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Old 02-04-2013, 09:00 PM   #1
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Rubicon vs. Sport - real cost difference

I need to replace my 2 door with a 4 door and was doing a little playing around. Part of me just wants the cheapest one I can get, lower payments and/or pay it off sooner. On the other hand, the Rubi has a fairly ridiculous amount of awesome equipment. How much more is the Rubi, really?


USAA on a mid-level Rubi unlimited is about 2.5k below MSRP, say 34k for a vehicle that cost 37k. USAA on a no-option sport unlimited is about 1k below MSRP.

Now, KBB trade-in values on an 07 Sport Unlimited were about $4k less than a Rubi unlimited.

The difference in MSRP is about 8k. With the Rubi Unlimited, figuring you'll get 4k more back with the trade and do 2k better on the price relative to MSRP, that's 6k. So come trade-in time you're out 2k with the Rubi over 5 or 6 years.

Now you do need to finance 6k more with the Rubi, right now Pentagon Fed is 1.49% for 60 months, or $200 in interest over the life of the loan. So, opportunity costs aside, the difference to me total is roughly $2200 - the 2k at trade-in time plus the out of pocket interest.

Assuming the payments don't cause me a short-term cash flow problem ... why would I get a Sport? Edit: By which I mean - does this analysis make sense to you? Not knocking the Sport, just having a hard time seeing the real savings.

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Old 02-04-2013, 09:23 PM   #2
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I'm drinking, so I can't follow the math but it sounds like you've rationalized a Rubi. I guess it depends on what you're using her for and how long you plan to keep her. Either way, congrats on using objective figures on deciding.

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Old 02-04-2013, 09:29 PM   #3
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aren't we faced with these choices everyday? i can go to the store and buy a name brand product or the generic. can i afford both? sure but do i care? but if you buy the best every time and don't even need it that will be foolish. for me it came down to what do i need the vehicle to do. in my case; what its replacing. so my choice was clear. i never intended on wheeling therefor i didn't buy a rubi.
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Old 02-04-2013, 09:39 PM   #4
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aren't we faced with these choices everyday? i can go to the store and buy a name brand product or the generic. can i afford both? sure but do i care? but if you buy the best every time and don't even need it that will be foolish. for me it came down to what do i need the vehicle to do. in my case; what its replacing. so my choice was clear. i never intended on wheeling therefor i didn't buy a rubi.
Right - no, totally. Sorry, I wasn't completely clear, the Rubi hardware has practical value to me (at least arguably). I would have at least changed out the stock Sport tires too, figure there's a grand right there. I agree that there are plenty of people who have absolutely no reason to own a Rubi and it would be foolish for them to buy one. Not where I was going. I just wanted to really nail down the cost differences.
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Old 02-04-2013, 09:42 PM   #5
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Sounds like you've already made up your mind. Go with the Rubi. You won't regret it. But you may regret if if you don't.
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Old 02-04-2013, 09:42 PM   #6
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For us the choice came down to wanting to do something completely different. All the vehicles we've owned in the last 10 years have had every bell and whistle offered. Getting the crank windows in the wrangler and never ever locking it for fear of anything being stolen or screwed with as been awesome!

Simplifying in that regard has been very refreshing and fun. We are starting to understand the lifestyle angle of the Jeep.
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Old 02-04-2013, 09:47 PM   #7
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I guess my point was that the difference in MSRP kind of makes you think no effin way for the Rubi at first. But if you consider residual value, bigger USAA discount on the Rubi, and very little in interest charges, it really isn't that bad.

Yes I am rationalizing!
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Old 02-04-2013, 09:48 PM   #8
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I have a basic sport jku if I had to do it over I would spend the extra coin just to get the dana 44 front and lockers. these are two things that are not so easy to upgrade on the sport. You can get bigger tires and lift etc but a replacement front axle is spendy. I doubt I will ever even be in a situation where I would need those upgrades but sure would be nice to know I did have them if needed.
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Old 02-04-2013, 09:50 PM   #9
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For us the choice came down to wanting to do something completely different. All the vehicles we've owned in the last 10 years have had every bell and whistle offered. Getting the crank windows in the wrangler and never ever locking it for fear of anything being stolen or screwed with as been awesome!

