Insurance rates: Manual vs Automatic

[WXman]

Has anyone shopped insurance rates between the two to see if there really is any difference? I think that would be interesting.

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[Thermodynamicles]

Nah, I didn't check before getting a MT. That tire cover is hilarious! Love it.

 

[Bubba33]

I can't see it making much if any difference. I've never been asked if it was a stick or auto when I got quotes before.

 

[Sgt Beavis]

You can figure this out easily. Get VIN numbers on two Jeeps that are equal in all ways except the transmission. Then simply get quotes.

There is only one reason, I can think of, that they would have different premiums and that is the replacement cost on those components. I’m going to assume that a manual is cheaper than the 8sp Auto. In that case I think you could potentially see a slight difference in premium.

There has always been an assertion that driving a manual tranny causes the driver to be less distracted. I haven’t seen any actual studies to back this up but if those studies exist, then I would speculate that it is possible an insurance company could see that as a risk reduction and thusly reduce premiums. However, I stress, that is purely speculation on my part.

 

[WXman]

Yeah, my assumption is that manuals get stolen far less often. However, manuals are also considered to be more prone to roll away or be in an accident. So I just thought it would be interesting to see if that's a criteria that insurance companies actually look at.

I might poke around and just see what I find....

 

[Sgt Beavis]

Let us know. I don't think it's going to be a large sum of money but I am curious.

 

[Hagie]

When I talked with USAA last week they didn't ask anything near transmission type. They were looking for "day time running lamps" and one other item, that I cannot recall immediately. She recommended getting VINs, but I told her that I was just looking to be in the parking lot of the ball park, not necessarily IN it.

I found it interesting that it costs a hair more to insure a Toyota Tundra than a 2018 JL.

 

[jrohan07]

No difference in premium on my 2018 JLUR manual and 2018 JLUS Automatic with ALFA.

 

[ThirtyOne]

No difference in premium on my 2018 JLUR manual and 2018 JLUS Automatic with ALFA.

Great data point. Thanks!

 

[ThirtyOne]

When I talked with USAA last week they didn't ask anything near transmission type. They were looking for "day time running lamps" and one other item, that I cannot recall immediately. She recommended getting VINs, but I told her that I was just looking to be in the parking lot of the ball park, not necessarily IN it.

I found it interesting that it costs a hair more to insure a Toyota Tundra than a 2018 JL.

The other item was probably security system.

 

[Jaysjeepycreepy]

Does it really make a difference? When I got insurance, I didn’t shop around looking for rates, but the insurance company didn’t even ask what kind of transmission.

 

[Hagie]

I really don't think it was and I can't find my notes immediately.

I do remember I was asked if the Tundra would have the bed cargo cover on it.

All I can remember her saying was sky-on instead of Scion...

 

[Sgt Beavis]

Does it really make a difference? When I got insurance, I didn’t shop around looking for rates, but the insurance company didn’t even ask what kind of transmission.

They don't really have to ask if you've given them a VIN. That said, the more I think about it, the more I don't think they really care.

 

[Wrangles]

$71 more every 6 months for me, USAA

2010 F150
To
2018 JLUR Loaded 6sp

 

[Bubba33]

$71 more every 6 months for me, USAA

2010 F150
To
2018 JLUR Loaded 6sp

You went from a 8 year old Ford truck to a new jeep. Big difference in value.

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