KidVermicious
New member
You're right. We should all totally burn half our income protecting ourselves against something that's never ever going to happen. That's obviously the correct course of action.
Cheapest insurance for a 4Runner?
- Thread starter jks1985
- Start date
gp55445
New member
If half your income is paid to insurance, you need better rates or stop being poor - totally.
the first 8 years of my truck, my wife worked for an Insurance Broker and handed me different cards every couple years. I never needed their services, so nothing to add to this thread. I did notice about half called my 4Runner a 'Toyota truck'.
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2007 SE V6 titanium
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2007 SE V6 titanium
Tmic0723
New member
So many factors go into what your insurance will cost you. Right now I pay $65/month with Geico. I really like them.
I had a 2015 Dodge Dart before I traded it for my T4R. State Farm sent me a letter saying it was a "high risk" vehicle and they need to charge me more than North Carolina state law would allow. I switched to Geico right away and have been very happy with them since.
I had a 2015 Dodge Dart before I traded it for my T4R. State Farm sent me a letter saying it was a "high risk" vehicle and they need to charge me more than North Carolina state law would allow. I switched to Geico right away and have been very happy with them since.
ryananderson05
New member
not sure
I have progressive on a 3rd gen, liability and pay about 15 a month.
I have progressive on a 3rd gen, liability and pay about 15 a month.
cdiset
New member
So whats funny, I just bought a 2017 in January, and I was worried insurance was going to be pricey because its a 4WD, so I didn't get a quote before I bought the truck. I figured it would ruin the mood and I wouldn't buy the 4runner. Insurance is actually less than my 2012 Camry. I guess its because of the good safety rating and a multi car discount.
Woz1976-MT
New member
Automobile insurance is a big game of risk versus reward. While the concept of getting the "absolute minimum" auto insurance and then investing the difference between that and full coverage, makes financial sense, how long will you have to save/invest before you reach several hundred thousand dollars? You'll be getting the bar minimum in personal injury liability coverage, which will *maybe* pay for someone else to be in the hospital for a 1/2 day (perhaps a day at best).
The majority of the risk involved with automobiles is in injury liability to another person(s), and it gets pricey VERY quickly. Sure, you can argue the other person "can't get blood out of a turnip", but hospitals and insurance companies can have a lien filed against you in court for hundreds of thousands (if not millions) of dollars -- and no, bankruptcy doesn't get rid of it.
Also, paying for full property damage coverage (collision/comprehensive) on a vehicle that is over 10 years old actually starts to increase in most cases. The insurance company no longer wants that type of business so they'll gradually increase the costs. It's hard to explain in a short online post.
If anyone -- on a new or nearly-new vehicle -- is going to go the "cheap" route you need to plan on having large injury liability limits and an umbrella policy, very high deductibles on collision and comprehensive ($1000-$2000 range), then create a savings account to cover those deductible amounts.
Keep in mind, if you have a loan for the vehicle the lienholder (bank) will probably require a certain level of collision/comprehensive coverage with a low enough deductible so that they won't loose their @ss in the event the vehicle is totaled.
The majority of the risk involved with automobiles is in injury liability to another person(s), and it gets pricey VERY quickly. Sure, you can argue the other person "can't get blood out of a turnip", but hospitals and insurance companies can have a lien filed against you in court for hundreds of thousands (if not millions) of dollars -- and no, bankruptcy doesn't get rid of it.
Also, paying for full property damage coverage (collision/comprehensive) on a vehicle that is over 10 years old actually starts to increase in most cases. The insurance company no longer wants that type of business so they'll gradually increase the costs. It's hard to explain in a short online post.
If anyone -- on a new or nearly-new vehicle -- is going to go the "cheap" route you need to plan on having large injury liability limits and an umbrella policy, very high deductibles on collision and comprehensive ($1000-$2000 range), then create a savings account to cover those deductible amounts.
Keep in mind, if you have a loan for the vehicle the lienholder (bank) will probably require a certain level of collision/comprehensive coverage with a low enough deductible so that they won't loose their @ss in the event the vehicle is totaled.
93accordEX
New member
personally I've had great rates with geico up until my last renewal. Nothing has changed and somehow my cost went up. I haven't actually paid the bill yet and renewed, so now I'm starting to shop around.
Second Geico... however, they just jacked my rates up significantly after a couple of years! Any recommendations on insurance brokers in Texas..?
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coondog704
New member
I have Allstate, I'm 25 and have Full coverage on my 2005 Sr5 is about $33 a month, I've had one speeding ticket.
