05-28-2019, 09:04 PM
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#16
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Senior Member
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Join Date: Apr 2011
Location: Oceanside, CA
Posts: 1,892
Real Name: Evan
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Senior Member
Join Date: Apr 2011
Location: Oceanside, CA
Posts: 1,892
Real Name: Evan
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My 6 month policy just dropped about $1/ month. It was going up about that much the last few years so it’s odd that it went down. I’ve never had it drop until the new policy effective next month Maybe it’s your postal code that plays into it, but a 45% increase is ludicrous!
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2000 Black Sport 4WD 5spd -JD Fabrication long travel/ Fox 2.5 8” RR/ Anonymous Fab lower uniball• McNeil Racing fenders • Toytec Superflex/ 5th gen Bilstein 5100/ Wheelers Superbumps • 315/70/17 BFG KO2 on Robby Gordon wheels • 231mm TBU / Wheelers SS lines • MStudt rear swaybar links • Tom Woods driveshaft • Satoshi • K&N FIPK w/ AFE dry filter • Borla Pro XS • URD short throw shifter & Ellis Precision shift knobs • Uniden PRO 520XL & 3' Firefly on custom mount• Prinsu full rack • Baja Designs Squadron Sport Sae & combo beam lights • Paranoid Fab switch panel with Ram mounts • Extended rear diff breather • 01-02 tail lights • Stubbs HD-SKO sliders • Any 7 Offroad gas tank skid • @Assburns custom tube front bumper • Nguyen Works swing out bumper • FROR rear links
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05-29-2019, 12:08 AM
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#17
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Elite Member
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Join Date: May 2013
Location: Los Angeles
Posts: 5,154
Real Name: C8H18 Mike
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Elite Member
Join Date: May 2013
Location: Los Angeles
Posts: 5,154
Real Name: C8H18 Mike
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A 2001 is cheaper to insure than a 1999, why? The 2001 is "safer" according to the stats they use; which are essentially "cooked books" that we cannot dispute.
I removed comp and collision from my 4runner and only carry liability and uninsured/underinsured motorist; without those you're screwed if you get hit by a gardner.
I'm with State Farm too, and supposedly enjoy a "multi line discount"
My gf is with Esurance and just totaled her car in a single-car accident (hydroplaned in the rain into the center divider @50 MPH.) She's okay minus a few bruises but got a FULL, high replacement value payout within 7 days of claim. No haggling, just a direct deposit after a phone call with the settlement amount. She was happily surprised, and so was I.
Maybe it's time to shop insurance companies.
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1999 Toyota 4Runner SR5 Sport 4WD, V6 5-Speed e-Locker-> 4WD 4runner Journal Thread
1999 Toyota 4Runner SR5 Un-Sported 2WD, V6 Auto -> 2WD 4runner Journal Thread
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05-29-2019, 12:17 AM
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#18
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Junior Member
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Join Date: May 2019
Location: New Orleans
Posts: 20
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Junior Member
Join Date: May 2019
Location: New Orleans
Posts: 20
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Geico here, got the same response.
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05-29-2019, 12:25 AM
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#19
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Senior Member
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Join Date: Sep 2017
Location: South SF Bay, CA
Posts: 1,758
Real Name: Tony (no surprise)
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Senior Member
Join Date: Sep 2017
Location: South SF Bay, CA
Posts: 1,758
Real Name: Tony (no surprise)
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Thanks for the additional feedback and thoughts.
As with most folks, my insurance company covers are vehicles as well as home. It's often beneficial to do so... I left previous insurance providers for various reasons like this, but this time not it's not easy as our home is now in a designated high fire area; and quotes are quite a bit higher than our current premium, which is seemingly locked-in. I'll make it a point to check again...
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2000 Limited, E-locker
Maintenance/Build Thread
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05-29-2019, 07:18 AM
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#20
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Elite Member
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Join Date: May 2011
Location: OBX, NC and Obamaville
Posts: 6,801
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Join Date: May 2011
Location: OBX, NC and Obamaville
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I would call around, it doesn’t hurt to ask.
After turning 40 two years ago my premiums on the 3rd gen and Silverado went down. Come to think of it the 4Runner (99) is more expensive than the Silverado (04) to insure.
Insurance is a dirty business......
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05-29-2019, 08:23 AM
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#21
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Member
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Join Date: Mar 2019
Posts: 186
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Member
Join Date: Mar 2019
Posts: 186
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Quote:
Originally Posted by thegipper
We just renewed our insurance on the 4runner and it's 95ish bucks for 6 months (Statefarm, liability only). It hasn't changed in the few years that I've had it.
My Camry has gone up a couple times and they basically told me the same BS answer.
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Almost the same here. Paying $100/6 months for liability only.
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05-29-2019, 10:22 AM
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#22
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Senior Member
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Join Date: Sep 2017
Location: South SF Bay, CA
Posts: 1,758
Real Name: Tony (no surprise)
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Senior Member
Join Date: Sep 2017
Location: South SF Bay, CA
Posts: 1,758
Real Name: Tony (no surprise)
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I sent-off a couple emails last night requesting quotes, starting first with our residence (homeowner's insurance).
BostonJon - Curious, are you paying that in Boston, or Boston area?
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2000 Limited, E-locker
Maintenance/Build Thread
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06-01-2019, 05:30 PM
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#23
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Member
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Join Date: Mar 2019
Posts: 186
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Member
Join Date: Mar 2019
Posts: 186
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Quote:
Originally Posted by TonyB66
I sent-off a couple emails last night requesting quotes, starting first with our residence (homeowner's insurance).
BostonJon - Curious, are you paying that in Boston, or Boston area?
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Nope - we keep the 4R at some rural property we have in OH.
