Why coupe more expensive

Most people would think car insurance for a new Lamborghini exceeds that of a Ford Focus manufactured in the same year. And that's likely true. But with two similar profile of vehicles, pitting a coupe vs a sedan is more difficult.

It's easy to assume that a coupe is more expensive to insure, but that is not always the case. Car insurance and broker app Jerry has outlined everything you need to know about which type of vehicle might set you back a few more dollars to insure. It depends on where you live, and your driver profile, but coupe car insurance is usually relatively expensive. A coupe typically refers to a car with two-doors and just the front seat. In fact, the word "coupe" means "cut out," and the part that is cut out is the back seat.

This type of car is best suited for a single individual or couple without kids. That is why a coupe generally costs more to insure. Those that drive this type of vehicle are usually younger, and youth is an increased risk factor for a car insurance provider. After all, younger drivers tend to get into more accidents and, consequently, file more claims than older, more seasoned drivers. There are, however, exceptions to this general rule.

The make and model of a car plays a large role in calculating insurance premiums, boiling down to how much it would cost to replace the vehicle if it were totaled. It's also down to the build of the car.

The presence of safety features helps to lower insurance premiums for coupes. Finally, some coupes now have two rows of seating, and these vehicles play by different insurance rules. Key Takeaway: Coupes—typically two-door cars with no backseats—attract younger drivers, so they can be costlier to insure. So in this case the Coupe is more expensive than the sedan, and the coupe-styled sedan is more expensive than the coupe.

Here's a thought Just a bigger coupe like the 7 is a bigger sedan. The pricing was probably just one more way for BMW to say "this is a coupe, not a sedan" in a quantitative measurement. First Lieutenant. I never understood why the sedan is cheaper than the couple in 3 series, it's ridiculous. The pricing for the 6 series is correct though cuz 4 doors cost more to make. Second Lieutenant. Never owned a 4dr Coupes forever!!

All times are GMT The time now is PM. Privacy Policy - Terms of Service. Mark Forums Read. User Name. Thread Tools. Appreciate 0 Tweet. Find More Posts by leejae Find More Posts by m Quote: Originally Posted by leejae76 Hmmm Quote: Originally Posted by m Companies always consider the age of your vehicle when determining your insurance rate.

If your coupe is brand new, it will be more expensive to replace if you're involved in an accident, whereas an older coupe is likely to be less expensive to fix or replace if damages occur from an accident. An older coupe is also likely to be less expensive to insure than a brand-new sedan.

Whether you drive a coupe or a sedan, your driving record is a big factor that comes into play when your insurance company sets your rate.

If you have a clean driving record, you're considered a safe driver by your insurance company. Other characteristics your insurance provider will want to know about include:. While owning a coupe typically translates to higher insurance rates, these vehicles have their advantages. For example, a two-door coupe is sportier than a sedan. Recently, many coupes have become larger to accommodate a roomier back seat.

This makes them appeal to a wider range of drivers. Driving a coupe also doesn't necessarily mean you'll pay more for insurance.

Purchasing an older coupe could result in lower insurance premiums. For example, says Jerry Insurance Agency, a Mercedes-Benz with four doors will be more expensive to insure than a Chevrolet Cavalier with two doors.

Both of these vehicles can fall under the coupe car class. Before buying a coupe , consider the disadvantages. Insurance companies usually consider these types of vehicles to be sports cars, making them riskier to insure. In fact, some insurance companies won't even insure certain models.

As coupes age, their values often decrease faster than the value of equivalent sedans. There is more demand for used sedans, which still appeal to the mass market. Coupes, on the other hand, are still mainly bought by car enthusiasts. So the lower the demand, the lower the price.

Do Coupes Have Back Seats? Should I Buy a Coupe or a Sedan? We do not offer investment advice, merely our own opinions on classic cars. Take extreme care before buying any car, and take professional financial advice where necessary. Why is a Coupe More Expensive? Motoring Advice. How Much Does a Coupe Cost? Why are Coupes so Expensive? Why do Coupes Cost More to Insure?