Get The Lowest Sports Car Insurance Rates
Get The Lowest Sports Car Insurance Rates
Why Do Sports Cars Require Special Insurance? The insurance industry, in general, is concerned with one thing: risk. When a company agrees to provide car insurance, they are collecting premiums from you in exchange for promising to reimburse you should various things happen to you or your car. When setting premiums, insurance companies look at the type of the car and the likelihood that it will have any future claims. They are designed for speed. This increases the chances that they could be in an accident. They are lightweight. Lighter cars are not as safe as their heavier counterparts, and tend to fare worse in a collision. They are more prone to theft. Because sports cars are often expensive, they are more likely to catch the eye of prospective thieves. They are expensive to repair. Replacement parts are more expensive than those for the average car. They are often driven by young men, which is a well-known high-risk insurance demographic. As a result of these details and characteristics, insurance premiums are more expensive than premiums for standard everyday vehicles.
There鈥檚 no getting around the fact that insurance for a sports car is going to be more than for a regular car. Only use the car occasionally. This will lessen the chances that you鈥檒l be in an accident, which reduces the insurer鈥檚 risk. Many insurance companies also offer discounts to people who insure multiple cars through them, so if you have a regular everyday vehicle as well, you may be able to get an additional discount by insuring both through the same company. Install an approved anti-theft device. Because theft is one of the top risks for sports cars, addressing it might get you a cut on your insurance. Add an older driver if you鈥檙e younger. Especially if you鈥檙e a young man, insurers will be leery if you are the sole driver of a sports car. Sharing the car with a more experienced driver may result in a discount on your premiums. However, note that you are not allowed to name that person as the main driver if they are not, as this is considered fraudulent.
Be a responsible driver. Owning a sports car and subsequently getting multiple speeding tickets or found to be at fault for a number of accident is a recipe for soaring insurance costs. The best thing to do is demonstrate over time to your insurance company that you are a good risk by being a safe driver who obeys the rules of the road. Consider a higher deductible. This option applies to car insurance, in general, but it will lower your premiums if you own a sports car. Who Offers Sports Car Insurance? Unlike antique car insurance, which is only available through some providers, most insurance companies offer sports car insurance. When you get a quote on our site and make contact with the insurance company, triple-check they offer sports car insurance - and shop around, until you get the best car insurance rate. Life Insurance - What is Life Insurance? What is Whole Life? What is Term Life? What is No Medical? What is Mortgage Life?
For example, you can find rearview cameras on some trim levels of the 2014 Toyota Corolla, but not on any 2014 Toyota Yaris. The thrifty 2014 Kia Rio has a rearview camera as standard equipment in the top-of-the-line SX trim level, but it's not available (even as an option) on the base LX trim level. The 2014 Chevrolet Sonic LTZ, the model's top trim level, has a rearview camera as standard equipment. But don't look for it in the base LS trim level. You won't find a camera in the diminutive 2014 Chevrolet Spark. Ditto for the budget-friendly 2014 Nissan Versa. 5. Adding a back-up camera is fairly easily. You don't need to buy a new car to get a back-up camera, though, or spend a lot to add one to an existing vehicle. 15 for a bottom-of-the-line stand-alone camera for vehicles that have existing in-dash displays. Installing a back-up camera on an existing car isn't difficult. Some require only a screwdriver, while others require a drill to mount the camera into a rear bumper cover.
Some aftermarket camera makers post videos on their Web sites to help DIYers with step-by-step set up instructions, and many auto parts retailers do installations. 6. Grime, weather and time of day can affect how a camera functions. Whether they're factory installed or aftermarket equipment, rearview cameras don't need much more maintenance than a periodic wipe-down to clear away accumulated grime from the camera lens. In heavy rain or snow, auto company representatives and aftermarket camera sellers suggest checking before you drive off to make sure the lens isn't obscured. Some automakers have come up with clever ways to keep rearview cameras clean. Select 2014 Nissan Altima, 2014 Nissan Rogue and 2014 Nissan Murano models have a built-in rearview camera cleaning system that sprays water from a small tank to clean the lens, and then squirts a puff of air to dry it. Even though back-up cameras can help prevent accidents, automakers and retailers warn drivers not to rely on them completely.
