Although the 2016 Mazda 6 GT or Grand Touring car is often referred to as a mid-size sedan or family sedan, it's also referred to as a sports sedan because of features that are like those found in sports cars. It even has a transmission Sport Mode designed to create a handling situation similar to a sports car.
Sports cars cost a lot to repair. As a result, they cost more to insure because they're often damaged during races. Drivers of sports cars who don't race are still typically more prone to driving at higher-than-legal speeds or in other reckless ways on public roads. Sports cars also carry a high risk for total or parts-only car theft and other forms of vandalism, including cars that aren't considered luxury but offer some luxury features.
Every insurance company uses its own rules when it comes to gauging whether a car qualifies as a sports car or not. The old classification of a sports car based on factors like a specific number of seats or doors, for example, no longer impacts the definition since so many manufacturers have started to offer sports options like these with midsize family sedans. As a result, the only way you can find out whether your car is considered a sports car is by calling insurance companies and asking for quotes.
When evaluating a sports-style car like the 2016 Mazda 6 GT, an insurer again takes into account how you plan to use it. If you don't plan to race it, the agent looks at your driving history to determine if you have had any accidents in the past that involved high speeds or recklessness. Lastly, they at least try to determine if the car has been designed specifically for high speeds and maneuvers based on their company's sports car definition. They might look at the manufacturer, model name, engine type, size and number of cylinders, horsepower, speed capabilities, body type, size and style, full vehicle weight, wheel base and even transmission and gear shift options.