DUDE454

Well this morning i was out with my buddy and we were doing burnouts in the mud. I got out to watch him from a distance and i noticed only one tire spinning. My XJ is only 2x4 and now i see it has no LSD. The mud we were in wasnt anything serious, so i was wondering what could i do to put LSD in. My budget is only $350 for parts and labor and i cant offord the insurance on a 4x4 cherokee. So should i keep the XJ or will it cost too much to but LSD in. I got an XJ so i could do some off road, but with only 1 tire going i cant do crap. If it cost too mutch i might sell it and buy another car. Its a big delema right now.

Hommersimpson

how much more is insurance on a 4x4 vers a 2x4 ?

DUDE454

Sence im 16 its bout double, i cant offord that, the gas alone kills me.

cheromanche

im 19 and i have a 4wd cherokee and a 2wd comanche on my insurance and i pay $130/m.
try to get in a local insurance company.

DUDE454

Ya after 18 it goes down and it goes down every year until a point. but at 18 it drops a good amount i believe. Right now i pay $800 every 6 months.

cheromanche

when i was 16 i was paying 170 a month i think
and that was with state farm when i switch to my local insurance company it went down alot

96jeepxj

Holly crap, what insurance you got? My 96 xj is 4x4 and I pay less then 30 bucks. I'm 22 but I didn't think it was that big of difference for age.

cheromanche

i have direct now. i have 2 jeeps on it and i pay 130 i hear when u turn 21 it goes down alot

tuxfan212

The big difference is full versus liability. Also it usually starts to go down over time starting usually around age 26. Other factors that decrease the cost usually are how many vehicles are on the plan and if you are married or not. Anyway, I am 16 and pay roughly 30 a month for just liability on my 4x4 XJ. I had to do my research before buying a vehicle so thats how I know all that crap.

cheromanche

your 16 and paying 30 a month for your insurance in florida? thats crazy

DUDE454

Ive been talkin it over with my parents and they wont let me get a 4x4. We 've talked it over dozens of times when i boutgh this XJ and there like me, stuborn as a mule. So anyone know any good way to get both wheels rollin for under, Ill go $400. theres probably a way, but if there was i figured you all would know. If not im going to be in a grand prix.

cheromanche

my first car was a 2wd jeep comanche and i took that thing mudding everyday. i got stuck every once ina while but thats what u got buddys for.

tuxfan212

I am on my parents plan. There are ways to save a boat load on insurance as a teenager. If your parents own the car you bought you will save a lot. I worked it out so it would be the same 6 month rate for all three of our vehicles whether or not I owned mine or not. It would technically be 30 a month if they owned it but with me owning it it is a bit more but the rate on their vehicles goes way down with me being primary driver on mine. Technically no it is not 30 a month it is more like 60 but the insurance on their cars goes WAY down. I could have worked it out to technically be 30 a month if they owned it. It is all about playing games with the insurance company. For all three of our cars with 2 older cherokees and one 04 suburban with full coverage our 6 month premium is around 700 with me owning my own car.

tuxfan212

Also you can get a huge discount if you are a B or higher full time student with just about every insurance company.

cheromanche

not with state farm lol