The effect buying a four wheel drive vehicle can have on your car insurance is hard to determine. Most car insurance companies evaluate four wheel drive vehicles on a case by case basis, which means you will have to apply for a quote to see how much the premium will actually cost.
Insurers do this because they know that different people have different uses for a 4X4 and some drivers can obtain lower insurance on four wheel drives.
Where You Drive can make all the Difference
How and where you use your four wheel drive could make all the difference. If you just use it to get around in the ice and snow in the winter, and never take the vehicle off road you could pay less for insurance.
In fact, some insurance companies will give you a comparable rate to non-four wheel drive vehicles if you keep it on regular roads. Insurance is really competitive and the companies want your business.
However, if you actually go off road on a regular basis you may pay a higher premium. The reason for that is that vehicles which drive off road are more likely to get into accidents. If you don’t plan to take the vehicle off road let the agent know when you apply for insurance and you can get a lower rate. Many insurers will give you a discount for agreeing not to drive off road.
Going off the Road
Importantly, it is not good to tell the insurance company that you never drive off road when you do go off road. Doing so can get you lower rates, but it could also leave you in a situation where you have no car insurance coverage if you get into an accident and there is damage to your vehicle or another off-road or another 4×4.
Some insurance companies require you to sign an agreement stating you will not drive off road to get a lower rate. If driven off road, you will break the agreement and the insurance policy will no longer be valid.
If you occasionally go off road it will pay to say when you apply for insurance. Save money by comparing insurance quotes for comparable coverage. It is usually possible to find a policy for a four wheel drive that will cover off-road driving at a reasonable rate.
Another way to keep rates down is to be willing to negotiate or discuss things with the insurance company. If you’re willing to be flexible, the insurer might be willing to work with you to keep rates lower. Remember other factors such as having no recent accidents and a good driving record can keep your rates lower.
Insurers do this because they know that different people have different uses for a 4X4 and some drivers can obtain lower insurance on four wheel drives.
Where You Drive can make all the Difference
How and where you use your four wheel drive could make all the difference. If you just use it to get around in the ice and snow in the winter, and never take the vehicle off road you could pay less for insurance.
In fact, some insurance companies will give you a comparable rate to non-four wheel drive vehicles if you keep it on regular roads. Insurance is really competitive and the companies want your business.
However, if you actually go off road on a regular basis you may pay a higher premium. The reason for that is that vehicles which drive off road are more likely to get into accidents. If you don’t plan to take the vehicle off road let the agent know when you apply for insurance and you can get a lower rate. Many insurers will give you a discount for agreeing not to drive off road.
Going off the Road
Importantly, it is not good to tell the insurance company that you never drive off road when you do go off road. Doing so can get you lower rates, but it could also leave you in a situation where you have no car insurance coverage if you get into an accident and there is damage to your vehicle or another off-road or another 4×4.
Some insurance companies require you to sign an agreement stating you will not drive off road to get a lower rate. If driven off road, you will break the agreement and the insurance policy will no longer be valid.
If you occasionally go off road it will pay to say when you apply for insurance. Save money by comparing insurance quotes for comparable coverage. It is usually possible to find a policy for a four wheel drive that will cover off-road driving at a reasonable rate.
Another way to keep rates down is to be willing to negotiate or discuss things with the insurance company. If you’re willing to be flexible, the insurer might be willing to work with you to keep rates lower. Remember other factors such as having no recent accidents and a good driving record can keep your rates lower.
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