Difficult-to-Insure Vehicles

Many questions occur to us, when we think about buying and leasing new cars. These questions may relate to different aspects of insurance of the vehicles, including type of insurance and also cost of insurance. There are many vehicles that are categorized under a particular list that indicates that these vehicles are not easily insured. This list includes those vehicles that are manufactured in the last ten years, and most of the vehicles in the list are termed as "common usage " vehicles. Many insurance companies are not willing to insure these vehicles and even if they are willing to insure these vehicles, they insure them under strict conditions.

There are many reasons why the insurance companies are not willing to insure the vehicles. The most important reason is the extremely high costs of the parts of the vehicles, or conditions of high thefts of these vehicles. Some of the vehicles that can be categorized under this are, Rolls Royce, Bentley or Sterling and Excalibur. Many Insurance providers will be providing liability Insurance rather than physical damage coverage. There are other insurers, who insure the vehicles but in conditions when the deductible purchased exceeds a certain amount. Insurance companies also consider certain other factors when they decide to make an insurance of a vehicle. These factors include aspects such as age of the vehicle, insurability of the vehicle and also the commission of the agent or the broker. There are many insurers, who provide insurance to vehicles of a certain group, such as vehicles that are ten years old or less.

However, before we make any purchase of any kind of insurance it is necessary that, that we check the different costs and other aspects involved. In case there is no proper coverage of the vehicle, coverage can be obtained through the Auto plan., but with such a plan the cost involved will be much higher. In many cases, it may be observed that the cost may be higher and there maybe a coverage of physical damage coverage, that is based on the actual cash value of the vehicle.

DIFFICULT-TO-INSURE AUTOMOBILES

MANUFACTURER    MODEL OR CLASS
Acura    Legend GS, Legend L, Legend LS, NSX, NSX-T
Aston Martin    All Models
Austin Healy    All Models
AM General    Hummer
Audi    5000, Some Quattro Models
Avanti    All Models
Bently    All Models
Bricklin    All Models
BMW    CS Series, "L" Series, "M" Series, 21, Z1 Roadster
Buick    Reatta, Regal GMX, Regal Grand National, Regal GS,
Cadillac    Allante, Deville Convertible, Eldorado Models, Fleetwood Limousine
Chevrolet    Berlinetta, Camaro IROC-Z, Camaro RS, Camaro Z-28, Cavalier Z24, Caprice LS, Corvette, El Camino, Impala SS (396/427)( pre-1994), Lumina Z34, Monte Carlo SS, Nova SS (350/396)(pre-1994)
Chrysler    Conquest & Conquest TSI, Crossfire, Laser, TC
DeLorean    All Models
Dodge    Challenger, Charger, Colt GTS Turbo, Conquest, Some Daytona Models-esp. Turbos & IROC-Z, Shelby Models, Spirit R/T, Sprinter Vans, Stealth, Viper
Eagle    Vision TSI, Talon, Talon TSI
Ferrari    All Models
Fiat    Bertone, Pininfarina, Spider Models, X1/9 Models
Ford    EXP Lightning, Cobra GT LX 5.0, Some Mustang Models, Some Probe models-esp. GT, Shelby Models, Sierra Models, Taurus SHO, Thunderbird Sport Models, SC, Torino GT (390)
Geo (Chevrolet)    Metro XF1, Prizm GS1, Storm, Storm GS1
GMC    Cyclone, Typhoon
Honda    Civic Del Sol SI & VT, CRX & CRX Si, Prelude SI & VT, VTEC
Isuzu    Amigo, Impulse Models
Jaguar    Some models-esp. XJ-S Models
Jeep (AMC Chrysler)    Scrambler, Willie, Wrangler, CJ Series, DJ-5
Lamborghini    All Models
Landrover    All models –See Range Rover
Lexus    SC300, SC400
Lincoln    Mark VII B, Mark VII LSC, Mark VIII
Lotus    All Models
Maserati    All Models
Maybach    All Models
Mazda    Miata, Some MX Models, RX-7
Mercedes-Benz    Some models-esp. Roadsters
Mercury    Some Capri Models, Cougar XR-7,
Merkur    Scorpio
Mitsubishi    Some 3000 Models, Some Eclipse Models, Starion Ralliart, EVO-RS
Nissan (Datsun)    Roadster Models, Pulsar, NX2000, 200SX/240SX, Z Models, ZX Models, 300ZX
Oldsmobile    Achieva w/HO Quad 4 Engine, 442(400), Cutlass Calais Quad 4
Peugeot    Some models
Plymouth    Conquest, Laser, Prowler
Pontiac    Fiero Models, Firebird Models, Trans-Am, Grand Am GT, LE, SE, High Output Models, Grand Prix GT/G TP, SE, GTO, Sunbird GT, Sunbird SE
Porsche    All models
Range Rover    County, Defender
Renault    Alliance, GTA, Fuego
Rolls Royce    All Models
SAAB    Turbos
Subaru    Brat, Some XT Models, SVX, WRT-STi
Suzuki    Samurai, Sidekick
Toyota    Celica GT, Celica Supra, Landcruiser (2Dr Hardtop), MR2
Triump    TR3,4,5,6,7 8
Volkswagen    Corrado, Phaeton, GTI, Scirocco 16v,
Volvo    850 R, 850 Turbo
Yugo    All models