What Lexus is fast but is not considered a sports car?
Scott
I want a nice car that goes fast but is not classified as a sports car.
Answer
The only Lexus I would classify as sports cars would be an IS-F, the LFA and perhaps an SC, which they don't even make anymore.
A fast Lexus that I wouldn't consider a sports car would be an IS 350, although I would call it a "sport sedan".
That said, don't worry about it. It sounds like your question is based upon worry over insurance costs, and contrary to popular belief, there is no simple classification of "sports car" that makes a car more expensive to insure.
Insurance costs are based on many complex factors, to include coverage limits, where you live and where the car is kept, how much you drive, your age, marital status, sex and driving record, and finally, the characteristics of the car itself.
The car characteristics that matter most include its value, how often that model gets stolen, what kind of safety features it has that lessen the chance of a wreck or lessen the chance of injury should one occur, and what typical reapair costs might be.
The risk factors for how it might be driven (i. e. "is it a sports car") are more about you (marital status, age, sex, driving record), not the car itself.
Finally, you can always get an insurance quote on a car, regardless of whether or not you own it. If you're considering a couple of different cars, just call up your insurance company (or go online) to get quotes for each car you're considering. You'll then have the info you need to understand if the purchase makes sense for you.
You're being smart to consider all costs of ownership in advance, not simply just the purchase price. Car ownership costs are mostly about the long term (gas, insurance, maintenance), not simply the purchase price.
Good luck!
The only Lexus I would classify as sports cars would be an IS-F, the LFA and perhaps an SC, which they don't even make anymore.
A fast Lexus that I wouldn't consider a sports car would be an IS 350, although I would call it a "sport sedan".
That said, don't worry about it. It sounds like your question is based upon worry over insurance costs, and contrary to popular belief, there is no simple classification of "sports car" that makes a car more expensive to insure.
Insurance costs are based on many complex factors, to include coverage limits, where you live and where the car is kept, how much you drive, your age, marital status, sex and driving record, and finally, the characteristics of the car itself.
The car characteristics that matter most include its value, how often that model gets stolen, what kind of safety features it has that lessen the chance of a wreck or lessen the chance of injury should one occur, and what typical reapair costs might be.
The risk factors for how it might be driven (i. e. "is it a sports car") are more about you (marital status, age, sex, driving record), not the car itself.
Finally, you can always get an insurance quote on a car, regardless of whether or not you own it. If you're considering a couple of different cars, just call up your insurance company (or go online) to get quotes for each car you're considering. You'll then have the info you need to understand if the purchase makes sense for you.
You're being smart to consider all costs of ownership in advance, not simply just the purchase price. Car ownership costs are mostly about the long term (gas, insurance, maintenance), not simply the purchase price.
Good luck!
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.
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