What Insurance Rates and Loan APR % is everyone getting ?

[kennyglm]

ins. is 540.00 a year full coverage and no loan paid cash

Sponsored

 

[Jimboscope]

"I pay about 3.4% for my ride, which in my opinion, is a pretty good deal. It might seem high enough for some people here. But, recently, I talked about this with my friends, who pay much higher rates than I do. That’s why I feel lucky about it. But it mainly depends on which insurance broker you have.
The same for my mortgage. I’ve got a pretty good deal with the Mortgage Broker Bradford and got reasonable rates. I had to do some extra paperwork to get it, but it’s worth it."

 

[SargeDiesel]

As some already said, it’s not possible to do an apples to apples comparison even if you list out your coverage, deductibles, etc.

That being said…I was shocked when the quote for my JTR ended up being less than my Subaru Outback 2.5 (has a ton of safety and driver assistance features).

An apples to apples comparison wasn't the purpose of the thread.... but thanks for your input though !

 

[Kennyflose]

For insurance rates, I'm paying around $700 a year for full coverage with a decent company. But as I see it really depends on where you live and your personal situation, so it's good to compare with people in your area.
For loans, I also got an open loan through my credit union, and I totally get the hesitation about not knowing the exact APR until after you finalize everything. I ended up with a 2.5% APR for a 60-month term, but again it can really vary based on your credit score and the bank.
While you're figuring out insurance and loans, you might also want to consider life insurance. I found purecover.co.uk really helpful for that. It's always a good idea to cover all your bases, both for your car and your life.

 

[Jeeperjamie]

Got 2.5% on my recent 2024 Ram Rebel purchase through my credit union. Insurance went up $21 a month with full coverage with a $500 deductible. I got a 2023 Tesla model Y, 2024 Ram Rebel, 2013 BMW 328I and a 2024 Grand Design 235BH camper through Geico Nd its $227 a month for insurance

 

[NULL POINTER]

Stellantis Financial Services has 0% APR + no payments for 90 days, must take delivery by 09/03/2024. Read the disclosure, not everyone will qualify. www.jeep.com

EDIT: Caveat: Based upon @ShadowsPapa findings below, as well as my own discoveries below, this offer may not be available in all USA regions or it may have other region dependent variations.

 

[ShadowsPapa]

To be clear - the no payments for 90 days doesn't go with the 0% interest.
it's either a discount (cash allowance and 90 days no payment (offer 1)
OR
0% interest (offer 2)

EDIT: - the offers vary by region. Plug in your own zip code to see for sure!
Some apparently have different combinations on the financing bit - and the discount varies with JT models.

 

[Minty JL]

I'm paying $375mo for insurance on my '23 XC90, '23 JTM. '19 JLUR and '04 Colorado ZQ8

 

[Geoarch]

Purchased off the lot in November. Couldn't wait and order since my nearly 20 year old mishubishi (mitsubishi) started having problems and had to get rid of it.

609 every 6 months for insurance (socal price i suppose?)
840 per month for 72 months at 2.09 apr.
5k down
+ 2k for dealer installed options added to the price of the jeep (again purchased off lot and couldn't wait).

Consider ordering and you'll likely save some cash if you can wait.

Good luck and cheers!

My 2024 JTR insurance is about the same and I live in NM. No tickets, over 60 (way over) and bundled with my home insurance (AAA). According to AAA and Forbes, we have the worst drivers in the country - city cops refuse to do traffic work. It's more fun to shoot people down in the poorer part of the city. So, we pay more for insurance. Our 2023 Rav4 Prime is about 1/2 that.

I paid cash.

 

[NULL POINTER]

To be clear - the no payments for 90 days doesn't go with the 0% interest.
it's either a discount (cash allowance and 90 days no payment (offer 1)
OR
0% interest (offer 2)

Could be your area. Last week I got both the 0% and no payments for 90 days. Maybe they changed it, too many takers. And last week the offer for no payments for 90 days was with both the cash offer and the 0% offer.

 

[NULL POINTER]

To be clear - the no payments for 90 days doesn't go with the 0% interest.
it's either a discount (cash allowance and 90 days no payment (offer 1)
OR
0% interest (offer 2)

Must be regional differences. Today on Jeep.com....

 

[ShadowsPapa]

Must be regional differences. Today on Jeep.com....

A lot of what car makers do is regional - and that makes sense, too.

I should plug in my son's zip code (he's between St. Augustine and Jacksonville) and see what happens

 

[NULL POINTER]

To be clear - the no payments for 90 days doesn't go with the 0% interest.
it's either a discount (cash allowance and 90 days no payment (offer 1)
OR
0% interest (offer 2)

And finally, just now on Jeep.com, same deals as last week...

 

[NULL POINTER]

A lot of what car makers do is regional - and that makes sense, too.

I should plug in my son's zip code (he's between St. Augustine and Jacksonville) and see what happens

I am near Jacksonville, so I would guess your son's zip code gets these offers.

EDIT: Unlike last week's offer, I don't see the 36 month restriction on the 0% now - not in the disclosure or footnotes. Interesting.

 

[ShadowsPapa]

I am near Jacksonville, so I would guess your son's zip code gets these offers.

EDIT: Unlike last week's offer, I don't see the 36 month restriction on the 0% now - not in the disclosure or footnotes. Interesting.

I plugged in St. Augustine and it came up with different offers - and the cash incentive varied with models.
And PA is even different.
Apparently the 0% has a time limit of 36 months in many locations, but no mention of that for our area.
90 days deferred payment and 0% for 36 months is the St. Augustine offer.

So - we have found "YMMV" definitely applies here.

Sponsored