Ruiner,

A lot of the time its because most non-standard companies won't insure vehicles over $50,000. Its not profitable for them, unless you have 12 tickets and pay $5k in premium. You have to go w/ your big companies, like Chubb, Travelers, State Farm, Safeco. They accept pretty much anything (I just accepted a policy w/ a $480,000 '65 Shelby sc) and the rate for those type of cars isn't anything overpriced. In insurance, you get what you pay for