Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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UPDATED: Oct 15, 2021

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Here's what you need to know...

  • Two-door cars are often identified as sports cars by insurance companies
  • In addition to body types, companies also look at theft rankings, engine size, and overall trim levels when setting the premiums
  • You can offset some rate increases by maintaining a clean driving record and asking for other discounts

When it’s time to buy a new car, be sure to consider all of the costs. In addition to gas mileage and potential repair costs, you should also take the time to learn about your insurance costs.

It’s a well-known fact that insurance companies charge more for sports cars, but you should know and how they’re defined.

Learning more about what goes into a premium will help you find better rates when you’re ready to cover a new car. If you know how a sports car is defined, then you can make the right buying decisions for your needs.

It’s never too late to start shopping for the right policy at the right price. Enter your zip code in our FREE comparison tool to get started!

Questionable Definitions

According to Road and Track, the term “sports car” properly describes a two-seater with a soft top and competition performance ability; however, many consider any two door sedan that’s fast a sport’s car. This confusion on what constitutes a sport’s car is why some people consider fast sedans and SUVs to be sports cars while others look strictly at the potential performance of a vehicle.

When the American public cannot come to an agreement on the definition of a sports car, it’s no wonder that insurance companies have a rather fluid definition.

It’s wise to communicate with your company ahead of time so that you can receive an accurate estimate before you make a purchase. If you already own the car, then you can shop around for better rates through a competitor that won’t judge the aesthetics of your car so harshly.

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The Pitfalls of Two Doors

You may like the idea of buying a coupe for the great mileage and attractive prices, but a two-door car can have some hidden costs. According to Edmunds, a car that only has two doors may automatically be subject to higher insurance rates from your company.

The fact is coupes looks and feels sportier than a sedan, so your rates may be a little higher than you expected. Before deciding on any new car, it’s wise to speak with your insurance company to see how they define a sports car, or what types of cars will have higher rates. If you have your heart set on a certain model, then you can shop around to find lower rates on one that will fit your needs.

Family Facts

Research also shows that two-door cars are typically chosen by riskier drivers including younger drivers, those who like to go fast, and people who will take more risks behind the wheel.

A car with four doors is seen as more of a family vehicle, and these drivers tend to be older, more mature, and less prone to risky behaviors. Some companies are now offering four-door coupes to help offset this imagery and provide drivers with lower insurance rates along with the attractive lines of a two-door car.

Factors that Play a Role in the Rate

Insurance companies believe in looking at the big picture, so what you think is a family car could be defined as a sports car. Speak with your company about rate changes before signing the dotted line and buying any new vehicle.

According to Kelley Blue Book, there are certain things that will increase the overall cost of insurance, regardless of the actual style of your car. These items include:

  • High-end models with higher price tags
  • Vehicles with larger motors
  • Popular cars that are at greater risk for theft
  • Sports cars that can travel faster than most other vehicles on the road

If you want that high-end vehicle that can hit top speeds in three seconds or less, then you should be prepared to pay a little more for the insurance. Keep in mind, however, that you can effectively lower your insurance cost by taking the time to shop around.

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Watch out for Stereotypes

One problem with driving a sporty car is that insurance companies rely heavily on research, statistics, and even stereotypes. A general rule of thumb is that high-performance cars tend to attract “risky” drivers who are more likely to speed and drive aggressively. If and when they’re damaged, these vehicles are more costly to repair.

The insurance company will look at these stereotypes and respond with higher premiums. Compare, for example, the insurance rates for minivans and SUVs. These cars are typically driven by mothers, and they have a lower accident rate historically, so they tend to carry lower premiums.

You can beat the stereotypes. Follow these tips to keep your premiums lower, even if you have a sports car:

  • Maintain a clean driving record for three years or longer so that you can shop around for a lower premium.
  • If you’re interested in a two-door vehicle that may be defined as a sports car, then you can ask your insurance company for a list of two-door cars that carry lower rates to see if one of them will suit you.
  • Save time on your bargain hunting by using a comparison tool that will provide you with information from multiple companies at one time.

Your new car is waiting for you, but you don’t want to have any surprises when you sign up for insurance. Before deciding on a car, take the time to speak with your agents about any expected rate increases.

When you learn more about how your company defines sports cars and sets premiums, you can make more informed purchasing decisions. In addition to lowering your premiums by maintaining a clean record, you can also shop around to find more attractive rates.

Start shopping today by entering your zip code in our FREE comparison tool!