Insuring a Coupe vs. a Sedan

Decide on which ride is best for you.

Don’t ever judge a book by its cover! Conventional wisdom might suggest that a bright and attractive coupe might be more to insure than your run-of-the-mill family sedan. However, it’s always important to remember that a lot more goes into calculating car insurance premiums. Aesthetics are just the tip of the iceberg; statistics play a heavy part, as well.

What’s the difference between a coupe and sedan?

This definition is actually fairly simple! A sedan is typically referring to a vehicle with four doors, while a coupe suggests just having two doors. The word coupe actually stems from the French word for “cut” referring to the traditional way that original coupes “cut out” the rear seating areas completely.

Recent coupe models now have the best of both worlds.

They have two rows of seating while also keeping the sleek two-door appearance that drivers love. The coupe is starting to change to appeal to a larger market by increasing backseat legroom. However, sedans almost always offer a roomier backseat than its counterpart.

How well does your car protect its riders?

A car’s safety features can help keep passengers safe while also helping you cash in on discounts on your premium. The idea that you’ll be less likely injured in a crash is both important to you and your insurance company. Theoretically, if your coupe tends to protect passengers more efficiently than a rival sedan, the coupe could pay less for coverage.

How expensive is it to repair or replace your vehicle?

Accidents are far more common than we’d like to admit. It’s the insurance provider’s responsibility to try to make things correct again. Because of that, insurers will consider how pricey repair and replacement costs may be after a major accident. Whether it’s a coupe or sedan is less important than the overall cost of replacement..

Now that you know what type of factors play into the cost of insurance, be sure that you secure the right policy for your needs. At Gant Insurance Agency, we’re dedicated to giving each driver the coverage they can count on. Visit us today to get started.