Aston Martins can be costly to repair or replace, leading to higher car insurance premiums; however, these luxurious cars often include advanced safety features which may help decrease rates.
Clean driving records and excellent credit can qualify for discounts, or consider increasing their deductible to reduce premium costs.
Liability coverage
Liability coverage is often required when driving an Aston Martin. This coverage helps pay for injuries and property damage caused by you in an accident, as well as legal expenses should someone sue you for exceeding their insurance limits. ValuePenguin advises carrying at least $100,000 of liability coverage with additional options available such as personal injury protection (PIP/MedPay) or new car replacement (NCR) which would replace it should your Aston be damaged during an incident.
Aston Martin sedans boast a powerful 552-horsepower V12 engine and suspension designed for racing heritage, reaching 60mph in only 4.2 seconds and providing a luxurious driving experience on curvier roads. If you're shopping used Aston Martins, make sure they come equipped with luxurious options and cutting-edge tech so you can maximize your driving success behind the wheel.
Though Aston Martin is considered a luxury brand, insuring one isn't significantly more costly than insuring other premium models such as Audi, Mercedes-Benz or BMW. On average, its annual car insurance cost averages out to just over $1,580 more per year than BMW - though if you can afford an Aston Martin Rapid S Sedan it may well be worth making the extra investment for its high-end features.
Shop around and take advantage of discounts available to you when insuring an Aston Martin Rapid S Sedan insurance rate, such as good student, safe driver, multi-policy and homeowner (bundling). A higher deductible could also save money; just ensure it fits within your financial circumstances before selecting it as too high a choice.
Comprehensive coverage
The 2016 Aston Martin Rapid S is an iconic luxury sports car with an eye-catching design that will have everyone envying it on the road. While not suitable for everyday use, its impressive performance and stunning aesthetic make up for its higher price tag - however if purchasing this vehicle it's important to factor in insurance costs first before committing.
Comparable non-luxury vehicle rates average $750 more expensive for Aston Martin car insurance annually than non-luxury models, due to premium brands being more desirable targets for thieves. But there are ways you can lower your auto insurance rates: shop around and ask about discounts that pertain to driver records, credit scores and age.
Opting for comprehensive and collision coverage rather than liability only may help save money. Comprehensive and collision policies cover damages to your Aston Martin once your deductible (typically $500 or less) has been met, according to ValuePenguin. These policies also can save on repair costs as well as protect you financially in case it is stolen or damaged by someone driving uninsured.
One way to save on auto insurance premiums is by opting for higher deductibles. This strategy can drastically lower premiums if you possess a good driving record and credit history, and negotiate directly with your provider or even switch providers.
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Collision coverage
A comprehensive car insurance policy for 2014 Aston Martin Rapid S Sedan typically includes liability (to cover injuries to third parties) comprehensive (which covers damage that wasn't your responsibility) and collision (optional - helps cover repair/replace costs if collision with another object or your own property occurs) coverages as well as optional uninsured motorist and medical payment coverages.
Aston Martins are high performance cars with expensive repair or replacement costs, resulting in higher insurance premiums than non-luxury cars. Furthermore, Aston Martins can depreciate rapidly which increases premiums even further. To help reduce costs you could consider purchasing either an older Aston Martin or one with lower horsepower ratings than your desired model.
Your Aston Martin Rapid S Sedan insurance rates could be decreased by shopping around and taking advantage of discounts such as good/safe driver, safe student and multi-policy discounts. Raising your deductible could also lower monthly premiums; furthermore, bundling auto and home policies is likely to save money overall.
Your 2014 Aston Martin Rapid S Sedan car insurance could also benefit from installing security features that reduce risk, such as electronic stability control, night vision cameras or tracking devices. Savings vary based on insurer and state; certain features might only apply to certain models or trim levels of Aston Martins; so always consult your agent when making this decision.
Uninsured motorist coverage
The 2016 Aston Martin Rapid S Sedan is an exquisite car designed to impress. Boasting a powerful V12 engine and multiple great features that are sure to please drivers everywhere, the 2016 Aston Martin Rapid S Sedan boasts luxurious features sure to please any motorist that takes the wheel. However, purchasing such an expensive vehicle requires higher car insurance premiums.
Your car type can have an enormous effect on your car insurance rates, so it's essential that you choose an Aston Martin policy tailored specifically to meet your needs. In addition to standard liability coverage required in most states, comprehensive or collision policies may offer extra protection should an uninsured driver cause damage or your Aston Martin is stolen. These plans cover repairs or replacement expenses should an incident occur that leaves it damaged beyond repair and may even reimburse for its cost should it be damaged beyond repair by uninsured drivers.
Increase your deductible to save money on car insurance by increasing it - this means paying more out-of-pocket if filing a claim occurs. Furthermore, look out for discounts like good student, multi-policy and homeowner (bundling).
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Underinsured motorist coverage
Assuring an expensive vehicle like the 2016 Aston Martin Rapid S Sedan requires an inclusive insurance policy with underinsured motorist coverage. This type of protection protects you against financial loss in case your vehicle is hit by an uninsured or underinsured driver, paying medical bills, funeral costs and any expenses related to an accident. Underinsured motorist coverage should also be added alongside liability coverage to provide optimal protection from potential damages.
The Aston Martin Rapid S is an exquisite sports car starting at $206,000. Powered by a 6.0-liter V12 engine producing 552 horsepower and 465 pound-feet of torque, this ZF eight-speed automatic transmission accelerates it from zero to 60 in just 4.2 seconds - two trim options are also available: Base Edition and Shadow Edition.
Aston Martin cars may not be cheap to insure, with higher insurance rates than non-luxury U.S. and Japanese cars. On average, Aston Martin costs more per year to insure than BMW; $1,580 more than Mercedes-Benz; and more than Lexus by $1822. However, if you want the latest in luxury vehicles then investing in an Aston Martin may be worthwhile.
When choosing an insurance policy for your car, its value should also be taken into consideration. Your options for this could include stated value and agreed value policies; with stated value policies allowing you to state its worth should it become totaled while agreed value policies involve reaching an agreement on its worth with both yourself and the insurance provider. Both these plans may help lower premium costs, yet could reduce potential payout amounts.