Best Direct Car Insurance Quotes Pennsylvania to Get With Full Coverage for Imported Japanese Cars (JDM)

Imported Japanese cars, also known as JDM (Japanese Domestic Market) vehicles, are growing in popularity among auto enthusiasts in the United States. Models like the Nissan Skyline, Toyota Supra, Honda NSX, and Mazda RX-7 offer exciting performance and styling that appeal to lovers of speed, luxury, and exotic designs.

However, insuring these specialty vehicles can be challenging and expensive. Standard insurance policies may not provide adequate coverage for modifications, aftermarket parts, and the overall high Value of JDM automobiles. Finding the right direct car insurance in Pennsylvania requires an insurer to understand the unique needs of imported vehicle owners.

Best 5 Car Insurance Companies in Pennsylvania for Affordable Coverage and Online Quotes

• State Farm: Offers competitive rates and discounts for safe drivers, making it a cheap and reliable option for car insurance in Pennsylvania.
• GEICO: Known for their low-cost car insurance quotes online, Geico provides full coverage options and is popular among new and young drivers.
• Allstate: With a wide range of insurance products, Allstate offers full coverage car insurance and online tools to manage your policy near you.
• Country Financial: Tailors insurance policies for individual needs, offering affordable rates and no-deposit options for car insurance seekers.
• Liberty Mutual: Provides some of the best rates for young and new drivers, with the convenience of managing car insurance quotes and policies online.

This comprehensive guide examines top insurers in Pennsylvania that provide customized coverage, competitive rates, and VIP claims service for owners of imported Japanese cars.

What Factors Impact Insurance Costs for Imported Vehicles?

Insurers classify JDM vehicles as sports or performance cars, meaning risk factors like high horsepower, speed capabilities, and rapid acceleration raise rates. Common reasons imported models have expensive premiums include:

• Powerful Engines: High-output turbocharged or supercharged engines produce more speed and get categorized as a sports car risk.
• Lightweight Construction: Using carbon fiber, aluminum, and composite materials instead of steel increases crash vulnerability.
• Limited Production: Rare JDM classics like the Toyota 2000GT are costly to repair or replace if damaged. Limited parts availability also drives up fixed costs.
• Aftermarket Upgrades: Custom upgrades like lowered suspension, intake/exhaust add-ons, and performance chips increase value and repair costs.
• High Theft Target: Coveted Japanese classics get stolen more often for black market export. Exotic status increases theft risk premiums.
• Driver Profile: Age, driving history, credit score, and other demographics factor into rates. Young drivers and risky profiles pay more.

The more modifications, customizations, and performance enhancements done on an imported vehicle, the more insurance costs will rise. However, finding the right insurer can minimize premiums.

5 Best Car Insurance Companies in Pennsylvania for Imported Japanese Vehicles

We reviewed Pennsylvania's top insurers to identify five that offer the best direct quote value for owners of imported Japanese cars:

1. State Farm

With over 19 million policies nationwide, State Farm is the no.1 auto insurer in the United States. Their affordable rates, stellar customer service, and comprehensive coverage make State Farm a smart choice for ensuring prized Japanese imports in Pennsylvania.

Highlights:

• Modification coverage: Policies automatically cover aftermarket parts and custom upgrades. No need to itemize each add-on.
• Agreed value coverage: Allows setting a fixed payout amount if your car is totaled, accounting for modifications.
• Diminishing deductible: Deductible drops by $100 each year you're claim-free to a minimum of $0.
• Rental reimbursement: Pays for a rental car while yours is in the shop after an accident.
• New car replacement: If your new JDM car is totaled in the first few years, you get the money for an equivalent new model.

While State Farm doesn't offer exotic car insurance per se, its standard policies are flexible enough to fully cover any imported vehicle with custom parts and upgrades. Competitive rates reward safe drivers while premiums for riskier profiles remain reasonable.

Extended policy options like rideshare coverage, roadside assistance, and OEM parts coverage provide enhanced protection. When you're ready to import and insure your JDM exotic, check State Farm first.

2. GEICO

Famous for those amusing gecko TV ads, GEICO is one of the largest auto insurance carriers in the U.S., with comprehensive offerings for all types of vehicles. Their instant online quotes and bare-bones pricing structures appeal to savvy shoppers.

Highlights:

• Mechanical Parts Coverage pays for engine breakdown, transmission, etc. af,ter war the ranty expires.
• Modified Car Insurance covers custom upgrades, lift kits, audio equipment, and more.
• Rental Car Reimbursement pays for rental while your car is repaired after an accident.
• Ridesharing Coverage protects vehicles used to drive for Uber, Lyft, etc.

Geico policies offer solid baseline protection focused on state minimum liability and basic comprehensive/collision coverage. You can customize by adding endorsements for trailer towing, vacation liability, and other special situations.

