4x4 vs 4x2: Insurance?
Doug Jahn
Hi,
I am in the market of purchasing a SUV and have enjoyed the
conversations comparing the Pathfinder, 4Runner and Rodeo. I do however have
a few questions? What difference in insurance premium can I expect if I were
to purchase a 4x2 over a 4x4. Intuition tells me that the 4x4 will cost more
to insure (4x4 = off road = increase in likelyhood of vehicle damage.) Is this
true? This leads to my second question. What are the safety records of
these vehicles? Of all the SUV's in the $30K or less market, which ones
perform the best in collision tests?
My final question is on the maintenance costs for these vehicles.
Specifically, how much can I expect to spend on a new set of tires for these
types of vehicles. Let's assume I stick with tires similar to those put on
at the factory? Also, with conservative pavement driving, how many miles
can I expect to get out of a new set of rubber?
Many thanks in advance,
Doug
"Hey Duke, let's go do those crimes."
"Yea, uh, let's get some sushi and not pay."
---Repo Man
Vernon Pereira
>
> What are the safety records of
>these vehicles? Of all the SUV's in the $30K or less market, which ones
>perform the best in collision tests?
>
Regarding Crash Tests you should call the Auto Safety Hotline at 1-800-424-9393 and request the year you are looking for and they will fax you the test results for all make and models for that year. It contains the Make, Model, doors, model year, size class, curb weight, type of protection, head injury criterion (Dr. Pass.), Chest Deceleration (G's - Dr. Pass.), Femur loads (lb - Dr. Left Right Pass. Left Right).
It is free and the fax might take a few hours when the rates are cheap.
> My final question is on the maintenance costs for these vehicles.
>Specifically, how much can I expect to spend on a new set of tires for these
>types of vehicles. Let's assume I stick with tires similar to those put on
>at the factory? Also, with conservative pavement driving, how many miles
>can I expect to get out of a new set of rubber?
It depends on what type of tires that came with the vehicle. The Goodyear Wrangler AT's are about $90 a piece. These came on my wife's '94 Jeep GC Laredo from the factory.
Vernon
Glenn Wiltse
the cost of insurance, except for the fact that the vehicle would be worth
more then a 2 wheel drive.
When I purchased my truck, and checked on insurrance my insurance
went down as compared to the omni I was driving. It seems that statisticly
pickups are involved in less accedents.
In article <3jnpeq$o...@news.service.uci.edu>,
Doug Jahn <dj...@salt.ps.uci.edu> wrote:
)
)
)Hi,
) I am in the market of purchasing a SUV and have enjoyed the
)conversations comparing the Pathfinder, 4Runner and Rodeo. I do however have
)a few questions? What difference in insurance premium can I expect if I were
)to purchase a 4x2 over a 4x4. Intuition tells me that the 4x4 will cost more
)to insure (4x4 = off road = increase in likelyhood of vehicle damage.) Is this
)true? This leads to my second question. What are the safety records of
)these vehicles? Of all the SUV's in the $30K or less market, which ones
)perform the best in collision tests?
) My final question is on the maintenance costs for these vehicles.
)Specifically, how much can I expect to spend on a new set of tires for these
)types of vehicles. Let's assume I stick with tires similar to those put on
)at the factory? Also, with conservative pavement driving, how many miles
)can I expect to get out of a new set of rubber?
)
)
)Many thanks in advance,
) Doug
blah blah blah yakity schmackity
I have heard it depends more on location. On the west coast I've had a friend
of mine not get a 4x4 because of insurance. Out there it really doesn't snow
(specifically refering to San Diego) so the insurance company assumes the only
reason why you would want a 4x4 is to go offroading, which it frowns upon duue
to the potential damage (this would be applicable only with full coverage)
Out here in the midwest and east I have found almost no difference in price
due to the fact that winter here makes it necessary to have a 4x4.
just what I have observed
lates
kyle
--
_____________________________ _______________________
^kyle...@midway.uchicago.edu\_/73 240Z & 78 LandCruzer/\/\.... ^
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
Drew Eckhardt
Glenn Wiltse <ig...@home.merit.edu> wrote:
> I would be very surprised if the addition of 4 wheel drive increases
>the cost of insurance, except for the fact that the vehicle would be worth
>more then a 2 wheel drive.
Arround here, idiots roll 4x4s, and run them into highway medians a
lot more often than other cars. Consequently, they're considered somewhat
high risk, and insurance premiums are set accordingly.
As an unmarried male, in the 22-25 age bracket, I'm paying a bit under
$1200 a year for liability only on my 1970 FJ40.
--
Four boxes : soap, ballot, jury, ammo. Use in that order.
Karen Klamczynski
: I would be very surprised if the addition of 4 wheel drive increases
: the cost of insurance, except for the fact that the vehicle would be worth
: more then a 2 wheel drive.
I can verify this. Before I bought my 4x4, I looked at some 2wd
options. My insurance agent told me that 4x4s cost more to insure
because they are worth more than 2wd vehicles. The difference in used
Cherokees (say 90 models), as an example, was several hundred dollars
in car value--I don't remember how this translated into premiums.
