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What is considered a sports car for insurance coverage purposes?

Every auto insurance provider is different and they each have their own standards when it comes to determining whether a vehicle should be classified as a sports car. Most have a very complex set of equations used to decide if a car is a sports car. Each insurance company has its own vehicle classification system that is typically based upon ISO (Insurance Services Office) VIN system or other company proprietary ranking systems.

Both foreign and domestic private passenger autos are classified as a vehicle type - sports car, high performance, luxury, van, truck, convertible, etc. Each of the following items helps determine a vehicle's classification as a sports car or other type of vehicle:

  • Engine Type
  • Manufacturer
  • Body Style
  • Engine Size
  • Full Model Name
  • Model/Series
  • Body
  • Engine
  • Cylinders
  • Restraint
  • Restraint Indicator
  • Anti-lock
  • Transmission
  • Other Options
  • Daytime Running Lights
  • Wheel Base
  • Class Code
  • Anti-Theft
  • Curb Weight
  • Gross Vehicle Weight
  • Height
  • Horsepower

There is no standard definition of a sports car among insurance companies. A general definition among consumers typically is a small, high-powered car with two doors. However, with so many different vehicle models available today, such a simplistic definition is not really sufficient. In today's car market it is not uncommon to see high powered vehicles with highly tuned engines with four doors.

The only way to really know if an insurance company considers a vehicle is to contact them directly and find out. And independent of whether your car is considered a sports car, you will be offered different rates from different companies anyway, so you should always compare quotes from multiple carriers to find the best deal.


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