Geico's low rates reward safe driving histories and loyalty. Multi-vehicle and multi-policy discounts provide additional savings opportunities. Geico is hard to beat for a seamless digital quoting and policy management experience.

3. Allstate

Allstate is another insurance powerhouse nationwide with excellent direct quote options in Pennsylvania for Japanese imports. Their broad coverage plans and specialized add-ons cater to the unique needs of collectors and enthusiasts.

Highlights:

• Blanket coverage?for aftermarket parts without the need to itemize.
• Guaranteed Value Plus?pays what you believe your car is worth in case of total loss.
• Classic car insurance?designed for collectors with flexible mileage and storage options.
• Accident forgiveness,?so one mishap doesn't drive up your rates.
• High liability limits are?essential for expensive exotics. It can get up to $500k.

Allstate agents receive special training on collector vehicles and can guide you in defining the proper agreed-value and coverage limits for your cherished JDM automobile. With around 16,000 agents nationwide, Allstate makes it easy to get personalized service.

Quotes are available 24/7 via phone, online chat, or the Allstate mobile app. File claims anytime and track status through the app, too. Allstate's reputation for claims satisfaction keeps clients loyal year after year.

4. Country Financial

Country Financial provides specialized coverage for auto enthusiasts paired with convenient online/mobile tools, rounding out the top national brand contenders.

Highlights:

• Agreed Value coverage lets you pre-set how much your car is worth.
• The custom parts value option pays for damage to aftermarket accessories.
• New car replacement and GAP coverage - great for newer models.
• Storage protection maintains coverage when storing a car for long periods.

While Country Financial offers standard policies, they go the extra mile for collectors and specialty automobile owners. Enthusiast club memberships and multi-vehicle discounts help lower costs.

The easy "Name Your Price" quoting tool makes it simple to adjust coverages and deductibles to arrive at the monthly number you want. File claims 24/7 by phone or through the mobile app. Manage payments and documents online or using text messaging. Liberty Mutual wraps reasonable rates with stellar digital convenience.

5. Liberty Mutual

For imported Japanese classics 25 years or older, the aptly named Liberty Mutual insurance delivers specialized protection. Their passionate experts provide tailored coverage based on each vehicle's unique details.

Highlights:

• Agreed value policies are factoring in restoration costs.
• Low mileage discounts for vehicles driven infrequently.
• Flexible usage allows covering cars parked, in storage, or being restored.
• No broker fees and multi-car discounts.
• Enthusiast club discounts for members of car collector organizations.

Liberty Mutual offers standard policies and more immersive Passion Plans with valuation assistance and VIP claims handling.

Their network of collector car experts provides trusted advice while coverage options accommodate every usage scenario. Liberty Mutual is the top choice for serious enthusiasts, with a cherished Japanese import needing specialized protection.

What Key Policy Coverages Should You Get?

While each imported car's ideal insurance plan will differ based on age, Value, and condition, we recommend these core coverages:

• Agreed Value Coverage - Sets a fixed payout amount if your car is totaled so you get its full customized Value.
• Aftermarket Parts Coverage - Ensures upgraded parts and accessories are covered.
• Diminishing Deductible - Deductible drops each year you go claim-free, reducing costs over time.
• Rental Car Reimbursement - Pays for a rental while your car is repaired after an accident.
• GAP Insurance - Covers the "gap" between what your car is worth and what you still owe if totaled.

Also consider:

• Increased Liability Limits - Protect assets if you're sued after an at-fault accident.
• Uninsured/Underinsured Motorist Protection - Covers injuries if hit by a driver with no or too little coverage.
• Roadside Assistance - Pays for towing and services if your car breaks down.

Adjust limits and deductibles to strike the right balance of premium affordability while still getting adequate protection. An independent agent or broker can provide informed recommendations based on your specific imported vehicle.

Expert Tips to Save on Imported Car Insurance

Follow these tips to keep insurance costs down for your treasured Japanese imported automobile:

• Shop Around Extensively: Get quotes from at least five insurers to compare rates for the same coverages.
• Ask About Discounts: Seek discounts like multi-car, safe driver, anti-theft devices, affinity group memberships, good student, etc.
• Select Higher Deductibles: Choose a higher collision/comprehensive deductible, like $1,000, to lower premiums if you can afford out-of-pocket costs in a claim.
• Drop Unnecessary Coverages: If your car is paid off, you likely only need liability, not full coverage.
• Check Rates Annually: Re-shop quotes before renewal since new insurers may offer better pricing as market conditions change.
• Maintain Good Credit: Insurers often adjust premiums based on credit-based insurance scores, so keep your reports clean.
• Drive Safely: Avoid accidents, traffic violations, DUIs, and other high-risk driving behaviors that boost rates.

The best way to get affordable imported car insurance in Pennsylvania is to put in the time to get multiple quotes, understand how various factors impact pricing, and optimize your options. The savings can be significant while getting protection customized for your special automobile.

