Insuring Performance Cars

True or false: fast cars must be insured by specialty auto insurers? If you answered “true,” you haven’t checked out the offers presented by mainstream insurance companies recently. Unless your fast car is incredibly rare, or highly modified, almost any auto insurer should be able to give you reliable affordable coverage.

What do you need to know in order to find the best car insurance for your performance vehicle? Here are a few tips to aid you:

  • Big engines cost more to insure: Vehicles with large, powerful engines are considered to be a greater risk for reckless driving and traffic accidents, so the initial quote you receive may seem high. Don’t panic. You can offset much of the higher cost with all the same discounts you’d get for insuring a Toyota Camry. What are these discounts? They include things like home/auto bundles, multi-car policies, safe driving discounts, and even discounts for having air bags in your car.
  • Document modifications: Performance cars tend to sport a greater number of after-market modifications, or mods, than more sedate vehicles. If your fast car has any additional parts – from spoilers to engine tweaks that give you greater speed – make sure you provide your insurance company with details and receipts as soon as you add them, or bring that information with you when applying for a new policy. While it’s true that extensive modifications might require you to purchase an endorsement for extra coverage, the alternative is having your policy cancelled or denied.
  • If you have to go to a specialty product: If your car really does require you to seek specialty insurance, consider checking with mainstream companies that have specialty lines. Farmers Insurance offers a collectible car line, and may even allow you to bundle your collectible performance car on the same policy with the VW Beetle you drive to and from work every day, or the minivan driven by your spouse. Even without bundling, that specialty insurance may be less expensive because a mainstream company is backing it.

The bottom line is this: Insuring a fast car doesn’t have to be horrifically difficult or extremely expensive. Spend some time reviewing the information at comprehensive insurance website like, get a few quotes, and find the best product for your needs and budget.

2011 Nissan Juke

Exciting design standards and bold styling accent the all-new 2011 Nissan Juke. It’s classified by Nissan as a Sport Cross, a small-sized crossover that combines high performance levels, excellent fuel economy, surprising interior amenities and loads of practicality to boot. It delivers 27/32 MPG city/highway as estimated by the EPA. The Juke is powered by a intercooled, turbocharged 1.6L inline four-cylinder engine that generates a ballsy 188 horses. Suggested pricing ranges from $18,081 up to $23,268 and estimated monthly payments will run you between $358 and $463. Nissan’s basic warranty will stay in effect for 36 months are 36,000 miles, whichever comes first.

Innovative concept-car-like design and styling standards make the Nissan Juke 2011 a surefire worldwide hit. It’s available in three separate trim levels: SL, SV and the base level S. The Juke’s a small unit, measuring only 162.4 inches in length, 69.5 inches in width and 61.8 inches in height. Its wheelbase measures 99.6 inches and the Juke weighs in at just 2828 pounds. Standard seating is reported for five occupants.

The DOHC I4 engine of the Nissan Juke features an intercooled turbocharger and works together with your choice of the advanced continuously variable transmission (CVT) or a 6-speed manual gearbox (front wheel drive trims only). Together they generate 177 lb-ft of torque. The Toyota RAV4 ($22,025 base price), Honda Element ($20,825 base price) and the Chevrolet HHR Panel ($19,030 base price) are all very hard pressed to satisfy consumers to the level that this new Juke does. And although no information has yet been released from the NHTSA, standard safety features impressively include:

  • Six separate airbags;
  • Active frontal head restraints;
  • Electronic vehicle dynamic control;
  • Electronic traction control;
  • Bluetooth hands-free connectivity;
  • Tire pressure monitoring;
  • And more…

You’ll also be surprised with the list of luxurious amenities for the cabin space including available voice activated navigation, genuine leather interior, powered moonroof, Rockford-Fosgate audio system and a highly imaginative Integrated Control (I-CON) system that shows off its triple-mode automatic air conditioning. On the downside, Nissan doesn’t even yet bother to list interior spaciousness dimensions. You will however find a standard 8.9 cubic feet of luggage space (expandable up to 29.3 cubic feet if you let the back seats down).

Overall, you can count on the 2011 Nissan Juke to make a big dent in the market for trendsetting, efficient and capable performers. It’s a refreshing addition to the current market and is already helping to shape the ever-evolving present and future of the automotive industry.

2010 BMW M5

At a MSRP price of $85,700, the 2010 BMW M5 is a high performance luxury sedan. This extravagant sedan contains a 5-liter V10 that is based on BMW’s F1 engine. It is a powerful car that delivers 500 horsepower and 383 pound-feet of torque. It is can accelerate from 0 to 60 mph in 4.5 seconds and has a top speed of 155 mph. The fuel efficiency of the M5 is 17 mph on the highway and 11 mpg in city.

The tremendous power is delivered to the rear wheels through the 7-speed sequential manual gear box that uses Formula 1 technology so that is able to shift much faster. The BMW M Drive System allows the driver to choose their preferred level of damping that includes normal, comfort, and sport by making use of electronic steering assistance that is tied to damper setting. As well, this system permits the selection of 3 levels of engine power and throttle response, several shift-program settings on the SMG gearbox, and variable dynamic stability control settings.

With a stylish and lustrous look, the exterior of the 2010 BMW M5 includes a unique front spoiler and air intake, side gills, unique rocker panels, M Mobility System, 2-way power glass moonroof with remote, expanded ‘one-touch’ operation, anti-trapping feature, and a sliding interior sunshade. As well, it includes wraparound body-color bumpers with hydraulic energy absorbers and front-compressible elements, M rear spoiler, Xenon adaptive headlights, adaptive brake lights, BMW M front spoiler, and a rear apron/air diffuser.

Interior feature options include: heated M 18-way power-adjustable sport front seats, extended leather upholstery, and brushed aluminum accents. The 2010 BMW M5 is also equipped with a unique gauge cluster with white-illuminated gauges, oil temperature gauge, and variable warning segment on tachometer, power tilt and telescopic steering wheel with automatic tilt-up. It also features Premium Sound audio system, M multi-function leather-wrapped sport steering wheel with SMG paddles, M Drive function and cruise control, Digital Motor Electronics (DME) with on-board diagnostics, on-board computer, check control vehicle monitoring system, and Automatic Climate Control with separate left/right temperature and air distribution controls with automatic air recirculation, and voice command system. Safety features include BMW’s largest brakes with drilled, ventilated brake rotors, 2-stage Smart Airbags, and standard front-seat side-impact air bags with front and rear head protection system, and optional rear-seat side-impact air bags, and the BMW Assist in-car telematics system for four years.

With the release of the 2010 BMW M5, BMW is living up to its reputation as a manufacturer of stylish cars with incredible performance.