Reader’s Question:

What classifies a sports car insurance?

The insurance companies set the classification of a vehicle as a sports car, family car, and they vary for each insurance companies. These insurance providers have their own system that classify the type of automobile based on ISO or VIN.

The following items helps in determining the car’s classification as a sports car insurance 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

Basically an automobile will most likely be classified as a sports car insurance if it acts like a sports car. You may be able to check with your car insurance agent if the car that you are planning to insure is considered a sports car depending on their system guidelines. You may be able to get car insurance quotes from them as well to get an idea how much sports car insurance rate you will be paying since sports cars are too expensive to insure.