Shopping For Auto Insurance
When most people buy a new car, they look for attractive features and often think about safety. In buying or leasing new cars, consumers may not consider the vehicle’s insurability, but they definitely should. Will the car be easily insurable? How much will auto insurance cost?
The following table lists vehicles which a number of insurers have indicated their unwillingness to insure voluntarily, or their willingness to insure only under certain strict conditions or for certain types of operators. This difficult-to-insure list does not apply to all insurers for every vehicle shown, but generally encompasses data provided by many of the leading writers of private passenger auto insurance in New York State.
For each vehicle shown, there are a significant number of insurers that do not wish to write the particular vehicle, due to unfavorable loss experience, high cost or limited availability of replacement parts, or high theft records.
Only vehicles manufactured over the past ten years or so are listed. An exhaustive list of all cars ever manufactured would not be practical and is beyond the scope of this Guide. As such, the cars shown in this list are intended to be “common usage” vehicles, and readers should take into account that similar models may be produced under different names by the same manufacturer. Exotic, high-priced, and limited edition vehicles, such as Rolls Royce, Excalibur, Bentley or Sterling are not included in this list, due to the fact that very few insurers will underwrite such vehicles due to the high replacement and repair costs associated with these vehicles and the fact that there are relatively few of them on the road.
In addition, some insurers will provide liability coverage for the operators of these vehicles, but not physical damage coverage. Some insurers also indicate that they will write physical damage coverage on these vehicles, but only if the deductible purchased is over a certain amount (e.g., $1,000). Moreover, several insurers will only insure a vehicle that is within a certain age range, such as under ten years old. Insurers are prohibited however, from nonrenewing a liability policy solely on the basis of the age of the vehicle. Other insurers have no finite limitation on the age of vehicles they will consider insuring.
Check with your insurance company, agent or broker about vehicle insurability, and the cost of insurance, before buying or leasing a car. In the event you cannot find coverage for a vehicle in the voluntary market, coverage can be obtained through the Auto Plan. However, the cost will be higher and physical damage coverage through the Auto Plan is limited and is based on the actual cash value of the car up to $50,000.
MODEL OR CLASS
|Acura||Integra GS-R, Legend GS, Legend L, Legend LS, NSX, NSX-T, NSX De Tomaso|
|Aston Martin||All Models|
|Audi||5000, Some Quattro Models, R8, TT|
|Austin Healy||All Models|
|BMW||CS Series, "L" Series, "M" Series, 21, "Z" Series|
|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), Vans (extended & full size)|
|Chrysler||Conquest & Conquest TSI, Crossfire, Laser, TC|
|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|
|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), SVT/ Lightning|
|Geo (Chevrolet)||Metro XF1, Prizm GS1, Storm, Storm GS1|
|Honda||Civic Del Sol SI & VT, CRX & CRX Si, Prelude SI & VT, VTEC, S2000|
|Isuzu||Amigo, Impulse Models|
|Jaguar||Some models-esp. XJ-S Models|
|Jeep (AMC Chrysler)||Scrambler, Willie, Wrangler, CJ Series, DJ-5, Grand Cherokee SRT 8 (425 HP Hemi)|
|Landrover||All models See Range Rover|
|Lexus||SC300, SC400, SC430|
|Lincoln||Mark VII B, Mark VII LSC, Mark VIII|
|Mazda||Miata, Some MX Models, Some RX Models|
|Mercedes-Benz||Some models-esp. Roadsters|
|Mercury||Some Capri Models, Cougar XR-7,|
|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|
|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|
|Range Rover||County, Defender|
|Renault||Alliance, GTA, Fuego|
|Rolls Royce||All Models|
|Subaru||Brat, Some XT Models, SVX, WRT-STi|
|Toyota||Celica GT, Celica Supra, Landcruiser (2-Dr Hardtop), MR2|
|Volkswagen||Corrado, Phaeton, GTI, Scirocco 16v, R32, Golf R|
|Volvo||850 R, 850 Turbo|