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Sports Car Insurance

Let’s face it; most of us would love to drive a sports car. They’re powerful, fast, eye-catching and an all-around fun car to drive. You can have an exhilarating drive in a convertible down a coastal highway, or in a sleek coupe racing down the highway (at legal speeds of course...). However, with such a fun and apparently awesome car to cruise around in comes a class of vehicles with notoriously horrendous insurance rates.

Sports cars have some of the highest – if not the highest – insurance premiums of any class of cars. Statistics have shown time and time again that drivers of sports cars are exceedingly more likely to get in an accident. This, in turn, raises the insurance premiums on all sports cars. When you buy a sports car you are practically announcing that you like things fast and are, perhaps, a risk taker of sorts. Another reason insurance companies beef up prices for these cars is the reason people bought them in the first place. Everyone loves a sports car; especially thieves. Sports cars are the most likely car to be stolen, according to research. Drivers under 30 who own a sports car experience some of the highest overall insurance rates of any driver. This is because there is a relatively inexperienced driver behind the wheel of a car that has some of the highest accident rates of any vehicle. The average sports car costs $1,667/year in insurance alone, and $138.97/month. If you think that price is ridiculous, owners of convertible sports cars pay an average of $2,036/year, which is $169.75/month.

If you do decide to insure a sports car, then there are a number of ways in which to minimize the amount that you’ll have to pay. The number one mistake people make – in terms of insurance prices – when they buy a sports car is immediately modifying the engine, spoiler, et cetera. When you make these modifications to the original vehicle, insurance companies are notorious for drastically inflating the cost of your insurance. If you have Personal Injury Protection as part of your auto insurance, you can get rid of it to save some money – that’s only as long as your health insurance is sufficient, should some unforeseen problem occur. This will essentially lower your premium. There is one exception to the rule of modifications however. Check with your agent, but most companies offer a discount if you install additional security features on the car. Remember sports cars appeal to thieves, just as much as the rest of us. Most companies will also offer discounts for retaking and successfully completing driver’s education classes. They also give a 10% discount for buying a car that comes from the factory with antilock disc brakes.

A list of 15 of the cheapest sports cars to insure is below:

Sports Car Insurance

Sports Car Insurance

Sports Car Insurance

Sports Car Insurance