Car Coats vs Top Coats
Car coats are more contemporary and casual, thanks to a spread collar that buttons all the way to the neck for additional warmth. You may want a car coat if:
You expect to wear it over sweaters or flannel shirts just as much as sportcoats or dress shirts.
You work in a more casual setting but would like to wear something more tailored.
You’re looking for a style upgrade from parkas and peacoats.
Top coats are more tailored and traditional due to their lapels, which better complement sport coats and suits underneath (you can double down on the dress appeal by having it made double-breasted). The top coat might be the choice for you if:
You expect to wear it over suits and sportcoats.
You work in a more dressed-up office or business environment.
You like the look of traditional, old-school menswear.