Beyond the Basics: Unpacking AIG's Elite Auto Insurance for High-Net-Worth Drivers

When it comes to luxury cars, supercars, and priceless collector vehicles, standard insurance policies simply won’t cut it. For high-net-worth individuals, auto insurance isn't just about compliance — it’s about comprehensive protection, exceptional service, and global peace of mind. Enter AIG Private Client Select, one of the most exclusive and robust auto insurance options for high-value vehicles and elite drivers. In this guide, we take a deep dive into AIG auto insurance, evaluating its benefits, features, drawbacks, and unique place in the market of premium auto insurance providers.

Whether you own a Ferrari, a Bentley, a fleet of Porsches, or a classic 1967 Shelby GT500, AIG car insurance offers tailored solutions that go well beyond conventional coverage. From agreed value insurance to worldwide liability and original parts replacement, AIG isn’t just selling insurance — it’s offering an experience designed specifically for the lifestyles of the ultra-affluent.

Let’s explore what makes AIG Private Client Select the go-to choice for insuring some of the world’s most exclusive vehicles.

What is AIG Private Client Select?

AIG Private Client Select is AIG’s premier offering for high-net-worth individuals, providing comprehensive protection for autos, homes, collectibles, and liability. Their auto insurance segment is purpose-built for those who own luxury cars, collector vehicles, vintage cars, or even supercars — often housed across multiple properties and countries.

Unlike standard auto policies, AIG Private Client Select auto insurance delivers:

• Agreed Value Insurance: You and AIG agree on a vehicle’s value upfront. In the event of a total loss, you receive that amount — no depreciation, no guesswork.
• Worldwide Auto Liability Coverage: Coverage that follows you and your vehicles across borders.
• New Vehicle Replacement Option: Replaces your totaled car with the latest model of the same make, up to two years old.
• OEM Parts Guarantee: Repairs are made with original parts, preserving the integrity of your investment.
• High Limits & Multiple Vehicle Coverage: One policy can protect a garage full of high-end cars with extremely high liability limits.

For many, AIG Private Client Group auto policy benefits provide more than just protection — they offer discreet, elite service and dedicated claims handling.

Who Should Consider AIG Auto Insurance?

This coverage isn’t for everyone — nor was it designed to be. AIG car insurance is best suited for:

• High-net-worth individuals with multiple residences and vehicles
• Owners of luxury or exotic vehicles (Aston Martin, Lamborghini, etc.)
• Classic or collector car enthusiasts
• Supercar owners needing specialty insurance
• Clients who need international auto insurance
• Families or individuals insuring multiple luxury cars on one policy
• Those looking for tailored car insurance solutions with white-glove service

According to Forbes, AIG competes with providers like Chubb and PURE Insurance, and while comparisons often arise (AIG auto insurance vs. Chubb, for example), AIG’s auto-specific perks for elite clients help it stand apart.

Features That Set AIG Auto Insurance Apart

Let’s unpack some of the standout features of AIG Private Client Select auto coverage.

1. Agreed Value vs. Stated Value Insurance

AIG uses agreed value insurance, meaning the payout is predetermined and contractually locked. Unlike stated value, which can still be subject to depreciation or insurer interpretation, agreed value ensures your high-end or collector car is valued accurately and fairly.

2. Collector Car & Classic Vehicle Coverage

Owners of vintage cars and rare collectibles — from a 1932 Duesenberg to a 1970 Ferrari Daytona — benefit from specialized AIG classic car insurance policies. These policies account for:

• Fluctuating market value
• Storage considerations
• Limited mileage allowances
• Concours-level restoration needs

AIG is known to work with top appraisers and restoration shops, and even allows AIG car insurance for vintage cars to include scheduled value increases.

3. Global Liability & Elite Perks

With AIG worldwide auto liability coverage, you're protected whether you're driving in Monaco or Malibu. This is invaluable for international clients or those who vacation with their vehicles.

Additional perks may include:

• Roadside assistance tailored to exotic vehicles
• Concierge towing with flatbeds
• Access to top-tier body shops and OEM-certified mechanics

4. Multiple Car Coverage on One Policy

If you're juggling several cars — a daily Mercedes, a weekend McLaren, and a stored Shelby — AIG auto insurance for multiple cars simplifies it all into one seamless policy. This means fewer administrative headaches and easier premium management.

AIG Claims Experience for Luxury Vehicles

The AIG claims experience for high-end autos is often described as “white-glove.” When a loss occurs:

• A dedicated claims advisor is assigned immediately
• Repairs are arranged at specialty shops or through manufacturer-certified centers
• Communication is streamlined through a single point of contact
• Coverage extends to original parts replacement, not aftermarket equivalents

Clients report that AIG auto insurance customer service for elite clients is discreet, fast, and respectful of their time and privacy — a must-have when dealing with rare vehicles.

How Much Does AIG Auto Insurance Cost for High-Value Cars?

Pricing varies based on the car’s value, usage, storage conditions, and driver history. That said, AIG car insurance cost for high value cars typically starts in the thousands annually — but what you're buying is peace of mind, not just coverage.

Remember: A $300K vehicle deserves a policy that understands its worth — not one built for commuter sedans.

Pros and Cons of AIG Private Client Auto Insurance

Pros:

• True agreed value coverage
• Elite concierge-style claims process
• Custom-tailored options for exotic, collector, or vintage cars
• International coverage and multi-car policy consolidation
• Access to exclusive deductible options and repairs with OEM parts

Cons:

• Higher premiums than standard insurers
• Limited availability (must qualify through income/net worth and vehicle value)
• Not ideal for everyday cars unless bundled with elite coverage

Still wondering, Is AIG Private Client Select good? If you value your time, your privacy, and your vehicles — the answer is yes.

Comparing AIG to Other Elite Providers

For ultra-wealthy clients, AIG auto insurance vs. Chubb or AIG vs. PURE Insurance are common debates. Here’s a quick overview:

While each has its strengths, AIG Private Client Select stands out for its dedicated luxury car focus, international perks, and discreet service model.

How to Get a Quote or Contact AIG

To inquire or apply, many search for the AIG Private Client Select contact number or visit AIG's official website. It’s worth working with a broker or agent who specializes in tailored car insurance solutions, especially if you’re also insuring homes, yachts, or fine art under one policy.

And while Noble Quote doesn't currently offer AIG coverage directly, we specialize in premium vehicle repair protection — a perfect complement to elite auto insurance.

Visit the Noble Quote Learning Center to explore repair coverage options for your high-value vehicle.

Final Thoughts: Is AIG Auto Insurance Right for You?

For those who treat cars as investments or passion pieces — not just transportation — AIG Private Client Select offers some of the most comprehensive, discreet, and customized auto insurance in the market. It’s not about cutting costs. It’s about securing value, service, and protection in every sense of the word.

Whether you're looking to insure a Bugatti Chiron, a 1960s Jaguar E-Type, or your entire collection, AIG understands the assignment — and delivers beyond the basics.