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Performance Car Insurance - Is Performance Car Insurance Expensive? Q: I am considering purchasing a sports car, but a friend told me I may have to buy performance car insurance. This just sounds expensive. Can you explain? A: Performance car insurance is often required for a certain type of vehicle. Unfortunately for your assumptions are correct that it will be more expensive than other forms of car insurance. The reasons that performance insurance is more expensive are that: 1. The car is worth more which makes it more expensive to insure 2. The cars are built for speed, which increases the likelihood of an accident. Even if you have a perfect driving record your insurance company will assign you to a higher risk category for owning certain types of vehicles. There are a couple of ways to lower the annual bill however: 1. If you have a performance vehicle find the club that goes with it. Many enthusiasts will form clubs around their hobbies. Where there is a club there are often discounts to be negotiate. 2. Try to resist the temptation to use the car as a daily driver. Lower annual miles will decrease your bill. A couple of other things to consider before purchasing a high performance vehicle are: 1. The insurance company may require that you have a locked garage to store the car. 2. You may also be required to add security devices to the vehicle. We hope this guide to performance car insurance has answered your questions, but if you have any more please feel free to submit them. We're here to help.