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PURE
Hands-on customer service.
Built-in discounts.
High coverage limits.
Insure your luxury or exotic car with this provider that’s geared toward high-net-worth individuals.
Auto insurance is an essential purchase that can help protect you and your vehicle from the unexpected. Whether you drive an antique car or own a collection of high-end vehicles, repairs can be expensive, making it important to have the right coverage. Pure offers agreed-value auto insurance for high-end vehicles so you can protect your prized possessions for what they’re worth.
Pure specializes in car insurance for high-net-worth individuals collect or drive expensive cars, with insurance policies designed for luxury, classic and high-end cars.
States served
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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Who is Pure best for?
This provider is best for those with $1 million or more of financial assets who collect or drive expensive cars. From vintage Minis, Aston Martins to luxury sports cars, Pure’s policies are designed to cover even the most expensive vehicles with high maximums. Its agreed-value auto insurance protects your vehicle for its value, meaning there are no surprises when you receive your payout.
Popular luxury and exotic car brands covered by Pure
Pure, which stands for Privilege Underwriters Reciprocal Exchange, is a property insurance company, established in 2006. Designed for the wealthy, Pure offers a number of policies to cover your home, jewelry, art, vehicles and more.
According to AM Best, a top ratings agency, Pure holds an A- or excellent rating for financial stability, affirming its ability to pay out claims. The company has grown by over 30% every year since it was established, making it the fastest growing personal insurance provider in the US.
Where is Pure available?
Pure insurance policies are available in every state except Idaho and the company serves over 70,000 families across the nation. Policy availability varies, so visit its site and contact a broker to see if the coverage you need is available in your area.
What types of auto insurance does Pure offer?
Pure’s site doesn’t offer a lot of details on standard coverage, but its policies include features that other providers might offer as separate policies.
Agreed-value comprehensive coverage. With Pure’s help, you’ll determine a fixed payout amount in a total loss. This allows you to replace a totaled vehicle with a similar one without a deductible or depreciation costs.
Gap coverage. If you have an outstanding loan or lease and your payout doesn’t cover the full amount after a total loss, your policy covers the difference.
Worldwide coverage. You’ll get property and liability damage coverage when you rent a vehicle anywhere in the world for up to 90 days.
Extended transportation expenses. If Pure covers vehicle repairs after a loss, it delivers a rental vehicle similar to yours. If your vehicle breaks down more than 50 miles from home, Pure provides coverage for a hotel, meals and other travel expenses up to $5,000.
Original replacement parts. Repairs follow high standard and with original equipment manufacturers’ (OEM) parts. Plus, Pure policies provide access to an Auto Repair Network with trusted repair facilities.
No deductible for uninsured driver damage. If an uninsured driver damages your vehicle, you won’t pay a deductible for your collision coverage. If you have personal excess liability insurance through Pure, you can purchase additional uninsured motorist coverage up to $10 million.
Pure car insurance special features
Unlike many other providers, Pure doesn’t offer discounts or special features. Instead, it provides a number of great perks and competitive pricing built into its auto insurance program.
Unlimited roadside assistance. Get 24/7 access to towing, tire replacements, lockouts and breakdowns.
Smart pricing. Though you won’t find discounts through Pure, you can get lower premiums when you make choices that reduce your risk. This includes things like covering more cars than drivers, storing your child’s vehicle at home while they’re away at school, limiting the number of days you drive your collector car.
Pros and cons of Pure car insurance
Pros
Expanded coverage options. Between agreed-value insurance, lease gap coverage and the option to extend coverage through Personal Excess Liability insurance, your vehicle is protected in an accident.
Long list of policy features. You’ll find perks like uninsured motorist coverage, free 24/7 roadside assistance included in your policy.
Pure Express mobile app. Pure’s mobile app allows you to monitor your account, file a claim, submit pictures of damage and get repair estimates in as little as a few hours.
Online learning center. Pure includes comprehensive learning resources that outlines ways to reduce risk, promote safe driving and more.
Cons
Can be expensive. Considering the value of the vehicles Pure insures and the level of coverage, you’ll likely pay more for coverage than you would from a larger provider.
Can’t purchase online. Unlike many other providers, you can’t purchase coverage online or get a quote.
Lack of transparency. Pure doesn’t offer details on its site about customizing its policies.
A selective provider. Pure prefers to insure low-risk drivers with high-value cars or assets. Not everyone can qualify for Pure car insurance.
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What do customers say about Pure?
Unfortunately, there isn’t a whole lot of information about Pure on the official Better Business Bureau site. It’s not accredited with the bureau, it doesn’t have an official rating and you won’t find any customer reviews or complaints filed against it.
