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4X4 or 4X2? what should i get?

Discussion in '3rd Gen. Tacomas (2016+)' started by toyotahenry, Sep 13, 2020.

  1. Sep 16, 2020 at 3:26 PM
    #81
    The Shepherd Chauffeur

    The Shepherd Chauffeur Active Member

    Joined:
    Feb 15, 2020
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    Vehicle:
    2020 Taco TRD OR DCLB
    Do you know if thats just because 4x4s are worth more, therefore insurance companies charge a higher premium to insure the added value?

    Or is there some added risk of behavior the insurance companies are charging for that they associate with 4x4s?

    I'm sure you probably don't know, but I just find the premium difference really interesting.
     
  2. Sep 16, 2020 at 3:46 PM
    #82
    blitzkrieg3002

    blitzkrieg3002 Well-Known Member

    Joined:
    May 30, 2016
    Member:
    #188296
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    878
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    Male
    First Name:
    Rick
    California
    Vehicle:
    2019 Tacoma SR5 4x4 5.29’s
    BP51 Complete Kit, Medium Duty Dakar Pack, 5.29 Gears, OVtune 2.0F 5.29 THX, Harrop E Lockers Front & Rear, SCS F5 Wheels 16x8 3.5bs, Cooper Discoverer ST Maxx 285/75/16, Cali Raised 0 Deg Sliders, BHLM, DD SS3 Yellow Pro Fogs, Debadged/Stickers Removed, Paint to match Bumper caps, Bakflip MX4 Tonneau Cover, Start-X Remote Start, N2 Designs Smart Phone module, Pop N Lock Tailgate lock, Taco Garage TRD PRO grille, Prodigy P3 Trailer Brake Controller, Rockblokz XL Mud Flaps.
  3. Sep 16, 2020 at 3:48 PM
    #83
    Running Board Man

    Running Board Man Well-Known Member

    Joined:
    Feb 19, 2017
    Member:
    #211024
    Messages:
    4,240
    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
     
    Last edited: Sep 16, 2020
  4. Sep 16, 2020 at 6:18 PM
    #84
    Malvolio

    Malvolio free zip ties for Stun

    Joined:
    Jul 23, 2018
    Member:
    #260236
    Messages:
    1,114
    SoCal Dumbgeon
    Vehicle:
    2017 DCSB SR5 2WD
    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.
     

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