Image by Dariusz Sankowski from Pixabay
If you’re in the market for a new vehicle, you have options. Red or white? Sedan or SUV? 4X4 or AWD? While you might start by comparing models and features, don’t forget to compare auto insurance costs too.
Different Drivetrains Offer Different Experiences
Two-wheel drive. Four-wheel drive. All-wheel drive. What’s the difference? The drivetrain powers a vehicle’s wheels. The way the vehicle handles different conditions depends upon how the model is designed.
Two-wheel drive systems come standard on most vehicles. Power is sent to two wheels, allowing the other two wheels to spin. This creates a lighter-weight system that offers higher fuel efficiency. It’s what many drivers look for when most of their driving is a typical daily commute. Four-wheel drive and all-wheel drive offer more power to all wheels, giving you optimal traction and control in various situations. It comes in handy when driving over rocky terrain or when you are likely to face ice and snow on your local commute.
While some will use the terms four-wheel drive and all-wheel drive interchangeably, there are differences. A 4×4 is built for driving harsh terrain. It features high and low gear ranges for added climbing power. Many have differentials that are locked for optimal traction. AWDs are better for driving on slippery winter streets, tackle the mud like a charm, and do well on loose surfaces like sand. Because all wheels provide traction, if two wheels are stuck in the snow or mud, you still have two wheels to pull the car out.
Why AWD Might Be Right For You
Some drivers like knowing they can handle whatever the drive throws their way. All-wheel drive vehicles have power on all four wheels. This is done automatically, without having to think about your driving experience. Overall, all-wheel drive vehicles are considered the safest and most capable on the market. That’s why more cars are being built with AWD as a standard feature. People prefer AWD because:
- It requires no input from you as you drive. The all-wheel drive feature is always on.
- It automatically adapts to road conditions. If a wheel needs more power, the computer generates it as needed.
- It’s suitable for city and highway driving. In other words, it makes sense for the majority of drivers.
- It has a sportier feel to its drive, helping you maneuver safely through the streets.
Why a 4×4 Might Be Right For You
Four-wheel drive vehicles also have power on all four wheels. The key difference is purely mechanical. For a 4×4 to switch to four-wheel drive, the driver must operate a switch or lever to determine which wheels receive the power.
Putting the driver in charge creates a more personalized driving experience. Use the drivetrain that works best for the situation. It provides superior conditions, especially when off-roading or driving over harsh terrain. Get one wheel stuck? The other three can be engaged to pull the vehicle out. People love 4×4 because:
- It provides a higher vehicle clearance to drive over rougher roads.
- You can use four-wheel drive when you choose, turning it on and off as desired.
- With the four-wheel drive disengaged, only the rear wheels move the car forward, leaving the front wheels to spin freely.
- A 4×4 gives you increased fuel efficiency.
Do 4×4 or AWD Add to the Cost of Auto Insurance?
Many drivers like having four- or all-wheel drive vehicles because they feel safer. A 4×4 or AWD vehicle can increase your safety on the open road but don’t expect a break on your insurance bill.
Four-wheel and all-wheel drive are upgraded drivetrains that add power to all four wheels. It gives you greater traction in hazardous road conditions. That makes these vehicles more expensive because the driving system is more sophisticated. If your 4×4 or AWD car is in an accident and needs repair, fixing, or replacing it costs more than a two-wheel drive.
While it’s generally more expensive to insure a 4×4 or AWD, it’s not always true. A lot goes into an insurance quote, so asking for quotes should be part of your car shopping process. The cost of car insurance varies depending on the make and model. It’s also quoted based on demographics, such as your age and geographical location. It is possible to insure some 4×4 or AWD models at rates similar to their two-wheel drive counterparts.
Many insurance providers offer discount opportunities. They often provide discounts for:
- Safe drivers—the longer you go without a ticket or accident on your record, the lower your insurance.
- Bundling your car insurance with your home or renters insurance.
- Paying the insurance premium all at once.
- Completing a safe driving course.
- Being affiliated with certain schools, organizations, or associations.
You can also find the lowest auto insurance rates by shopping around for coverage. Compare quotes from top car insurance companies and examine coverage options, customer service reputations, and discount programs.
A quote will give you what you need to make an informed decision.