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Insurance for sports cars costs a lot more than for other types of cars, so you want to get the best price you can. Here's how to get cheap sports car insurance. Why do sports cars cost more to insure? Sports cars cost more to insure because ... * They're generally more expensive than regular cars and therefore cost more to repair or replace. * Because they're more expensive they're more likely to be stolen. * Sports car owners rack up more mileage than average drivers and are therefore more likely to be involved in an accident. How much coverage should I get? Most states require you to have personal liability insurance and property liability insurance. Personal liability insurance pays for hospital bills and lost wages for the people you hurt in an accident. Property liability insurance pays for the damage you cause to their property. Liability insurance is relatively cheap, but it does not pay for your medical bills, lost wages, or repairs to your car. If you want to fully protect yourself and your car you need the following coverages: Collision and comprehensive coverage - Collision coverage pays to repair or replace your car when it's been damaged or destroyed in an accident, or when you hit an object such as a tree or an animal. Comprehensive coverage pays to repair or replace your car when it's been stolen or it's been damaged by fire, vandalism, or acts of nature You can significantly lower your collision and comprehensive coverage by raising your deductible - the amount of money you pay toward a claim before your insurer will pay. Personal injury protection - This pays for your and your passengers medical bills and lost wages when you're involved in an accident, no matter who was at fault. It also covers you and your family members if you're hit by a car while walking. You probably don't need PIP coverage if you have health insurance. Uninsured motorist coverage - This coverage pays for your medical bills and repairs to your car if you're hit by an uninsured, underinsured, or hit-and-run driver. You should carry at least the minimum amount of underinsured motorist coverage in case you're involved in an accident and can't locate the driver who ran into you, or he or she doesn't have insurance. Where can I get cheap sports car insurance? In order to get the best rate you need to do a little research and check out prices from different companies. The quickest way to do that is at an insurance comparison website. Visit http://www.LowerRateQuotes.com or click on the following link to get cheap sports car insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get cheap sports car insurance.
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