Mgsportcars – MG Sport Cars

Have you ever wondered why sports cars cost more to insure than other types of car even when the purchase price of the sports car is less expensive? If so, the following are the main reasons why this is the case.

Car Insurance Group Categories

While many of the factors that determine the make-up of car insurance quotes are not known, what is known is that insurance companies group certain types of cars into categories. For this purposes, insurance companies have groups ranging from 1 through to 20. Group 1 is the least expensive type of car to insure. Group 20 is the most expensive type of car to insure. So, if you buy a Fiat Panda, youll be classed a Group 1 car driver. Buy a sports car, any sports car, and you are looking at being classed a Group 15 and above driver. Buy a performance sports car, such as a Porsche 911, and youll definitely be Group 20 driver!

Theft

Over 2 million car crimes happen in the UK each and every year. Aside from popular model cars, such a Ford, the biggest car crime category is sports cars! Have a soft-top convertible sports car, and the chances of it being stolen are red hot! So, even if you live out in the countryside with no one else around for miles, you will still be seen as driving an extremely high risk car when it comes to car theft. With increased risk, comes an increased premium!

Accidents

Insurance companies are not charities theyre in the business to make money. As such, they keep vast amounts of data and part of that data tells them that if you drive a sports car there is an increased risk youll be in an accident and that the accident will be more serious (and costly) than if you were driving a regular car. As such, the premium charge is going to be higher.

Under 30?

Unless you have just won the Lottery, if you are under 30 there are no appealing factors when it comes to insuring a sports car. Not only do the insurance company see the car you drive as being a high risk car to insure, but you as the driver are far more risky to insure as well. Consequently, car insurance premiums for those 30 years of age or under, driving sports cars, is probably the highest of all types of car insurance available in the UK today.

A simple definition of a sports car is a small low car with a high-powered engine, and generally seats two people. This is more or less a textbook definition but gives us an idea of what the public perceives to be a sports car.

The Houghton Mifflin dictionary defines a sports car as: An automobile equipped for racing, especially an aerodynamically shaped one-passenger or two-passenger vehicle having a low center of gravity and steering and suspension designed for precise control at high speeds. This dictionary definition does not seem to capture the general perception of what the public sees as a sports car.

The Houghton Mifflin definition of the two seat rule seems out-of-date. Many sports cars today offer small back seats (sometimes referred to as 2+2 seating) and there is a current movement underway to increase the seating room in models long considered sports cars by most automotive experts.

Insurance companies use their own formula in classifying automobiles and often the presence of two doors automatically makes any car a sports car in their eyes. This perspective, of course, is as overly simplistic as the standard dictionary approach to defining a sports car. One can certainly think of any number of two door vehicles that fall far short of being an actual sports car. Economy cars and even larger two-door vehicles that are not built with power and performance in mind should not qualify as true sports cars.

Some car buffs will refer to high-performance muscle cars and other larger vehicles as sports cars. Others, however, draw a distinction between these vehicles and true sports cars. These individuals will claim that a car can be a sporting car or simply sporty but still fall short of being a true sports car. Thus, regular cars may be outfitted with a sports package andor accessories to make the car sportier, but may not fit a strict definition of a sports car.

Not all automotive enthusiasts, however, embrace this restrictive view of sports cars. In many circles, a sports car is any car offering greater performance or power than more standard offerings. This school of thought will consider muscle cars and other larger vehicles designed with performance in mind as sports cars.

Others will maintain that the distinction between a sports car and any other type of car lies in how the car’s suspension and handling are addressed. Technical debates rage over whether various suspension packages qualify as belonging to true sports cars.

Some will argue that a sports car can be defined by its intentions. If the car is designed for performance more so than for utility, they say, it is a sports car. This intent-based definition, however, provides little guidance in determining whether a car is a sports car or not. Particularly in the modern era, the notion of designing a car of any sort without significant consideration of its feasibility and utility seems unlikely. Any commercially viable vehicle, regardless of its performance, must retain significant utility.

Road and Track, a leading automotive publication, summarizes the sports card definition debate with a simple observation: Ask five people the exact definition of a sports car, and you’ll likely get five different answers.

There is no clear-cut definition of what really is a sports car. The restrictive definitions of the past seem ill suited to categorize today’s’ diverse automotive offerings and common usage of the term runs contrary to most long-held definitions.

There is, however, a common thought that seems to run through almost all of the outlooks on the meaning of sports car. If a car is designed with high performance or race-like capabilities in mind, it can probably be safely termed a sports car. Some purists may balk at such a liberal perspective, but alternative definitions fall far short of accurately distinguishing sports cars form regular production models.