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Question: Does having a 4x4 increase auto insurance?

(Posted by: shadoweality5 on 2010-07-22 23:18:31)

I turned 18 and I wanted to get a 95' Jeep Wrangler for $5000 as my first car. But will the fact it's a 4x4 raise my dad's insurance. Please respond.

Posted by: Entidtil on 2010-07-23, 05:08:10

The only way to know is to ask Dad's insurance company

Posted by: Teddy on 2010-07-22, 23:22:43

4x4 vehicles always cost more to purchase than 2-wheel drive vehicles simply with the addition of more components, transfer case, front diff, servos, etc. Things that cost more to purchase are, for all intents and purposes, considered more valuable and therefore will cost more to insure.

Posted by: americas_funniest_animal on 2010-07-23, 00:12:55

When it comes to determining a vehicles rate class, the following are taken into consideration: make/ model/ year are primary, then trim (like...SE or GT)/ engine size/ 2 or 4 wheel drive. Bigger isn't better when it comes to cost of insurance. If a vehicle says GT its going to cost more to insure, if a vehicle is a 4x4 as in your case, its going to cost more to insure. However! the cost of 4 wheel drive over 2 wheel is pretty negligible, maybe 5 bucks more a month. Solution: call your insurance agent. we can look these things up for you in minutes!

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