If vehicles are going to be so disposable as to be gone as soon as they're destroyed or stuck, they should probably cost a forgetload less. Like $1000-2000. Expecting someone to pay $20000 for something that can be destroyed permanently with no recovery is stupid, especially with how finicky Blockland's vehicles can be. Pay $20 grand, drive off 2 plate high gutter, get wheels stuck in road.
That or you can buy the vehicle for the full price then spawn one at any time for a nominal fee of $1000 or so. Also bicycle/skateboard should be items you can use to mount to the vehicle, for awesome portability.