of the vehicle, with no deductible.2
If your vehicle is a total loss, we’ll pay the higher of either the agreed value on your policy or the actual cash value of the vehicle, with no deductible.2
Original replacement parts
If your vehicle needs repairs, we can help locate a nearby repair shop, and we’ll pay for them to use original equipment manufacturers' (OEM) parts.3
If your vehicle needs repairs, we can help locate a nearby repair shop, and we’ll pay for them to use original equipment manufacturers' (OEM) parts.3
Flexibility with rentals worldwide
If you rent or borrow a vehicle, you’re covered for both property and liability damage for up to 90 days. (If renting a vehicle outside of the United States, insurance requirements for that country must be met for our coverage to apply.) And if you need to rent a car while yours is being repaired, we can even arrange to have the vehicle brought to you.4
If you rent or borrow a vehicle, you’re covered for both property and liability damage for up to 90 days. (If renting a vehicle outside of the United States, insurance requirements for that country must be met for our coverage to apply.) And if you need to rent a car while yours is being repaired, we can even arrange to have the vehicle brought to you.4
Coverage for other transportation expenses
If your vehicle is involved in a covered collision 50+ miles from your home and can no longer be driven, we may help to reimburse hotel accommodations, meals and other expenses and can also assist with all of the logistics.5
If your vehicle is involved in a covered collision 50+ miles from your home and can no longer be driven, we may help to reimburse hotel accommodations, meals and other expenses and can also assist with all of the logistics.5
Protection from uninsured drivers
If you are injured in an accident caused by an uninsured or underinsured driver, your policy provides you with coverage for your injuries, up to the uninsured motorist limit on your policy. And, you can also purchase additional uninsured motorist coverage through PURE’s personal excess liability policy.
If you are injured in an accident caused by an uninsured or underinsured driver, your policy provides you with coverage for your injuries, up to the uninsured motorist limit on your policy. And, you can also purchase additional uninsured motorist coverage through PURE’s personal excess liability policy.
Loan & lease payoff
If your vehicle is a total loss, our gap coverage will help pay the amount due on your loan or lease, minus the amount we pay under physical damage coverage.6
If your vehicle is a total loss, our gap coverage will help pay the amount due on your loan or lease, minus the amount we pay under physical damage coverage.6
24/7 towing & optional roadside assistance
If you are involved in a covered accident and your vehicle is not drivable, we will pay to tow it to the repair shop of your choice. You can also add additional coverage for complete roadside assistance to help when you have a lockout, breakdown or when you are in need of a tire change.7
If you are involved in a covered accident and your vehicle is not drivable, we will pay to tow it to the repair shop of your choice. You can also add additional coverage for complete roadside assistance to help when you have a lockout, breakdown or when you are in need of a tire change.7
1. Vehicles registered in different states require a separate policy.
2. Coverage varies by state and vehicle type.
3. For replacement glass, we will use Original Equipment Equivalent (OEE).
4. In many states, comp and collision on at least one vehicle is required to be eligible for this coverage.
5. Coverage capped at $5,000 in some states.
6. Coverage does not provide payment for overdue loan or lease payments, financial penalties imposed under a lease for high mileage, security deposits not refunded by a lessor, cost for extended warranties or insurance purchased with the loan or lease and carry over balances from previous loans or leases.
7. Available for private passenger automobiles only.
Responsibility is rewarded with premium discounts on your luxury car policy
You can receive discounts and lower your premium by insuring more cars than drivers, keeping a child’s vehicle at home while they’re away at college, maintaining a history of safe driving and making other smart choices that reduce your risk.
Thoughtful service, proactive support
Personalized, compassionate claims service
We want to help you return to normal as easily as possible following a car accident. Your adjuster can assist you by booking rental vehicles, locating repair facilities, communicating with other drivers’ insurers and reducing other administrative tasks.
We want to help you return to normal as easily as possible following a car accident. Your adjuster can assist you by booking rental vehicles, locating repair facilities, communicating with other drivers’ insurers and reducing other administrative tasks.
Teen Driver program
Our Teen Driver program encourages safe driving practices through education and accountability. The program includes a complimentary subscription to Life360 and an interactive conversation guide that helps parents and teens talk openly about driving rules and expectations.
Our Teen Driver program encourages safe driving practices through education and accountability. The program includes a complimentary subscription to Life360 and an interactive conversation guide that helps parents and teens talk openly about driving rules and expectations.
File claims, access auto ID cards and more directly from your smartphone
With our mobile app, you can file claims directly from your smartphone and receive repair estimates in as little as a few hours. You can also access your auto ID cards, connect with towing and roadside assistance and receive temporary proof of insurance when purchasing a new vehicle.
With our mobile app, you can file claims directly from your smartphone and receive repair estimates in as little as a few hours. You can also access your auto ID cards, connect with towing and roadside assistance and receive temporary proof of insurance when purchasing a new vehicle.
Resources and support to keep you safe
The PURE Situation Room® notifies you with a phone call or an email in the event of an emergency or when risks like auto recalls are expected to impact you directly. We provide you with resources, advice and assistance to help your family and property safe.
The PURE Situation Room® notifies you with a phone call or an email in the event of an emergency or when risks like auto recalls are expected to impact you directly. We provide you with resources, advice and assistance to help your family and property safe.
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