Pennsylvania Insurance Requirements for Japanese Imported Vehicles

To legally operate any motor vehicle in Pennsylvania, state law requires you to carry the following minimum auto insurance coverages:

• Bodily Injury Liability - $15,000 per person, $30,000 per accident
• Property Damage Liability - $5,000 per accident
• Uninsured Motorist Bodily Injury - $15,000 per person, $30,000 per accident
• Underinsured Motorist Bodily Injury - $15,000 per person, $30,000 per accident

Higher liability limits like 100/300/50 are recommended since the minimums may not fully cover injury claims from an at-fault accident involving an expensive imported vehicle. Many insurers like State Farm now offer limits up to $500,000.

Comprehensive and collision coverage is not required in Pennsylvania but is highly advisable to protect your investment. A standard $500 deductible helps control premium costs. Consider $1,000 or higher if you can afford more out-of-pocket risk.

Pennsylvania Car Insurance Discounts Available

Ask your insurer about all possible discounts to help offset higher premiums for imported sports cars and performance vehicles:

• Multi-car discount if insuring multiple vehicles
• Anti-theft device discount for alarms, tracking systems
• Good driver discount for accident-free records
• Student discount for young drivers with good grades
• Safety course discount for completing defensive driver training
• Low mileage discount for driving 5,000 miles or less annually
• Multi-policy discount for bundling home and auto insurance
• Automatic payment discount for recurring billing vs. manual payments

Don't forget affinity group member discounts. Car collector clubs, enthusiast organizations, alum associations, and major employers sometimes have negotiated discounts extended to members/employees.

Frequently Asked Questions About Imported Car Insurance in Pennsylvania

How much is insurance for an imported JDM car in Pennsylvania?

Premiums vary significantly based on your vehicle, driving history, age, location, chosen limits/deductibles, and other factors. Generally, expect to pay $150 - $350 monthly for a middle-aged driver insuring an imported sports car valued at around $30,000. High-risk drivers with exotic classics can pay $500+ monthly.

Can you get classic car insurance for an imported vehicle in Pennsylvania?

Insurers like Hagerty, Grundy, and American Modern offer classic car insurance but generally limit eligibility to U.S. domestic makes over 20-25 years old. However, Japanese models like the Datsun 240Z, Toyota 2000GT, and Mazda Cosmo may qualify for classic designation if in original unaltered condition. Check with each company on eligibility requirements.

Will safety features like airbags lower insurance rates on imported cars?

Yes, insurers factor safety features and crash test results into premium pricing models. Later-generation Japanese imports with advanced safety engineering can qualify for small discounts compared to their predecessor generations, lacking airbags, ABS brakes, stability control, etc.

Can I insure an imported JDM vehicle if it's not street-legal in the U.S.?

Auto insurance follows the vehicle, not the driver, so legally, you must have U.S. registration and titling to insure any car. Gray market imports that lack DOT/EPA certification cannot be insured for street use. However, "show purpose only" policies are available if the car is kept in a garage and not driven.

Do I need commercial auto insurance if I use an imported car for my small business?

A standard personal policy should cover infrequent business use like commuting or client meetings. If the imported vehicle gets used for extensive delivery work, transportation services, sales calls, etc., then a commercial policy is advisable to ensure proper coverage. Consult your insurer on when business use is considered commercial.

Can I insure an imported "right-hand drive" Japanese classic car?

Yes, insurers will cover right-hand drive vehicles imported legally through registered importers that handle all DOT/EPA compliance. Steering components adapted left-to-right by backyard mechanics may be rejected and cars smuggled illegally into the country. Work with a reputable importer/exporter to bring in right-hand drive classics.

Key Takeaways: Direct Car Insurance for Imported Japanese Vehicles

• Shop extensively to compare quotes, as premiums can vary dramatically between insurers.
• Emphasize agreed-value and aftermarket parts coverage to insure modifications properly.
• Increase liability limits above state minimums for enhanced lawsuit protection.
• Ask about all possible discounts to help offset high-performance car rate hikes.
• Consider specialty insurers like Hagerty or Liberty Mutual for rare, valuable classics.
• An independent agent or broker can advise the right customized coverage plan.
• Allow extra time to locate parts and complete repairs at qualified shops experienced with Japanese imports.

Importing your dream car from Japan involves extra insurance diligence and cost. But finding the right specialty insurer provides peace of mind, knowing your treasured exotic or collector vehicle has tailored protection. Compare top Pennsylvania providers for the optimal imported car insurance fit.

Disclaimer: The reviewed car insurance products are stand-alone services, and we have no direct involvement in their quotes or influence over rates and terms. Requesting a car insurance quote does not guarantee approval, and some products may perform other checks. Some car insurance products may not be available in all states. This article provides general information, and although we strive for accuracy, we are not liable for errors or omissions. Some links may be affiliate links; we may earn commissions if clicked. Verify information independently and seek professional advice before making decisions; use of this article implies acceptance of these terms.