Insurance rates: Manual vs Automatic

WXman

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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

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

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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.
 
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WXman

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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

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

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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.
 

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

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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

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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

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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...
 
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Sgt Beavis

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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.
 

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$71 more every 6 months for me, USAA

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