The Difference Between Car Insurance for a Coupe vs. a Sedan

Stuck on which car to pick? Auto insurance for a coupe vs. a sedan can be different.

Are you in the market for a new car? You may have opted for a roomy SUV, a nippy island car, or a practical coupe or sedan. Gas mileage and eco-friendliness are important factors for choosing a car, but the final decision comes down to personal preference. The average car shopper has specific car features in mind when beginning their search. However, it’s important to keep in mind car insurance for a coupe and sedan, as these two figures can be very different.

Contrary to popular belief, sporty cars are not automatically more expensive to insure. Many factors go into determining the cost of the policy, many of which are equal among coupes and sedans. Only one of these factors is consistently different between a coupe and sedan: safety.

Sedans are typically family cars, transporting everyone from the newborn to the aging senior. Safety features and crash test results are of the utmost importance to manufacturers – and families! While coupes go through rigorous safety testing too, many makes and models simply lack the safety options that sedans have.

The body size and design of some coupe cars make it difficult for auto manufacturers to include curtain airbags and backseat airbags. As a result, the driver and passengers are not as safe. Insurance companies take note of this when determining the safety of a vehicle. Quite simply, the safer the car is, the more money you’ll save on auto insurance premiums. In this case, a coupe may be more expensive to insure than a sedan, just because of the safety differences.

Part of staying safe on the roads is to secure reliable protection that you can count on. For the auto insurance to protect you while you’re cruising, visit Humble & Davenport Insurance, serving Renton and surrounding metropolitan areas of Washington.

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