Simplifying in that regard has been very refreshing and fun. We are starting to understand the lifestyle angle of the Jeep.
Dude I so get that. I really do. It's funny but even with all the rationalizing there is this certain appeal to a bare bones Jeep. I always had work trucks with rubber floor mats, crank windows, and floor shifted 4x4. I wish there was a low-end with the Rubi hardware and nothing else, maybe even a lined tub instead of carpet.
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Old 02-04-2013, 09:51 PM   #10
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I have a basic sport jku if I had to do it over I would spend the extra coin just to get the dana 44 front and lockers. these are two things that are not so easy to upgrade on the sport. You can get bigger tires and lift etc but a replacement front axle is spendy. I doubt I will ever even be in a situation where I would need those upgrades but sure would be nice to know I did have them if needed.
Aren't you getting a 2 door soon? Thought you were the guy I briefly discussed trading with.
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Old 02-04-2013, 09:53 PM   #11
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Does it matter, your over thinking this.


Its a 4x4 buy it for what your using it for its not an investment there are better markets for that...

Not being rude lol, figure out what's important to you and if your not wheeling hard then a sport may be right for you, buy a used set of tires off Craigslist.
If you want to wheel harder buy a Rubicon, if your like me then buy a base or mid line and slap a bunch of money and time at it then break it and repeat....
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Old 02-04-2013, 09:54 PM   #12
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Aren't you getting a 2 door soon? Thought you were the guy I briefly discussed trading with.
yes that is me, but I have yet to go and see how bad the hosing will be. I hate having to get into the car dealing mode. My wife says I turn into an arsehole lol.
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Old 02-04-2013, 09:54 PM   #13
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Does it matter, your over thinking this.


Its a 4x4 buy it for what your using it for its not an investment there are better markets for that...
I think a lot of people would have more money left over for investing if they thought their major purchases through more completely than they do.
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Old 02-04-2013, 09:54 PM   #14
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I'm not sure if anyone really answered the question. It seems to me forgetting about trade in... The difference is about 4k give or take. If anybody has any other numbers please chime in.
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Old 02-04-2013, 09:55 PM   #15
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so the question is, do you want to spend $2200 more for a D44 front axle, lockers, elec sway discos?

Do you currently have the 2 door Sport or Rubi?
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Old 02-04-2013, 09:56 PM   #16
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yes that is me, but I have yet to go and see how bad the hosing will be. I hate having to get into the car dealing mode. My wife says I turn into an arsehole lol.
Dude I have spent the last month or so looking myself in the mirror every day going "your Jeep is awesome but you were an idiot for getting a two door." Then, when I'm done, my fiance looks at me and says "you were an idiot for getting the two door." Then I call and talk to my brother and he says "why didn't you just get the four door the first time around?"

As you can see, everyone in my family is so helpful.
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Old 02-04-2013, 09:58 PM   #17
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so the question is, do you want to spend $2200 more for a D44 front axle, lockers, elec sway discos?

Do you currently have the 2 door Sport or Rubi?
2 door Rubi. Love it. Love love love it. Honestly it's not even the space so much as the towing capacity, I really want a travel trailer. The idea of going camping somewhere, locking the (maybe add-on half) doors in the trailer and going cruising through the woods really sings to me.
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Old 02-04-2013, 10:01 PM   #18
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2 door Rubi. Love it. Love love love it. Honestly it's not even the space so much as the towing capacity, I really want a travel trailer. The idea of going camping somewhere, locking the (maybe add-on half) doors in the trailer and going cruising through the woods really sings to me.
well, there's another option you'll need to add on to the Sport. Tow package.
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Old 02-04-2013, 10:02 PM   #19
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I think a lot of people would have more money left over for investing if they thought their major purchases through more completely than they do.
A jeep is a lifestyle, its a Lego for adults and like a boat it can be a money pit. If saving money is the name of the game and thinking about there major purchases more thoroughly then the rising price of gas should come into play and a Prius or a hybrid should be right there...possibly leaving less of a carbon footprint on the planet etc....

Just in gas especially of you drive a lot could be used to invest, a jeep is a toy....a Lego for adults...

Just my .02

Added: I know buying a new vehicle is fun and chatting it up is even more so fun to making the right decision with no regret so I understand where your coming from.

Either way its a jeep have fun with it, I don't buy jeeps for resell, hell I dent em, break em and go places only jeeps and buggies go....but I've had a lot in the past and off road race trucks, firm believer in my intended purpose....

Congrats on it when you get it.
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Old 02-04-2013, 10:04 PM   #20
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well, there's another option you'll need to add on to the Sport. Tow package.
Yup.

