I dunno if just cars will actually insure something like a charade. I don't see why not (just buy a big wing and she'll be right) I have third party with them and with all my mods its $514 and I have wheels, engine conversion (supercharged 4ag), steering wheel, lsd, stereo, exhaust. I am also 19 with a perfect driving record.
Most insurance companies only allow 2 or 3 modifications and then they won't insure you. So if you have wheels, exhaust and a gear knob. They wont insure you if you get anything else done.