Auto Insurance

How do insurance companies define sports cars?

User Avatar
Wiki User
2014-04-17 01:20:44

"Insurance_Definition_of_Sports_Car" id=

"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

vehicles too.

More Information:

  • 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


Copyright © 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.