INSURANCE on SUV with factory 35's

[NCOBX]

I dunno what planet you live on but 50k is a lofty sum. That’s what the average American makes in a year.

The Bronco starts at $28k with 4x4.
iirc the 4Runner starts at $38k when you option for 4x4

No one has to spend $50k to get a very capable Bronco. Realistically base+squatch has everything you could need.

Relatively speaking the Bronco is a steal if your not afraid of a turbo.

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[ProdigyJKU]

The biggest hit is going to be the convertible nature of the bronco. compare the insurance of a 4runner or FJ Cruiser to a Wrangler. I assume the bronco will be closer to a Wrangler in pricing.

My ~500hp 2012 Wrangler is cheaper to insure than my 2014 Focus, lol

 

[SwankyTiger]

My ~500hp 2012 Wrangler is cheaper to insure than my 2014 Focus, lol

yea a new mustang was cheaper to insure than my new fiesta when i had it.
something about more focus/fiesta were written off than mustangs.

 

[NCOBX]

yea a new mustang was cheaper to insure than my new fiesta when i had it.

A big part of it is the demographic that buys the vehicles. It’s why Corvettes are cheap to insure but 2dr Honda Civics are expensive.

 

[SwankyTiger]

A big part of it is the demographic that buys the vehicles. It’s why Corvettes are cheap to insure but 2dr Honda Civics are expensive.

yea the fiesta was the most expensive vehicle i have had insurance wise. The NA and ND miatas were cheap, the Veloster N was cheaper than the fiesta, my WRX is cheaper than the fiesta.

 

[Streetfish]

I have Liberty Mutual insurance and they have a page that will give a quick quote to add a vehicle with your current coverages. They don't have Bronco listed yet in the drop-down menus but you can also enter a Vin. So, I tried entering a few different Bronco Vins that I found online from CarGurus where they get listed automatically from dealers orders. The difference in price between an Outer Banks with 32" tires and a First edition was less than $100 a year ($1000 vs $1100). For reference, I live in NJ which has high car insurance rates and the quote was assuming that i'd keep my other cars on the policy (An FJ Cruiser and a beater Suzuki compact wagon). I'd guess that the rate difference is probably more about the price of the vehicle than the actual tire size

 

[SwankyTiger]

I have Liberty Mutual insurance and they have a page that will give a quick quote to add a vehicle with your current coverages. They don't have Bronco listed yet in the drop-down menus but you can also enter a Vin. So, I tried entering a few different Bronco Vins that I found online from CarGurus where they get listed automatically from dealers orders. The difference in price between an Outer Banks with 32" tires and a First edition was less than $100 a year ($1000 vs $1100). For reference, I live in NJ which has high car insurance rates and the quote was assuming that i'd keep my other cars on the policy (An FJ Cruiser and a beater Suzuki compact wagon). I'd guess that the rate difference is probably more about the price of the vehicle than the actual tire size

Yea that difference is likely solely on the MSRP difference.

 

[jaruss01]

Last I checked a few months ago it was reasonable. But I think I threw out an MSRP that was almost $10k lower than where I am at now. LOL!

 

[bdub2you]

Insurance is mainly a function of vehicle value, historical risk profile of the driver, historical risk profile of the vehicle, and coverage terms (i.e. limits). I don't know of any insurance company that uses 33s vs. 35s in their risk calculations for the same model vehicle, I don't think that's even tracked.

 

[OffRoader90]

from my auto insurance days, and having to go with the whole situation with my wife's car that just died, like others have said, the tech and the safety features, as well as the anti-theft are going to drive the rate of insurance down. Especially with a lot of hybrid working schedules as well for some people/clientele, the insurance would not be bad at all I do not believe. The bronco will be a depreciating asset off the lot, so once that 6 month hits for a rate shopping/reevaluation it most likely would be cheaper.

 

[Erasmus]

I had a 89 ford probe gt for about 8 years, at about year 6 the insurance actually went up. I called my agent, she said the original owners are trading out and young kids are buying used and crashing. WTF

 

[_finack]

Also if you historically have lower liability limits (<$100,000/300,000 bodily injury, $300,000 combined single limit) bump them up to at least 100/300 then request a quote elsewhere. I cant tell you how many times I saw the difference when the same person called in having lower liability limits vs > 100/300 and how much that alone reduced rates. Its a wacky game but there are ways to save and not reduce coverage.

Wait, are you saying that sometimes selecting higher limits is actually cheaper?

 

[palley6]

Wait, are you saying that sometimes selecting higher limits is actually cheaper?

Depends on a ton of variables but yes I've seen it countless times, for multiple states (was licensed to sell in all 50). If you think about it from a statistical perspective it makes sense considering this is how underwriters evaluate new business, and drivers with higher liability coverage tend to be less risk, which could help to lower your new quoted price elsewhere. It's not a universal deal everywhere but its an overall win win in my opinion at least to test.

 

[Qman68]

I had a 89 ford probe gt for about 8 years, at about year 6 the insurance actually went up. I called my agent, she said the original owners are trading out and young kids are buying used and crashing. WTF

That's probably the classic Cherokee issue...lots of off roading youngsters.

 

[Fordmanbob]

A long time ago an agent told me this....."the longer you go without an accident (with your current insurance. Co.) The more likely it is the insurance Co will cancel your ins. " Why you ask.....simple answer is... the odds of you having an accident go up the longer you go without an accident. We all.know how ins. companies do not like to pay claims.

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