If you are well enough off to buy a Fisker I think you should consider having a very high deductible for damage to your car. It isn't worth it to insure your car for dings and dents if you can reliably afford to pay the body shop / tire place yourself. If you price shop different deductible levels you will see that you pay the cost of the trip to the body shop every 3- 5 years.

Caveats: Leases may not let you do this. Insurance is priced wildly differently for all kinds of reasons. Some places you may get your car dented a lot more frequently.