What are your thoughts on these points against owning a hybrid truck?

[LSchicago]

Eire. Also said if we installed a charger for an EV that is a separate rider.

Sounds like your insurance agent doesn't know what he is talking about.

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[LSchicago]

LOL You have to purposefully listen closely with the radio turned off to even tell if the hybrid ICE is on or off. If radio is on, can't even notice.

True, most people who have been in my hybrids don't know if it is running or not.

 

[LSchicago]

I'd say the real-world MPG difference is +6 MPG for the Hybrid, not +12, at least for my driving. However, I'd likely be putting 91 or 93 (by choice) in the turbo so I'd say your graph is still accurate. The Hybrid was the cheaper option on my 2021 order. I'm absolutely going to kill it in fuel savings if I can keep this thing going for 6-10 more years.

Every user is different.

Based on my Wife's FWD Escape with a 2.0Eb that got 18 MPG average,In 90% city driving. Compare my AWD Hybrid at 40MPG in the 90% city driving, I get a 22mpg improvement. (A whopping 122% improvement for the hybrid MPG)

If you live in a city, Hybrid is 100% the way to go. If you drive mostly on the highway, it's more personal preference as MPG are closer on the highway.

An Ecoboost will not out accelerate a Hybrid at a light to city speed limits, but it will be quicker at highway speeds. Hybrids are quicker to the 1/8 mile or first block. Second half of the 1/4 mile is where the Ecoboost shines.

Ultimately Hybrid is the city choice, as heavy traffic is where the hybrid shines and Ecoboost is thirsty.

If you are in a rural area, the choice becomes more 50/50.

Tow a lot at highway speeds? Or want to mod the truck for power? Ecoboost will be better.

 

[LSchicago]

So EVERY insurance policy from every company in every state is exactly the same? NO.
" In Virginia, a base homeowner's insurance policy likely will not cover an EV charger specifically. While the policy might cover damage to the property caused by the charger, it usually doesn't include the charger itself as a covered item. Homeowners in Virginia with EV chargers should check with their insurance company to see if they need additional coverage for the charger, as it may be a valuable asset. " Why would insurance companies insure every possible item anyone could own for ALL clients. He did not say they will NOT insure it just that you have to add a rider to the policy. Same as if you have more tools or other items than the standard contents clause would cover they add a rider to the policy.

There are no chargers for a Maverick. It is NOT a PHEV. It is an HEV which does not require a EV charger, nor can it use one.

Like I said, your insurance agent doesn't know what he is talking about if he even brought up an EV charger. Maverick is not an EV.

 

[Cherokee]

Yeah name and shame that insurance company because that is absurd.

My 2025 Lariat AWD Hybrid costs less to insure ($7/mo) than my 2024 Honda Civic 1.5T cost, I pay $600 for the year.

Erie Insurance Company.

I also insure with Erie, my agent said no extra charges for hybrids.
Best insurance company I’ve ever had on all points.

 

[ShadowBlack XL440]

You're welcome

 

[ctag]

Should I instead try to clue them in that forums are for discussions and to wish them good luck with their immutable library of Alexandria project?

 

[710-oil-614]

So EVERY insurance policy from every company in every state is exactly the same? NO.
" In Virginia, a base homeowner's insurance policy likely will not cover an EV charger specifically. While the policy might cover damage to the property caused by the charger, it usually doesn't include the charger itself as a covered item. Homeowners in Virginia with EV chargers should check with their insurance company to see if they need additional coverage for the charger, as it may be a valuable asset. " Why would insurance companies insure every possible item anyone could own for ALL clients. He did not say they will NOT insure it just that you have to add a rider to the policy. Same as if you have more tools or other items than the standard contents clause would cover they add a rider to the policy.

That is not the same as a hybrid vehicle that is addressing an EV charger. Which it said the policy would still cover damages to the structure but not the EV charger itself.

I guess I’m out of $400 for my Tesla wall charger. Oh well.

 

[JetFixxxer]

If the Mav didn't have the Hybrid I wouldn't have purchased it. I had a F-150 3.5EB with a 36 gallon tank. I went from avg of $300 a month for fuel to an avg of $140. The cost of oil change are about the same. As far as the cost of maintenance between the F150 and the Mav. I'm going say it's about even as I purchased the 10yr/100k ESP which cost me about $1500. I spent around that on my F150 with new tires and some minor things.

But boy do I miss that dual turbo EB when I drop the hammer.

 

[JetFixxxer]

Again SONNY I don't need a lesson! I spent 9 months researching the pros and cons of the hybrid and I DO NOT WANT ONE. I know how it works. 3.93 GPA in Electrical Engineering and happily retired after 47 years applying the technology.

Tell us how you really feel about a Hybrid

 

[710-oil-614]

Are you in Virginia? What is the law in your state? I am just advising people to read their policies. Not everything is covered automatically.

You initially claimed that your insurance would charge you more because you owned a hybrid.

Then you quoted something about EV chargers not being covered.

Those two aren’t the same. Regardless I’ve owned multiple hybrids and an EV and had multiple insurance companies over that time and not one asked me or charged more for home insurance because I had a hybrid or EV which they were also insuring.

Now, I don’t doubt it may be different in VA but you haven’t provided any evidence that it is for the claim that you made.

 

[JetFixxxer]

https://www.caranddriver.com/car-insurance/a35292907/are-hybrids-more-expensive-to-insure/

When was the article written? Everything in the article in my case hasn't' been true. My insurance hasn't gone up, initial cost has been relative, and the hybrid system is covered under warranty for 8years / 100k.

 

[UTAlumnus]

I drove both. But I didn't like the hybrid. I am old and didn't want to learn a new system and the maintenance etc. Until we run out of dead dinosaur blood I will drive an ICE. My Lariat is AWD.

There is no added maintenance unless I've missed something. I drove a hybrid Camry for 16 years before buying the Maverick. Changed the oil & rotated the tires. The only hybrid related expense was that Toyota didn't set the battery overheat warning low enough when the cooling fan failed, damaging the battery due to overheating. If the overheat warning had been set right, it would have had the original batteries (hybrid & 12V) today. It still had the original 12V battery & brake pads when I traded it.

 

[NedF]

I'm 71, drive like I'm 71, and really enjoy my 25 Lariat AWD Hybrid. I don't recall any learning curve when starting out with it. I considered getting a 100% ice maverick. I just wanted a small truck for ease of driving & parking with the ability to throw stuff in the back. A hybrid or an ICE are both fine as far as I'm concerned. I know that I'm probably not saving a penny in the long run by owning a hybrid, but it feels good to only fill up every other week or so. It's just a feel-good thing for me, like my Ram 1500 4x4 was when the Hemi was humming and I had the rear window slid open and stepped on the gas to enter freeway. I'm not a hybrid zealot or a car zealot either. But for right now, I enjoy my hybrid trucklet. Hope ya'll are happy with whatever you bought!

"...feels good to only fill up every other week or so..." - You must drive a lot!

I used to fill my 3.6L SUV up weekly and after getting the Hybrid Maverick it went to once a month while commuting the same distance weekly. Now that I am retired, I expect to be stretching that to once every 5-6 weeks.

 

[JetFixxxer]

So did you ASK if the insurance would be the same for an EB? NO because you didn't buy an EB. I bet you never sat down with the agent to review your insurance needs. This is not to say you are wrong just that most people don;t ASK what the difference is cost is since they are only concerned about the one they bought. The warranty does not cover accidents or theft.

I did ask because this was a concern of mine as I read that the cost of hybrid cost more. People also don't know you have to change your value of your house when renewing your home owners.

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