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Obtaining Auto Insurance For Hard to Insure Vehicles

You may have your eye on that expensive sports car when you are deciding which vehicle to purchase. The thoughts that are going through your head probably revolve around color choice, speed, warranty and price. The problem is that you may not be aware that you will pay more to purchase auto insurance for a vehicle that has been classified as difficult to insure.

Whether you lease or buy a new car, you will need to purchase auto insurance. The question is what type of insurance do you require and how much will it cost? If your car is categorized in a list of vehicles that are not easy to insure, you may pay much more than you expect for insurance. For example, vehicles that have been manufactured within the last 10 years or vehicles classified as “common usage” normally appear on the list.

Many insurance companies either refuse to insure these types of vehicles or they may place strict conditions on your auto insurance policy. Insurance companies have various reasons why they aren’t prepared to insure any vehicles that are on their hard to insure list. The main reason is that parts for newer vehicles are often very expensive to purchase and thefts occur much more often on these vehicles. Such vehicles include Bentley, Excalibur, Sterling and Rolls Royce.

The majority of insurance companies provide liability insurance instead of coverage for physical damages. Other insurance providers will only insure vehicles on the list if you pay a deductible for your auto insurance policy that is higher than a specified amount.

Other factors used by insurance companies to determine whether they will actually insure your vehicle include the following: broker or agent commission, vehicle’s age and insurability. However, many insurers will sell auto insurance to vehicles that belong to a particular group such as ones that are newer than 10 years old.

Before you purchase an auto insurance policy, compare the rates offered by various insurance providers. If you can’t find a company that is willing to sell you sufficient coverage for your vehicle, the Unites States offers a plan to help you find insurance. Although you can obtain coverage, you will have to pay much more for your insurance policy than you would for regular auto insurance coverage. In addition to paying a higher rate, the coverage concerning any physical damage may be determined by the market value of your vehicle.

You should consult the list to verify if your vehicle make or model has been classified as difficult-to-insure:

Acura: Legend GS, Legend L, Legend LS, NSX, NSX-T
Aston Martin: All models
Austin Healy: All models
AM General: Hummer
Audi: 5000 & certain Quattro models
Avanti: All models
Bentley: 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, Pre-1994 Impala SS (396/427), Lumina Z34, Monte Carlo SS, Pre-1994 Nova SS (350/396)
Chrysler: Conquest & Conquest TSI, Crossfire, Laser, TC
DeLorean: All models
Dodge: Challenger, Charger, Colt GTS Turbo, Conquest, certain Daytona models such as Turbo & 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, certain Mustang models, certain Probe models such as 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: Certain models such as XJ-S Models
Jeep (AMC Chrysler): Scrambler, Willie, Wrangler, CJ Series, DJ-5
Lamborghini: All models
Land Rover: All models
Lexus: SC300, SC400
Lincoln: Mark VII B, Mark VII LSC, Mark VIII
Lotus: All models
Maserati: All models
Maybach: All models
Mazda: Miata, certain MX Models, RX-7
Mercedes-Benz: Certain models such as Roadsters
Mercury: Certain Capri models, Cougar XR-7
Merkur: Scorpio
Mitsubishi: Certain 3000 Models, certain Eclipse Models, Ralliart Starion, EVO-RS
Nissan (Datsun): Roadster Models, Pulsar, NX2000, 200SX/240SX, Z Models, ZX Models, 300ZX
Oldsmobile: Achieva with HO Quad 4 Engine, 442 (400), Cutlass Calais Quad 4
Peugeot: Certain 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: Turbo models
Subaru: Brat, certain XT Models, SVX, WRT-STi
Suzuki: Samurai, Sidekick
Toyota: Celica GT, Celica Supra, Land Cruiser (2-Door Hardtop), MR2
Triumph: TR3, 4, 5, 6, 7, 8
Volkswagen: Corrado, Phaeton, GTI, Scirocco 16v
Volvo: 850 R, 850 Turbo
Yugo: All models


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