High-Value Auto Insurance

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Protect your high-value vehicle with a high-value auto insurance policy

Just as you need superior high-value home insurance coverage, so does your high-value vehicle. Mass market insurance is acceptable for mass-market products, but your luxury car, classic car, or antique car requires insurance coverage that was designed for high-value vehicles and which Kelly Klee customizes for you.

What makes high-value auto insurance be of greater value than the coverage the “good hands” or “good neighbor” type of insurers offer? There are more reasons to have high-value auto insurance than you can count on one hand.

What is high-value auto insurance?

Protection beyond standard auto insurance policies

When you’re shopping for a high-value auto insurance policy, it seems like mass-market insurers spend more time telling you about what’s not covered than what is. It’s especially important to be mindful of these exclusions if you’re in the market for luxury car insurance or classic car insurance.

How Kelly Klee is Different

A special class of coverage

Kelly Klee offers coverage not available through mass-market insurance


Sets a value for your vehicle that you approve at the time your policy begins—which means that no matter how much time passes, you’ll receive the agreed-upon amount if you have a total loss


Means original equipment manufacturer (OEM) parts will be available for repairs instead of cheap knock-offs


Pays up to $10,000 with no daily limit if your insured vehicle is being repaired due to a covered loss


Provides the newest model year of your same vehicle if your older-year model is totalled

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What does high-value auto insurance cover?

Enjoy time on the road knowing you are properly covered

When you purchase auto insurance through Kelly Klee, it’s different. We give you options that allow you to be fully covered, no matter what type of vehicle you own. This can translate into real savings if you get into an accident with a high-value vehicle such as a luxury model, an antique car or a collector car.

Agreed Value Option:  One of the most contentious areas of any auto insurance claim handled by mass-market insurers is the value of the insured vehicle. Of course, the owner of a totaled vehicle wants to receive reimbursement equivalent to the highest price valuation they can find online or offline.

On the other side of the table, the insurer wants to pay out as little as possible on any claim, particularly a totalled vehicle. And, history has shown that the insurance company’s valuation, not the vehicle owner’s research, determines the size of the check the customer receives.

However, that’s not the case with the Agreed Value Option. This option sets a value on your vehicle when you apply for coverage, not at the time of an accident. No matter how much time passes from the day you took out coverage until the accident occurred, you receive the agreed-upon amount when you took out your policy.

For example, for your spouse’s birthday, you bought them a brand new $105,000 Mercedes-Benz. You selected the Agreed Value Option the day you signed the insurance application, establishing the agreed value at $105,000. Three years later, that vehicle is now valued at $92,000, and you experience a total loss. Per your policy, you would receive $105,000 from your insurer, as agreed upon. No arguing, no negotiating. The contract set the price, not a claims adjuster.

New Car Replacement Option:  New car replacement insurance will pay you the amount needed for you to purchase a brand new car of the same make and model instead of the depreciated value of your totaled car.

For example, let’s say you purchased a brand new 2020 Range Rover Autobiography for $131,000. Twelve months later, that vehicle was totaled in an accident. At that time, the 2021 Range Rover Autobiography was selling for $137,000. With the new car replacement option, you would be reimbursed for a new model of the Autobiography, not just $131,000. You aren’t trapped paying the difference.

Rental Reimbursement:  All rental reimbursement benefits are not the same.Mass market insurers routinely offer a 30/30 policy, which allows you a maximum benefit of $30 per day, not to exceed 30 days. If you are used to driving a Mercedes-Benz, for example, you would want the same or equivalent type of rental vehicle. It’s highly doubtful that you’ll find a high-value vehicle available at $30 per day.

Not so with a high-value automobile policy. Superior rental reimbursement benefits have no daily limit and a maximum benefit of up to $10,000. As a result, you would be able to rent a vehicle comparable to yours and ride in the same luxury you’re accustomed to.

Kelly Klee
Typical Insurance
Worldwide protection
Typically U.S. and Canada only
Agreed value
Lease/loan gap
Collector vehicles
Typically unavailable
Original manufacturers' parts
Included; when available
Vehicle lock replacement
Rental car following a claim
Up to $12,500 with no per day limit
Up to $900 with a per day limit
New car replacement
Optional; limited
Cash settlement
Personal property
Included; up to $2,500
Choice of repair facility

How much high-value auto coverage do you need?

Special care is required when evaluating coverage for high-value autos

You can pick and choose the options that work best for you. At Kelly Klee, we will listen to your needs and create a custom policy to meet them. So whether you need insurance for your luxury car, classic car, antique car or collector car, our high-value auto insurance can keep you covered.

At Kelly Klee, we offer our clients customized high-value vehicle insurance tailored to meet their needs. Along with your high limit liability coverage, every valuable option is presented to you. When our consultation ends, you’ll know that your coverage won’t disappoint you if the need to file a claim arises. Our high-value auto insurance will keep you covered.

How to get started

Great coverage starts with a plan

Illustration of a man sitting in a chair, completing an insurance application on a tablet

Get started by filling out our easy-to-use and follow online application — it's secure and only takes a few minutes to complete.

Illustration of two people talking. One is a customer, and the other is an insurance specialist providing advice

Our specialized coverage advisors will handle the rest! They will start by shopping the market for you based on your unique needs and will make recommendations.

Illustration of a custom insurance plan

We deliver you a custom plan with clear recommendations. You get to choose what options work best for you!

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Who has the best high-value auto insurance?

If you qualify, private client insurance carriers offer the best protection

Private client insurance is specifically designed for individuals who have more to protect—either in quantity, value, or both—it is only offered by select carriers that specialize in serving the high-end market. Coverage is comprehensive, limits are higher and there are more features when compared to typical mass-market insurance products.  

Chubb Insurance logo

If you’re in a covered accident, Chubb always pays for Original Equipment Manufacturer (OEM) parts to restore your car to a similar look, feel, and function as before.

AIG logo

If you need to rent a vehicle while yours is being repaired, there’s no per-day limit with AIG and you can rent a car of comparable value.

In the event of a total loss, PURE pays the Agreed Value stated on your policy with no deductible. If that doesn’t cover the amount outstanding on an existing loan or lease, PURE pays the difference.

If your new auto is totaled or stolen, Cincinnati offers new car replacement with a vehicle in the most recent model year.

Kelly Klee works with all of the most prestigious private client insurance companies.