Coverage Tailored for Automotive Icons
Owning an exotic car isn’t just about transportation — it’s about craftsmanship, legacy, and performance. Whether it’s a Lamborghini, Ferrari, McLaren, Aston Martin, or another high-performance vehicle, your car deserves more than standard auto insurance. At Stacks Brokerage, we provide specialized Exotic Car Insurance that’s built to protect what traditional policies often can’t.
Why Exotic Cars Need Specialized Coverage
High Value = High Exposure
Exotics can cost anywhere from $100,000 to well over $1 million. A standard auto policy simply isn’t designed to handle that kind of replacement value.
Standard carriers may undervalue your car
Book values don’t reflect the true market or collector value of rare, low-production vehicles. You could be left underinsured.
Repairs require experts
Replacement parts, custom paint, or repairs may need to be done by a certified dealer or specialty shop — not the body shop down the street.
Mileage and usage restrictions
Many exotic vehicles aren’t daily drivers. A proper policy can reflect limited use, garage storage, or show-only operation — and often reduce premiums.
What’s Included in Exotic Car Insurance?
We work with carriers that offer true Agreed Value coverage, not depreciated or book-based settlements. You’ll know exactly what your payout would be in the event of a total loss — no surprises, no haggling.
Key coverages often include:
- Agreed Value Coverage
You and the insurer agree on your car’s value up front — no depreciation or “market adjustments” at claim time. - OEM Parts Guarantee
Repairs are done with original manufacturer parts, not aftermarket substitutes. - Specialist Shop Access
Freedom to repair your car at a dealer or exotic-certified facility of your choice. - Worldwide Coverage Options
Protection if your vehicle travels to car shows, rallies, or auctions across borders. - Flexible Mileage Options
Coverage for occasional drives, seasonal use, or even full use with adjusted rates. - Spare Parts & Accessories
Covers rare parts, performance upgrades, and collector accessories. - Diminished Value Protection
If your car is repaired after an accident, coverage can account for its loss of market value. - Roadside Assistance & Flatbed Towing
Includes exotic-friendly flatbed towing — no hooks, no chains, no risk.
What Makes Stacks Different?
We work with specialty carriers
Hagerty. Chubb. PURE. Cincinnati. These companies get exotic cars — and so do we.
White-glove service
From quote to claim, we act as your advisor and advocate. No call centers. No boilerplate.
Custom policy structuring
We tailor your limits, deductibles, and usage terms to match your needs — whether it’s one vehicle or a whole collection.
Multi-policy discounts
Insure your home, collector cars, and other valuables together for preferred pricing.
Privacy & discretion
We work with business owners, athletes, and collectors who value discretion. Your information stays protected.
Is Exotic Car Insurance Right for You?
Consider this coverage if:
- You own a high-end or collector vehicle valued over $100,000
- You show, display, or rarely drive the vehicle
- You’ve modified or restored the car beyond standard specs
- You’re concerned with resale value and post-repair market loss
- You store your car in a private garage or collection
- You want true concierge-level support from your insurance partner
Let’s Protect What Moves You
- Contact us — Tell us about your vehicle and how you use it.
- We evaluate your needs — Agreed value, usage, storage, and any coverage gaps.
- We quote from the top exotic carriers — You get options from providers who specialize in high-value autos.
- Choose your protection — We’ll walk you through the coverage and make sure it checks every box.
- Get support year-round — Adding a new car? Moving? Showing your vehicle? We’ll help adjust your policy at every turn.