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