4X4 or 4X2? what should i get?

Uh yeah, my 98 4 runner would be ~54 dollars if it were the most common model (just asking my insurance office how much 98 4 runner is to insure) but because it's a i4 2wd (asking them what it's vin number costs to insure) it's like $32 and that's what I pay

I just about flipped shit, before I bought the truck I called to see how much it would be to insure I gave them the vin and they said $32 a month, I buy it drive it to the office go to insure it and they said $52 a month, they had the papers proving the sale (vin) but the lady hadn't ran it I guess and gave me the "98 4runner quote" I was ticked and started "going off" the lady ran it and gave me the correct $32 quote

 

Yeah, I don’t know. Both reasons sound reasonable, and it probably varies from carrier to carrier in regard to their algorithms they use to determine policies.