Instead of creating specific insurance levels products, why don't you use the attributes to attach insurance levels to insurable products ?
1) Define an "insurance level" attribute.
2) Create a product template "Insurable", and attach the "insurance level" attribute to it.
3) For insurable products, select the "Insurable" template.
4) Manually or using the attribute combination builder, create all required insurance level for each vehicle
5) Enter prices for each insurance level.
This way, your customers will always have to select an insurance level to add a vehicle in the cart, and you'll be sure that the proper level is attached to a vehicule, from the cart to the PDF invoice.