"Do insurance companies consider a 2019 Volkswagen Golf GTI a sports car?"

"I want to get one and I heard sports cars cost more to insure. What kind of car is it considered? Will I pay more?"

Answer provided by
Emily Maracle
Answered on Jul 27, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“A Volkswagen Golf GTI is considered a sports car. To car insurance companies, this is considered a higher risk vehicle.
As most sports cars are designed for speed, insurance carriers associate them with more claims. To protect themselves, insurance carriers charge a higher rate.
While the type of vehicle you drive is one factor that car insurance carriers look at, there are many other factors that make up a rate. Your age, driving record, credit history, and where you live can also influence your rates.
If you’re an older driver who has a clean driving record, the cost of your insurance on a sports car will likely be less than a younger driver.
If you’d like to see your rate, you can always request car insurance quotes. You’ll be able to see rates carriers may charge to insure the vehicle.”

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