What it a sports car in the understanding of an insurance company?

If you are going to buy a sports car, after the purchase you will have to pay higher insurance premiums since sports cars drivers tend to drive faster and riskier, therefore, the probability of an accident is higher. Besides, it is more expensive to repair a sports car. That’s why insurers ask drivers to pay more premiums for such kind of autos.

sports-cars

Usually, sports cars drivers have many other expenses on their autos. If we add insurance payments to the regular payments, we will find out that owning a sports car is very expensive. Even though sports cars owners are often ready to pay to own their autos, economy is always appropriate. For this reason, one should look for the best rates on the insurance of sports autos.

How a sports car is defined?

Different insurers provide different definitions of a sports car. However, if you car ends up being classified as a high performance vehicle or sports auto by your insurer, you should have no doubt that you will have to pay higher premiums. When defining a sports auto, an insurer takes into account following factors: automaker and model, size of engine, amount of cylinders, hp, height, and weight. Common features for sports cars are sleek look, low height, race parts, two doors, and high responsiveness.

Why is it so expensive to insure a sports car?

Not only risk is a factor why sports cars are expensive to insure. Another key factor is that sports cars are very expensive in repair. The most important thing you can do to make your premium payments as low as possible is to keep clean your driving record. If you have clean driving record or are close to having it, companies won’t think that you can have an accident and damage your vehicle easily. Besides, you should employ different safety mechanisms, including systems for locating vehicles and alarms, to assure your insurer that your car won’t be stolen or damaged in any other way.

List of most expensive autos in insurance

  • Acura Legend GS
  • Acura Legend L
  • Acura Legend LS
  • Acura NSX
  • Acura NSX-T
  • Aston Martin
  • Austin Healy
  • Audi 5000
  • Avanti
  • Bentley
  • Bricklin
  • BMW CS Series
  • BMW L Series
  • BMW M Series
  • BMW 21
  • BMW Z1 Roadster
  • Chevy Camaro RS
  • Chevy Camaro Z-28
  • Chevy Cavalier Z24
  • Chevy Caprice LS
  • Chevy Corvette
  • Chevy El Camino
  • Chevy Impala SS
  • Chevy Lumina Z34
  • Chevy Monte Carlo SS
  • Chevy Nova SS
  • Chevy Camaro IROC-Z
  • Chevy Crossfire
  • Chevy Laser
  • Chrysler Conquest
  • Chrysler Conquest TSI
  • DeLorean
  • Dodge Challenger
  • Dodge Charger
  • Dodge Colt GTS Turbo
  • Dodge Conquest
  • Dodge Daytona Turbos
  • Dodge Daytona IROC-Z
  • Dodge Spirit R/T
  • Dodge Sprinter Vans
  • Dodge Stealth
  • Dodge Viper
  • Dodge Eagle
  • Dodge Vision TSI
  • Dodge Talon
  • Dodge Talon TSI
  • Ferrari
  • Fiat
  • Ford EXP Lightning
  • Ford Cobra GT LX 5.0
  • Ford Thunderbird Sport
  • Ford Torino GT
  • GMC Cyclone
  • GMC Typhoon
  • Honda Civic Del Sol SI
  • Honda Civic Del Sol VT
  • Honda CRX
  • Honda CRX Si
  • Honda Prelude SI
  • Honda Prelude VT
  • Isuzu Amigo
  • Isuzu Impulse
  • Jaguar XJ-S
  • Jeep Scrambler
  • Jeep Taurus SHO
  • Jeep Willie
  • Jeep Wrangler
  • Jeep CJ
  • Jeep DJ-5
  • Lamborghini
  • Lexus SC300
  • Lexus SC400
  • Lincoln Mark VII B
  • Lincoln Mark VII LSC
  • Lincoln Mark VIII
  • Lotus
  • Maserati
  • Mazda Miata
  • Mazda RX-7
  • Mercedes-Benz
  • Mercury Cougar XR-7
  • Merkur Scorpio
  • Mitsubishi 3000
  • Mitsubishi Eclipse
  • Mitsubishi Starion Ralliart
  • Mitsubishi EVO-RS
  • Nissan Roadster
  • Nissan Pulsar
  • Nissan NX2000
  • Nissan 200SX/240SX
  • Nissan Z Models
  • Nissan ZX Models
  • Nissan 300ZX
  • Oldsmobile Achieva with HO Quad 4 Engine 442(400)
  • Oldsmobile Cutlass Calais Quad 4
  • Peugeot
  • Plymouth Conquest
  • Plymouth Laser
  • Plymouth Prowler
  • Pontiac Fiero
  • Pontiac Firebird
  • Pontiac Trans-Am
  • Pontiac Grand Am GT
  • Pontiac LE
  • Pontiac SE
  • Pontiac Grand Prix GT/G TP
  • Pontiac GTO
  • Pontiac Sunbird GT
  • Pontiac Sunbird SE
  • Porsche
  • Range Rover County
  • Range Rover Defender
  • Land Rover
  • Renault Alliance
  • Renault GTA
  • Renault Fuego
  • Rolls Royce
  • SAAB Turbos
  • Subaru Brat
  • Subaru SVX
  • Subaru WRT-STi
  • Suzuki Samurai
  • Suzuki Sidekick
  • Toyota Celica GT
  • Toyota Celica Supra
  • Toyota Landcruiser
  • Toyota MR2
  • Triumph TR3,4,5,6,7, and 8
  • Volkswagen Corrado
  • Volkswagen Phaeton
  • Volkswagen GTI
  • Volkswagen Scirocco 16v
  • Volvo 850 R
  • Volvo 850 Turbo
  • Yugo