You found the luxury car of your dreams, but getting it insured may be a bigger challenge than expected. Luxury and exotic vehicles can have unique insurance needs, and some can be covered only by specialty providers. To find the best luxury car insurance now, understand what it can cover and how it differs from standard auto coverage. Learn more: How does car insurance work? The basics explained. What qualifies as a luxury car? There is no hard-and-fast definition of a luxury or exotic car, but they ...