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Insurance difference between 4x2 and 4x4

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Old 07-07-2010, 02:10 PM   #1
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Question Insurance difference between 4x2 and 4x4

Is there a huge jump between insurance rates for 4x4 vs 4x2 trucks?
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Old 07-07-2010, 02:11 PM   #3
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Dang, I didnt even know there was a difference!!
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Old 07-07-2010, 02:12 PM   #4
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The jump isn't hundreds of dollars a month as people seem to think. I have always owned 4wd trucks so I don't know the exact jump. Just go out and get some quotes.

Depending on your driving record check out Wawanesa insurance. They have an office in Diego.
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Old 07-07-2010, 02:21 PM   #5
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$38 per year difference for me personally if I went with a 4x2 instead of 4x4.

I'm an insurance broker in Ventura Cty, if you would like quotes or advice feel free to PM me.


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Old 07-07-2010, 02:41 PM   #6
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Mine was a few bucks...less than $10. I've got Progressive. I think it had more to do with it being newer than it being a 4x4. I went from an '09 Prerunner I bought in Sept '09 to a '10 4x4 I bought in Dec '09.
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Old 07-07-2010, 02:53 PM   #7
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^^
how much more did your insurance raise after the supercharger???
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Old 07-07-2010, 03:13 PM   #8
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Not a big difference at all!
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Old 07-07-2010, 03:19 PM   #9
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Went from a 04 2wd frontier base model to 09 4wd tacoma sport.

$25/month increase
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Old 07-07-2010, 03:19 PM   #10
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Quote:
Originally Posted by yumatrd View Post
^^
how much more did your insurance raise after the supercharger???
I'm supposed to tell them about it?

A few weeks ago I increased my aftermarket parts value to $4000. Cost me about $80 more per 6mo. Max coverage w/ Progressive for stuff like that is $5000 so I'll call them up and increase it to that limit. They didn't ask what I had added, just asked that I keep track of its value.
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Old 07-07-2010, 03:22 PM   #11
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$540/6mths for a 4x4 and protege.
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Old 07-07-2010, 04:12 PM   #12
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Quote:
Originally Posted by SManZ View Post
I'm supposed to tell them about it?

A few weeks ago I increased my aftermarket parts value to $4000. Cost me about $80 more per 6mo. Max coverage w/ Progressive for stuff like that is $5000 so I'll call them up and increase it to that limit. They didn't ask what I had added, just asked that I keep track of its value.
Just like you can add a shell to convert from a commercial vehicle to an SUV for licensing, I heard that adding a supercharger decreases your 0-60 times so much that it's now classified as a sports car...doubling your insurance rates.









j/k (well in CA, anything's possible...)
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Old 07-07-2010, 04:47 PM   #13
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Mine went up $16/month going from 4x2 to 4x4...
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Old 07-07-2010, 05:00 PM   #14
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Quote:
Originally Posted by trdchic View Post
Is there a huge jump between insurance rates for 4x4 vs 4x2 trucks?
for me is $30 per month cheaper to own 4x4 then 2wd.
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Old 07-07-2010, 05:06 PM   #15
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My 4x4 is the cheapest road weapon in my garage arsenal.
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Old 07-07-2010, 08:39 PM   #16
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I went from a 2008 Tacoma 4x4 4door sport long bed, to a 2010 Tundra 4x4 Double cab 5.7l, and the Tundra is $18 bucks cheaper a month. I think a PreRunner at my age was about the same as a Tundra. There is a lot of variables that work with rates for insurance.

I currently have State Farm.
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