Premium Car Insurance to Cover Your Needs

Premium car insurance is the best insurance you can get for your vehicle. Expect to pay more, but discounts are available depending on your circumstance.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 4, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Premium car insurance will protect you in the event of almost any negative vehicle experience
  • You can save money on premium insurance by keeping a good driving record
  • Comparison shopping will also help you find the best deal for your coverage desires

When you want the best insurance that money can buy, you need premium car insurance. The top of the line is going to ensure that whatever happens, you and your car will be covered.

By definition, this requires more than liability only or state minimums.

Premium car insurance offers the latest in technology, and convenience while offering excellent customer service. Most importantly, premium coverage will protect your assets when the unthinkable occurs.

Enter your ZIP code to get your car insurance quotes now.

Who can get premium car insurance?

The best drivers and those who operate by the rules are entitled to premium car insurance. These are the people who:

  • Drive the speed limit
  • Pay their notes and premiums on time
  • Are over the age of 25

Drivers under 25 may be entitled to premium car insurance for a premium since they fall into a risk category.

To receive the best rate possible here are some of the factors insurance companies look for:

  • ZIP code
  • Credit history
  • Color of the vehicle
  • Usage of the vehicle
  • Club membership
  • Safety features of the vehicle

Where you live determines the likelihood of filing a claim. Someone in a small town of Vermont is less likely to have an accident than someone in Los Angeles.

Most insurance companies also offer 10 percent discounts on AAA, Bar Association, and similar associations.

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Premium Car Insurance for Premium Cars

There are many collectors who display their renovations during road shows and festivals. These car owners put less than 2,500 miles on them per year.

They must store them in a garage to maintain their custom finish. Classic car insurance is available for many of these collectors and car enthusiasts.

Maseratis, Ferraris, and Alpha Romeros are luxury sports cars that will demand premium car insurance. These specimens need special care which requires special car insurance.

Their parts have to be ordered under special conditions. With this in mind, insurance companies offer additional inclusions and riders for these policies.

Even if you don’t drive one of these high-priced beauties, you can create a premium policy to meet your needs.

Customizing Your Premium Car Insurance Policy

Customizing your premium car insurance policy assures you that you are getting the best coverage for your money. It also ensures that you do not pay for products that you may not need.

A person with three vehicles may not need rental car replacement while the person with only one does while their car is being serviced.

A homeowner may decide to combine their cars’ coverage with their home insurance in a blanket type policy. A boat is considered a cross between a home and a car which requires special provisions on a vehicle policy.

Even after you have purchased coverage, going through your policy with a fine-tooth comb to add or eliminate what you may not need is advisable.

Who offers premium car insurance?

It is not just the majors who carry premium car insurance, some smaller outfits may be able to offer a better custom policy than a major carrier.

The major carriers are going to have the latest plans that appeal to the masses. An online search is going to show what is available in the marketplace.

Some of the major carriers that offer you car insurance are:

  • Geico
  • Progressive
  • Allstate
  • Farmers
  • Nationwide

Although we recognize these names, you might still check out their record on claim denials. How stable is the company at the time of establishing your policy?

During 2008 several companies had to be bailed out during the financial crisis. A few years later, it’s a good idea to see who remained stable and strong by checking with insurance auditors like AM Best.

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What constitutes premium car insurance?

Premium car insurance is superior to other policies. That is determined by you!

  • Do they meet your individual needs?
  • Are they accessible when it counts?
  • Do they offer incentives and comparable rates?

These are important questions when deciding whether or not to consider a carrier. There are a few companies who even offer accident forgiveness.

Accident forgiveness offers leniency for those who may have a good driving record with no claims to date. Many companies raise the rate if you are at fault in an accident.

The best policies actually lower your premiums as an incentive to improve your driving record, or as your teens mature.

Where to Find Affordable Premium Car Insurance

You aren’t looking for a cheap car insurance policy as cheap denotes inferior quality. Instead, seek an affordable policy that offers you premium coverage.

Consider liability coverage in the recommended 100/300/100 amount.

Premium coverage also includes non-mandatory options like uninsured motorist coverage, PIP or medical, and collision and comprehensive car insurance.

Having these options in place will pay your own bills and the damage you cause others without bankrupting your life.

Start the process of obtaining premium car insurance. Enter your ZIP code into the search tool and get car insurance quotes now.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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