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Driving a sports car is a dream for many. The jealous gaze of others as you speed down the street, the wind in your hair as you zoom down the highway with the speedometer needle flirting with 100, the feeling of confidence and youthfulness that comes with being in control of a high-performance automobile. But alas, as any insurance broker will tell you, driving a sportscar is not all fun and games. There are many additional expenses that come with driving such a fine machine.
Primary Expenses of Driving a Sports Car
You may have to put premium gasoline in your sports car, which can add up. And of course you’ll want regular maintenance and tune-ups, which can cost money too, not to mention any washing, waxing, or paint touch-ups you’ll want to keep that car shining. You also may find yourself dealing with a few more speeding tickets than you’re used to. But of course, what we’re really talking about when it comes to the additional expense of a sports car is insurance.
Sports Cars and Insurance
It’s going to cost you more to insure a sports car. That’s just the fact, plain and simple. And you don’t need to be an insurance broker to figure out why. When you have a sports car, you drive it more. You didn’t shell out six figures on a car so it could sit in the driveway. The more you drive, the more likely you are to have an accident. Furthermore, when you have a sports car, you drive faster. That’s the whole point of a sports car. And, insurance companies will tell you, the faster you drive, the more likely you are to get into an accident. The bottom line is it’s not going to be cheap. And it’s not like you can just buy liability coverage and be done with it. You’re going to need collision and comprehensive too. You can’t risk an automobile of that value being crashed or stolen and not having the money to replace it.
Finding the Right Sports Car Insurance
So what’s a sports car enthusiast to do? It starts with finding the right insurance broker. Look for an insurance broker who has dealt with sports cars before, who knows how to get you the best rates, even if they’re going to be higher than for your standard automobile. Talk to that insurance broker about extras like anti-theft devices and airbags, which can bring with them an automatic drop in premium. Work out a deductible that you’re willing to live with that might be able to drop the premium even more. A good insurance broker wants you to walk out of his or her office happy, having confidence that your vehicle is protected without worrying about how you’re going to make next month’s payment. There are solutions, so even if the first policy you see is out of your range, don’t give up. Shop around, consider all the options and work with an insurance broker you trust. Eventually you’ll find the right sports car insurance policy for you.
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