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4x4 Insurance Coverage

While there are many benefits (not necessarily related to insurance costs) to owning a 4WD vehicle, there are perhaps just as many setbacks. No one will say that owning a 4x4 vehicle is cheaper than 2WD vehicles. It’s just logical since 4x4 trucks generally cost more anyways, with more parts and components; this obviously makes the cost of insurance rise. Due to the size and power of most 4x4 vehicles, insurance companies also raise the cost of insurance for a number of reasons. These large, powerful trucks and SUVs are notorious for causing immense damage to other cars and/or drivers, whenever a collision occurs. Unfortunately 4x4 vehicles are also incredibly appealing to thieves, hence another reason for higher insurance rates. Repairing certain parts on a 4x4 is also more expensive, in terms of labor and overall cost. Repairs are unavoidable and insurance companies know this. Insuring a 4x4 truck or SUV in today’s market may seem like a harrowing financial journey. However, there are a few tricks to keep in mind, which can drastically lower the cost of insuring a 4WD truck, van, or SUV.

Unbeknownst to many a 4x4 owner, there are a number of auto insurance companies which specialize in 4x4 insurance coverage. Dealing with these companies can save you tons of money on this type of insurance, when compared to standard insurance companies such as State Farm, Geico or Allstate. Some of the bigger 4x4 specialist insurance companies include Sureterm Direct, Performance Direct and Tuff Stuff.

Not everyone wants to have two insurance companies though. To many people it just doesn’t make sense to have an insurance company covering your life, home and 2WD cars, while another covers your 4WD truck or SUV. There’s a few solutions that can still help you find a good rate on 4x4 insurance, even with standard companies. Your agent will probably ask you what type of driving you plan on doing with your truck. 90% of 4WD or AWD owners drive what some call “pavement pounders.” These trucks, vans and SUVs rarely – if ever – see anything but smooth asphalt. For these types of drivers insurance costs on your 4x4 will be considerably lower than those who continuously take their vehicle in the dirt and mud. Many car insurance companies also offer some kind of multi-driver discount. This means that if there are multiple drivers in your family, you may be able to get a lower rate by insuring all drivers with that company. This isn’t the case with every company, but it’s definitely something to ask your agent about. Even on the priciest of companies for 4x4 insurance a clean driving record can drastically reduce the potential insurance cost. Any reputable company will offer these discounts. If they don’t then you might want to consider going with a different company. The deductible (amount you’ll be required to pay for an accident, before the insurance company pays anything) of most 4x4 vehicles is also considerably higher than their 2x2 counterparts, while the premium is typically lower. Another thing to consider and talk with your agent about is the fact that you will be required to have 4x4 insurance coverage, prior to getting a loan to pay for the vehicle. If a loan is used from the bank to purchase the vehicle, all banks will require you to have 4x4 insurance before they will hand out money.

Research and polls have shown that certain 4x4 models are more expensive than others, based on safety ratings, overall cost, engine type, etc. For example, the Dodge Dakota 4x4 is considerably less expensive to insure than its rival, the Nissan Frontier. The Chevy Silverado costs much more to insure than the Ford F-150. For owners of the Jeep Grand Cherokee Laredo, 11% of the total cost of ownership will be from insurance payments. On average, the Laredo costs consumers a little over $1,000 per year.

Again, we never said your were going to pay nickels and dimes for 4x4 insurance; but if you follow the tips provided you can pay as much as – or even less – than owners of 2WD vehicles.

4x4 Insurance Coverage

4x4 Insurance Coverage

4x4 Insurance Coverage