How do insurance companies define sports cars?
"Insurance_Definition_of_Sports_Car">Insurance Definition of Sports
They usually go by horsepower, stock and aftermarket
modifications (i.e. turbo or superchargers), etc. They will usually
know if you have a sports car or not. You can also have a car
classified as rare or collectable that might be a sports car. If a
car has two doors its almost always classified as a sports car no
matter what. Also if the car is equipped with a manual transmission
its also most likely a sports car. It also depends how on the
replacement cost of the auto and location.
Insuring sports cars has always been a niche market, so it more
often than not pays to do your homework and contact the specialist
companies rather than the general insurers. If you have a classic
sports car in mind, there are a specialist companies for these
- I drive a '94 T-Bird. Some companies say it's a sports car
(with the V6? Yeah right), some luxury (almost passes as that), and
some just as a plain old car.
- I have a Firebird, 2 doors, manual and it's still not
considered a sports car.
- I have a 2 door 2004 Dodge Stratus SXT that is only a
4-cylinder but rated a 19 which is a sports car rating with high