Is a 2000 Grand Prix gt sedan considered a sports car to insurance agencies?
Bryan
I want to buy this Grand Prix gt sedan that's for sale but I can't afford a sports car car payment it's my first car will insurance consider it a "sports car"
Answer
With most insurance companies, there is actually no such thing as a 'sports car' category. In 15 years as a broker, I've never seen or heard of one company who has a sports car surcharge of any kind. That's one of those myths that everyone knows but nobody can actually say how they know it.
It's true that some cars really are pure sports cars, and they can and do cost more to insure. But think about it for a minute... when looking at sticker prices, is a Camaro or Mustang listed at the same price as a (same year) Corolla or Dakota? No, because sports cars are sexy and sexy is expensive. Sports machines have more powerful motors, upgraded interiors, harder suspensions, sleeker designs, and all that stuff.
More expensive car means more expensive insurance premiums, because a vehicle's cash value is the big factor in how vehicles are rated by the companies. They look at other stuff too, but overall value is the big one for the vehicle.
If you got a quote on a Grand Prix GT and then a Grand Prix not-GT from the same year, they'd be almost identical. And no, red paint doesn't do anything to the premiums either.
With most insurance companies, there is actually no such thing as a 'sports car' category. In 15 years as a broker, I've never seen or heard of one company who has a sports car surcharge of any kind. That's one of those myths that everyone knows but nobody can actually say how they know it.
It's true that some cars really are pure sports cars, and they can and do cost more to insure. But think about it for a minute... when looking at sticker prices, is a Camaro or Mustang listed at the same price as a (same year) Corolla or Dakota? No, because sports cars are sexy and sexy is expensive. Sports machines have more powerful motors, upgraded interiors, harder suspensions, sleeker designs, and all that stuff.
More expensive car means more expensive insurance premiums, because a vehicle's cash value is the big factor in how vehicles are rated by the companies. They look at other stuff too, but overall value is the big one for the vehicle.
If you got a quote on a Grand Prix GT and then a Grand Prix not-GT from the same year, they'd be almost identical. And no, red paint doesn't do anything to the premiums either.
What are the best used manual transmission cars?
DetailedDo
I want to get a good used car for under $5000. Which manual transmissions hold their value best/ have best mileage/ shift well? This will be my second car. I had a Jeep Cherokee 5 speed but it didn't last very long.. So I want something better. I do not like weird looking sports cars hah, I'm not a dude. But other than that, I will buy pretty much anything (: Thanks for your suggestions!
Answer
I would say Mitsubishi is probably one of the best choices. After almost 20 years, the transmission is still in very strong shape. I have neglected it. I don't treat it very well sometimes. It's a 1992 and has close to 200K miles and still runs very strong.
I would say Mitsubishi is probably one of the best choices. After almost 20 years, the transmission is still in very strong shape. I have neglected it. I don't treat it very well sometimes. It's a 1992 and has close to 200K miles and still runs very strong.
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