Because sports cars are attractive, high ticket items, they have special needs that can be better addressed through sports car insurance than through regular car insurance. Most car insurance policies take into account that sports cars are attractive to thieves, and charge the policyholder accordingly. On the contrary, sports car insurance doesn’t penalize sports car owners for the desirability of their cars.
As any sports car driver can attest, police officers may perceive that sports car drivers are speeding just because the car is a sports car. Car insurance agents other than sports car insurance agents often have that same perception and raise their rates just because the driver is driving a sports car. Thus, sports car insurance may be cheaper than regular automobile insurance just because it takes these factors into account. Check around and see if sports car insurance is for you.