Yes, my policy is the same, I just don't think that FS is any more expensive to insure due to it being a performance vehicle.It's easy for them to tell from the VIN. I didn't tell my agent anything other than "Fusion," and when I got my new card it said "2017 Fusion Sport AWD." But I'm old and have a clean driving record, so auto insurance isn't a major budget item anyway.
I don't think this is viewed as a performance vehicle in insurers' eyes. It's no more expensive that other Fusions (even less so than some) and has the EcoBoost that Ford has been doing for a while now, so that's not a flag. Also, with the V6 - this is found in other family sedans as well. There is an Accord Sport, but that's not a performance vehicle.Yes, my policy is the same, I just don't think that FS is any more expensive to insure due to it being a performance vehicle.
I am not really too sure what the cutoff would be. I know an Evo, which has less power and torque, same number of doors, was about $25-30 more per month. I realize a part of that has to do with more expensive parts, but I think its mostly a stigma thing.I bet pricing starts to change if the car is a coupe. Possibly may even change if it has a V8? Or if the OEM classifies the vehicle as a performance car.