Is it cheaper to insure a Honda Civic sedan than a coupe?

For insurance companies, there are only two basic types of cars on the road. Even though the two types are subdivided into engine sizes and many other categories, the most important classification is usually whether the car has 2 doors or 4 doors. This classification denotes whether the car will be considered a sports car or a family car, and will determine the base price for your auto insurance policy.

To the insurance company, having 4 doors means the vehicle is safer and will be driven differently. A 2-door coupe is sportier, and is automatically considered more likely to be used improperly, such as speeding, jumping traffic lights, or other possible moving violations.

There are ways to offset the higher cost of insuring a coupe that are directly related to the car. Factory-installed safety features such as anti-lock brakes and electronic stability control will earn you discounts on the coverage, and so will earn discounts for alarm systems or other theft-deterrent devices. For the insurance company, any effort you take to drive a safer car is equivalent to reducing their risks in insuring you. Because the risks o down, the cost of your insurance is discounted as well. Similarly, parking in a private garage at night, rather than on the curb, will save you money on your coverage as well.

You can also get other discounts for yourself to lower the cost of insurance. Many occupations receive discounts, including military, emergency services and people who work for the government or in educational services. If you are married, that's a discount, and being over 25 is another. You can also get discounts for having a college degree, or driving fewer miles than the average driver. And if you take a voluntary driving improvement course, the insurance company will give you an impressive discount for several years, by law.

The sedan is cheaper to insure, and even more affordable if you add the same discounts to it that were suggested for a coupe. And if you are able to pay cash for the sedan, you can save even more money by dropping unnecessary coverage's such as GAP insurance, or possibly even collision coverage if your sedan is an older model that a few dents are not going to affect much.