However, other online forums seem to reflect a positive view of the company, with many customers stating that they’re satisfied with the service. Reviews are overwhelmingly positive on Trustpilot and other review sites, and according to Pure’s annual report, the company has a 95% member retention rate.
How to apply
Purchasing coverage from Pure must be done through your local broker. Visit the Pure website and enter your ZIP code or call 888-813-7873 to find your nearest broker.
Alternatively, you can request a proposal online.
Visit the Pure site.
Click Request a Proposal at the top of the page.
Fill in your information and submit the form.
Once your request is made, a Pure representative reaches out to help guide you through the insurance-buying process. This includes finding the right coverage and limits for your situation and connecting you to the right agent.
What info do I need to apply?
When applying for coverage, you’ll need to provide the following details:
Personal information, including your name, address, email address and phone number.
Driver’s license number and driving history.
Employment information.
Vehicle details, including the year, make, model and VIN.
Payment information.
How to file an auto insurance claim with Pure
Filing a claim with Pure can be done one of three ways:
Phone. Call 888-813-7873 to get in touch with an adjuster 24/7.
Email. Send an email to claims@pureinsurance.com and a representative will get back to you with next steps.
Mobile app. Log in to your account and navigate to the Claims section to begin the process.
Once you get in touch with one of Pure’s licensed claims adjusters, you’re assigned a dedicated Pure Member Advocate who guides you through the entire process. They help arrange a rental car and keep you updated on the status of your claim.
What do I need to file a claim with Pure?
When filing a claim with Pure, you’ll need to provide the following information for everyone involved in the accident:
Incident details of what happened, including the date and location.
Vehicle and driver information.
Insurance information, including their policy number and insurer.
Contact information.
How to contact Pure
The best way to get in touch with Pure is by phone, but there are a number of other ways you can reach out.
Phone. Call 888-813-7873 on weekdays from 8:30 a.m. to 8 p.m. ET or Saturdays from 8 a.m. to 8 p.m. ET.
Mail or email. Visit the Pure site, scroll to the bottom of the page and click Contact Us to get more information on various office locations and email addresses.
Social media. On the Pure site, you’ll find links on the bottom right-hand corner to its Facebook, Twitter, LinkedIn and Instagram pages.
Does Pure offer any other types of insurance?
Yes. Along with coverage for your luxury vehicle, you can get several other policies through Pure, including:
Watercraft insurance
Specialty vehicles including motorcycles, luxury motorhomes and golf carts
Home insurance
Flood insurance
Condo and co-op insurance
Personal excess liability
Personal property including jewelry, art and collections
Fraud and cyber fraud insurance
Pure auto insurance competitors
Pure specializes in insurance for high-net-worth individuals, which is a much smaller market than standard property insurance. While there is far less competition, there are still a few other providers to consider.
Chubb. Its ultra-high coverage limits and unique services for high-net-worth individuals make it a standout among other providers.
The Horton Group. While it specializes in business insurance, it also has a division for personal property insurance. You’ll find special policies for your collector and antique cars here.
Assured Partners. Access a lineup of personal insurance policies that cover expensive property including vehicles and homes.
Burns & Wilcox. If you’re young and own collector cars, you may want to look into this provider. It offers agreed-value coverage and doesn’t shy away from younger drivers.
Classic Auto Insurance. This insurer specializes in policies for antique classic cars and luxury vehicles from brands like Aston Martin, Bentley and Rolls-Royce.
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Bottom line
If you’re looking to insure your exotic, antique, collector or luxury car, Pure might be right for you. It offers a wide range of options including agreed-value coverage and no deductible for claims caused by an uninsured driver. Coverage may be expensive and must be purchased through a broker, but these drawbacks are common in the high-net-worth insurance industry.
Regardless of which provider or policy you’re looking into, it never hurts to compare your options before making a final decision.
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Frequently asked questions about Pure
Yes, though the discounts aren’t as obvious as you’d find with other insurance providers. Instead, Pure offers smart pricing, taking your personal situation and risk level into account to determine your premium. Making decisions that reduce your risk of filing a claim will help you save on insurance.
Yes. Pure’s auto insurance is designed for expensive vehicles, including exotic cars, antiques, car collections and more. Speak with a representative to discuss coverage options for your unique vehicle.
No. Pure only allows customers to purchase coverage through brokers. While this may seem inconvenient, it allows Pure to tailor coverage to each situation, meaning you’ll get the most out of your insurance policy.
Peter Carleton is a writer at finder.com who specializes in credit cards, life insurance, mortgages and more. In his free time, you can find him cooking, writing or honing his skills in WordPress development.
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