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06-01-2019, 09:50 PM
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#24
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Member
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Join Date: Jan 2015
Location: Seattle Area, WA
Posts: 146
Real Name: Tim
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Member
Join Date: Jan 2015
Location: Seattle Area, WA
Posts: 146
Real Name: Tim
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nope, not yet. Progressive, and dropping price slightly as we age. 3 miles from work in a small town in the PNW. $486 for 6 months for full coverage on Prius, liability on T4R.
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2002 T4R Limited 4WD | 159,103 mi | heated seats!
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06-01-2019, 10:27 PM
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#25
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Member
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Join Date: Feb 2018
Location: Acheron (LV-426)
Posts: 55
Real Name: Jeff
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Member
Join Date: Feb 2018
Location: Acheron (LV-426)
Posts: 55
Real Name: Jeff
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Ok, it's not just me then. 2001 SR5 here in Northern Cal and my rates went way up too. My wife is asking me wtf happened with the auto insurance.
I just aquired it last year in March and adding it on back then wasn't even a blip on our auto policy. This year's renewal ....totally different story and it's gone up > $700 for the year...whoa there Skippy! Me and my agent are going to have a heart to heart.
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2001 4Runner SR5 4x4, V6 Auto, ME Silver|2nd Owner|5 Stars with 265/75/R16 Falken Wildpeak AT3Ws
4.88s w/ front and rear ARB lockers|Shrockworks front bumper, rear bumper with swing out, and rock sliders|Tundra TRD Pro springs and Bilstein 5100s|OME 890 springs and Bilstein 5100s|SS Fully Adjustable Trac/PanHard Bar|SS Diff drop|TBU – 13WL calipers w/ Stoptech slotted rotors|Prinsu full length roof rack|Smittybuilt X20 winch|ARB CKMA12 compressor
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06-02-2019, 11:58 AM
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#26
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Member
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Join Date: Jul 2015
Location: SF Bay Area
Posts: 73
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Member
Join Date: Jul 2015
Location: SF Bay Area
Posts: 73
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Liability and collision coverage for the 4runner costs more than on my 2014 228i.
eSurance
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2002 SR5 Sport Edition; Thundercloud; All Stock.
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05-27-2020, 01:01 PM
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#27
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Senior Member
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Join Date: Sep 2017
Location: South SF Bay, CA
Posts: 1,758
Real Name: Tony (no surprise)
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Senior Member
Join Date: Sep 2017
Location: South SF Bay, CA
Posts: 1,758
Real Name: Tony (no surprise)
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Quote:
Originally Posted by TonyB66
After a few months on full coverage upon ownership, I went liability only too. The trend (6 month coverage periods):
$164 -> $180 -> $238 (due in July)
Quite a big difference, but I'm in the south Bay Area of California. Of note, I have mine on minimal mileage, I think not to exceed 2,500 a year. I do maybe half of that now...
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Started this thread about a year ago, and unfortunately it happened again. Now - $334. So:
$164 -> $180 -> $238 - $324
In about two years of being liability only, I've seen stepped increases of: 10%, 32%, and 36%. Nearly a 100% gain from when it was $164 in 2018.
I might need to have a different company for auto insurance, unfortunately...
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2000 Limited, E-locker
Maintenance/Build Thread
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05-27-2020, 01:10 PM
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#28
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Senior Member
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Join Date: Oct 2016
Location: Atlanta
Posts: 2,257
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Senior Member
Join Date: Oct 2016
Location: Atlanta
Posts: 2,257
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Quote:
Originally Posted by TonyB66
Started this thread about a year ago, and unfortunately it happened again. Now - $334. So:
$164 -> $180 -> $238 - $324
In about two years of being liability only, I've seen stepped increases of: 10%, 32%, and 36%. Nearly a 100% gain from when it was $164 in 2018.
I might need to have a different company for auto insurance, unfortunately...
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Tony,
My 6-mo premium is about where you are now and has been like that for the last few years. It didn't even change when moving from CA to GA.
We also have a CRV of similar vintage and it's always like $50 less than the 4Runner (maybe because it has ABS!)
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05-27-2020, 01:42 PM
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#29
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Elite Member
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Join Date: May 2011
Location: OBX, NC and Obamaville
Posts: 6,801
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Elite Member
Join Date: May 2011
Location: OBX, NC and Obamaville
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Quote:
Originally Posted by JZiggy
Tony,
My 6-mo premium is about where you are now and has been like that for the last few years. It didn't even change when moving from CA to GA.
We also have a CRV of similar vintage and it's always like $50 less than the 4Runner (maybe because it has ABS!)
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My two cents when it comes to all types of insurance: shop around with every company out there, leave nothing to chance.
I shopped around for home owners insurance just last year in South Carolina and received a much more comprehensive coverage plan that before while still managing to save over $900 from the previous year.
Paying less than $40 monthly from my Good Neighbor insurance company on the 4Runner, liability only, with coverage up to $750k.
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05-27-2020, 01:54 PM
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#30
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Member
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Join Date: Dec 2014
Location: New York-Lower Hudson Valley
Posts: 493
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Member
Join Date: Dec 2014
Location: New York-Lower Hudson Valley
Posts: 493
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If your 4TR is a second vehicle and you have another vehicle that is a daily driver you may want to look into a specialty insurer such as Hagerty.
I have my 02 year 4TR insured with Hagerty, full coverage, $100 collision deductible, $0 comprehensive deductible, $8500 stated value.
I have no mileage restrictions and can drive anywhere I desire at any time.
I imagine if I started putting 10K+ miles annually they would want an explanation as this is not currently insured as my daily driver.
I have other vehicles so mileage is usually no more than 5K annually.
I pay $160 annually for above coverage in NYS.
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