I'll also repeat something I posted the other day in another thread --
I think this is useful information to anyone, esp. those with
comprehensive ins. By all means, shop around, and ask a lot of
questions. Also, sticking with one reputable company for several
years will usually pay off -- you'll get on their cheapest rate plans
(companies usually have several, and new accounts are normally the
most expensive), and you'll get discounts. After 6 years with State
Farm, I'm eligible (with appropriate alarm system and def driving) for
up to 45% off my annual premium, and I've been on their cheapest rate
plan for years. That's a significant chunk of change for anyone with
comprehensive insurance!!
Jetson
>> I would be very surprised if the addition of 4 wheel drive increases
>>the cost of insurance, except for the fact that the vehicle would be worth
>>more then a 2 wheel drive.
>> When I purchased my truck, and checked on insurrance my insurance
>>went down as compared to the omni I was driving. It seems that statisticly
>>pickups are involved in less accedents.
What often happens with trucks is that the liability insurance goes up and
the comprehensive insurance goes down, based on the idea that you are
likely to be the less-damaged vehicle in any two-vehicle collision. I've
seen *several* accidents between pickups and compacts in which the truck
suffered minor paint damage and the small car was a complete write-off.
>I have to disagree. I'll bet the insurance companies view 4X4's as vehicle's
>begging to be put into compromising circumstances like "rolling" down the side
>of a hill etc. Just my two cents.
Many insurance companies get around that problem by putting a limitation
on the policy. My motorcycle and 4x4 policies both include clauses that
limit the insurance company's responsibility for damages resulting from
off-road use.
--
Jetson
Moncton, New Brunswick, Canada.
Rob Das
Mitch_...@qm.sri.com (Mitch Halpern) wrote:
>
> I've been pursuing the same exercise (comparative insurance quotes) and
> have come up with the following (here in California through AAA)
>
> '95 Explorer $764 per year
> '95 Jeep GC $798 per year
> '95 LR Discovery $ 828 per year (this number still has at least a little
> question mark around it since it took about 10 minutes on hold and several
> explanations for the agents to try to figure out what I was talking about)
>
Are you sure that these rates are per year? I just got quoted $750/6
months on my Explorer from my agent at State Farm in the Bay
Area......Hmmmmm. Am I getting screwed to the max??? BTW, in '86 my new
RX-7 was quoted at the lowest price of 10 other insurance companies. This
was at State Farm. Are they now that much higher? I also have a clean
record, have a child, have all the discounts for all that other
stuff....Maybe it's time to switch.
--
"The sum IQ of humans on the planet is a constant, the population
just keeps growing..." - Anonymous
All opinions are my own...
Rob Das, Taligent Corporation
rd...@taligent.com
kylers
>Area......Hmmmmm. Am I getting screwed to the max??? BTW, in '86 my new
>RX-7 was quoted at the lowest price of 10 other insurance companies. This
>was at State Farm. Are they now that much higher? I also have a clean
>record, have a child, have all the discounts for all that other
>stuff....Maybe it's time to switch.
>
Yeah I think its time to switch. State farm quote me I believe $460 for six
months for my '78 FJ40 for just liability. Yeah my vehicle is old, BUT
I am a first time insure, in the venerable 18-24 age category, clean record
though. Seems like you should have a lower rate than a high risk person
like me.
Kyle
Sylvan Butler
>>Are you sure that these rates are per year? I just got quoted $750/6
>>Area......Hmmmmm. Am I getting screwed to the max??? BTW, in '86 my new
>Yeah I think its time to switch. State farm quote me I believe $460 for six
>months for my '78 FJ40 for just liability. Yeah my vehicle is old, BUT
>I am a first time insure, in the venerable 18-24 age category, clean record
>though. Seems like you should have a lower rate than a high risk person
Coverage, coverage, coverage...
sdb
--
| This post does not represent Hewlett-Packard. Is it my opinion? Maybe! |
| Sylvan Butler-Boise,ID | sbu...@boi.hp.com | ...!hplabs!hpdmd48!sbutler |
"Don't Tread On Me!"
Jeff Gauvin
>Insurance rates on vehicles first are affected by a symbol rating based on
>the cost of the vehicle. I can only speculate that the cost is above
>$25,000 meaning you are paying the same rate as a Dodge Stealth. The
>costs of the other vehicles may be comparable, but the quote may be off of
>base costs of the vehicles. The base price of a Montero is probably more
>than the others. Another factor is that some insurance companies have a
>surcharge on vehicles such as the Montero, while others do not. Check
>around, you should be able to find a cheaper rate.
>Drew
Out of curiosity, I asked my Allstate agent what it would cost me to insure a
Land Rover Defender 90. After having problems locating it in his computer, he
informed me that it cost me $160/year _LESS_ than what I'm paying now for my
'92 V6 4Runner!
He explained to me that insurance rates are not directly tied to vehicle
sticker prices or even repair costs, but rather are based on "loss
experiences" for that vehicle. Since there aren't that many Def 90s driving
around (they've only been importing them for a year or so), there isn't much
of a "loss experience" history (ie. very few claims filed). By the same token,
if just one of those Defenders were to be stolen or totalled, rates for all
owners could skyrocket.
Based on this, Rolls Royce's may be the cheapest cars to insure, since I'm
sure their owners are very carefull with them...
-----------------------------
Jeff Gauvin, Design Engineer
Symbios Logic Inc.
jeff....@symbios.com
EIGERTec
oaks, CA has the best rates by far. I pay $400/yr for full coverage on a
78 Jeep i have as a second car
Rick Tinder
was a steal...