A car with exceptional handling, rocket-like speed, styling that can’t be beat, and a British heritage. No, we aren’t talking about the Aston Martin from the latest James Bond movie — we’re talking about the MINI Cooper. If you’ve driven one, you know what an exhilarating experience it can be. But is it a sports car? Read on to find out.
The definition of a sports car varies greatly from place to place, and company to company (this is true for every vehicle, so do your research and shop around when looking for insurance). A more traditional method of determining whether your car is or isn’t a sports car, is how many doors it has. Classically, 2-door vehicles were considered sports cars, which would make the MINI Convertible a sports car, but not the MINI Cooper 3 Door. But, nowadays insurance companies aren’t concerned with how many doors your vehicle has. Generally, as long as your vehicle isn’t a specialty vehicle, and costs less than $150,000, you will pay the same to insure it whether it has two doors or five.
Insurance companies do, however, pay special attention to performance modifications. Air intakes, suspension, exhaust upgrades, if it makes your car go faster — they want to know. Again, you’d have to talk to your insurance provider to determine whether or not something that comes with stock upgrades, like any of the John Cooper Works Edition MINIs, would fall under the category of upgraded. The John Cooper Works, or JCW MINIs, are a nod to MINI’s racing and performance heritage, and upgrade the stock 3 Cylinder 12 Valve Twin Power Turbo engine to a 4 Cylinder 16 Valve Twin Power Turbo engine, taking the already zippy 134 horses to a dynamic 228 horses. Any aftermarket performance upgrades done after purchase, whether through the MINI Edmonton parts department or not, would almost certainly play into an insurance company’s decision on classifying your car. It is important to disclose this information, as it may cost you a bit more on a monthly basis, but could save you substantially in the long run.
Most MINI vehicles would not be classified as a sports car — but this is a good thing for MINI drivers. Sure, you don’t get the distinction of driving a “sports car,” but you also don’t get the higher insurance premiums and “compensation” jokes that also come along with sports car ownership. And who can say your MINI doesn’t perform like a sports car? Fast and responsive are two of the hallmarks of MINI performance, and part of what makes the experience of driving a MINI so much fun. Add versatile to that list, as the MINI has won numerous, prestigious rally races over the years, from the Monte Carlo Rally, to most recently having won four straight Dakar rallies from 2012-2015 — making it a worthy performer for the conditions found in an Edmonton winter. If you want to find about about the pleasure of driving a MINI, sports car or not, come visit us at MINI Edmonton for a test drive today!