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How can I find a cheap sports car auto insurance quote?

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Things to Remember...
  • As one would expect, it is most often more expensive to insure a sports car than the typical family four-door sedan
  • This type of insurance allows the company and vehicle owner to set an “agreed value” for the vehicle and its’ total replacement cost
  • Typically, there are a number of discounts available through your current provider if you look for them and inquire about them


When asked to describe what they think of when they hear the term “sports car”, the average driver on the street today would probably begin to describe a Ferrari, Mustang, or classic Camaro.

The truth is, however, that the definition of a sports car can vary a great deal between any two given auto insurance companies, or vary from state to state.

Use our FREE auto insurance comparison tool by entering your ZIP code to compare quotes right away!

Generally speaking, the biggest factors in classifying a car as a “sports car” include engine size, number of cylinders, horsepower, or engine modifications.

There are also smaller, more subtle factors to be considered as well, including:

  • Number of doors
  • Gross weight of the vehicle
  • Aftermarket racing-style upgrades, such as suspension or tires
  • Convertible tops
  • Flashy, custom paint or wheels

A major component to consider when purchasing a sports car is the insurance, a bigger part of the cost of driving a car than most realize.

This is for obvious reasons; the added horsepower or larger engine allows the vehicle to go faster than other vehicles on the road. With this added speed comes the risk of accidents involving both people and property.

There is also a higher incidence of theft with sports cars, and replacement costs are a larger burden for the insurance company to manage.

The good news is that there are many ways for the consumer to beat the higher cost of sports car insurance.

Here we will take a quick look at a few “tips and techniques” to help the sports car owner ultimately find a cheap, reasonable quote on sports car insurance.

Networking

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This technique, in addition to helping one out in their career, can also help them save on car insurance as well.

Start with the dealer or the person you purchased the car from. In the case of an individual, ask who his insurance provider was.

A dealer who sells high-end vehicles on a weekly basis is almost certain to have a relationship with certain insurance companies.

Ask him whom he can recommend and if you are eligible for a “family and friends” discount. At the very least, it certainly cannot hurt to ask!

Also, don’t overlook a quick call to any local car clubs in your area that might be able to offer assistance.

Niche Markets

Some auto insurance companies specialize in providing insurance for antique, classic, or “muscle cars.”

This smaller niche market allows for customized insurance for unique vehicles and provides coverage for the actual value of a given vehicle, not just the standard “blue book” value for that particular year vehicle.

This type of insurance allows the company and vehicle owner to set an “agreed value” for the vehicle and its’ total replacement cost. Deductibles can be tailored as well.

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Defensive Driving Courses

This is a sure-fire way to help with lowering auto insurance costs. The average insurance company will allow for up to ten percent discount on the liability portion of your auto insurance.

Typically, these courses are offered as a six-hour session, and with some insurers are even offered online. The registration fee for this course will pay for itself in no time!

Discounts From Your Current Insurance Provider

Before buying your dream car, a sit down meeting with your current insurance agent would be a wise choice. Typically, there are a number of discounts available through your current provider if you look for them and inquire about them.

Discounts are available for combining policies, installing after-market safety features, or simply having a good driving record.

One or two moving violations can quickly add up to a few points on your license, and result in increased premiums!

Other lesser-known discounts to investigate include low annual mileage discounts, good student discounts, or even automatic drafts from your checking account can earn you a discount on your policy.

Installation of an anti-theft device and alarm systems can put money back into your pocket as well.

Online Search Tools

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This technique is probably a given in our wired society today. There are many, many websites available to the consumer to help one shop for cheap auto insurance quotes for a sports car.

From the comfort of your home, you can compare quotes from dozens of different insurance companies quite easily. Most of these online tools will allow you to customize your information to match your particular situation.

A FREE car insurance comparison tool is available on this website, just by entering your ZIP code!

Information regarding engine size, mileage, number of miles driven per year, etc are also variables that one can enter to compare different scenarios.

Looking to compare monthly vs. annual premiums? One can compare possible savings realized almost instantly.

Compare now by entering your ZIP code in our FREE car insurance comparison tool!

With some of these sites, a proof of insurance card can be instantly available and printed immediately, providing peace of mind for the driver and his dream machine.

Oh, and be sure to give your baby a nice crib to sleep in. A car that is garaged overnight is going to earn a discount as well!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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