I think it's settled. When I first posted I hadn't even really thought about the tow package or replacing the Sport tires. I think for me the cost benefits of the Sport are really past the point of diminishing returns.
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Old 02-04-2013, 10:05 PM   #21
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Well....you know what all the women say......................

























Once you go Rubi you never want to go back
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Old 02-04-2013, 10:06 PM   #22
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Just in gas especially of you drive a lot could be used to invest, a jeep is a toy....a Lego for adults...

Just my .02
true... and a bicycle can be looked upon as a toy for kids. But some people commute to work on their bikes.

And remember the saying, "All work and no play..." sometimes you need to write off the piss poor MPG and invest in the SPG. (smiles per gallon!)
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Old 02-04-2013, 10:07 PM   #23
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I believe it is about a $2,800 difference.
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2013 Rubicon Commando 2 door 4" Teraflex 37" BFG.....
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Old 02-04-2013, 10:07 PM   #24
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A jeep is a lifestyle, its a Lego for adults and like a boat it can be a money pit. If saving money is the name of the game and thinking about there major purchases more thoroughly then the rising price of gas should come into play and a Prius or a hybrid should be right there...possibly leaving less of a carbon footprint on the planet etc....

Just in gas especially of you drive a lot could be used to invest, a jeep is a toy....a Lego for adults...

Just my .02
Sure, but it's a toy that can get you back and forth to work. I am not even remotely considering anything other than real 4x4s. I spend every free weekend in the woods somewhere, the further back the better.

It's certainly not an investment, but I think it does make sense to nail down the real costs before you make a decision.
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Old 02-04-2013, 10:09 PM   #25
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I believe it is about a $2,800 difference.
Yeah I did the calculations with 3k difference USAA to MSRP but then edited to 2.5k but forgot to update the calculations. There were some very ballparkish numbers in the first post but if the methodology makes sense then I think the numbers are close enough for my purposes. As long as I'm not forgetting some major factor I should be considering, that is.
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Old 02-04-2013, 10:13 PM   #26
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true... and a bicycle can be looked upon as a toy for kids. But some people commute to work on their bikes.

And remember the saying, "All work and no play..." sometimes you need to write off the piss poor MPG and invest in the SPG. (smiles per gallon!)
I'll have to remember the SPG lol that's good...

Bicycle point I ride a pivot phoenix race dh and free ride as well as a m9 I sold and yet I put a different tire on them and ride road with them to train on what I race as well as commute...my builds are extremely pricey and i f it weren't for sponsors and industry I wouldn't pay for their worth...!

Yes my wife thinks bikes are for kids lol. (A lot of guys I ride with are 35+ and do big drops and jumps too)

Yes I understand the cost and wanting to know where your moneys going....so good luck and look forward to seeing your new purchase.
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Old 02-04-2013, 10:14 PM   #27
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Yeah I did the calculations with 3k difference USAA to MSRP but then edited to 2.5k but forgot to update the calculations. There were some very ballparkish numbers in the first post but if the methodology makes sense then I think the numbers are close enough for my purposes. As long as I'm not forgetting some major factor I should be considering, that is.
It was about $2,300 difference on our 2010. The remote start back in 2010 was 200....and now it is at 500.....sticker price that is.
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2011 Rubicon Flame Red Unlimited.........(Gone)
2013 Rubicon Deep Cherry Red JKU 3" 35's.....
2013 Rubicon Commando 2 door (Gone)
2013 Rubicon Commando 2 door 4" Teraflex 37" BFG.....
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Old 02-04-2013, 10:15 PM   #28
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I'll have to remember the SPG lol that's good...

Bicycle point I ride a pivot phoenix race dh and free ride as well as a m9 I sold and yet I put a different tire on them and ride road with them to train on what I race as well as commute...my builds are extremely pricey and i f it weren't for sponsors and industry I wouldn't pay for their worth...!

Yes my wife thinks bikes are for kids lol. (A lot of guys I ride with are 35+ and do big drops and jumps too)
who's your sponsors?
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Old 02-04-2013, 10:16 PM   #29
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It was about $2,300 difference on our 2010. The remote start back in 2010 was 200....and now it is at 500.....sticker price that is.
So did you go through kind of a similar analysis when you bought yours?
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Old 02-04-2013, 10:44 PM   #30
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Another thing to consider is that if you get a Sport and then wind up doing a bunch of mods, your insurance isn't going to cover them. Mine didn't before my '99 was stolen and I didn't want to be in that spot again. So, partly for that reason I bought the Rubi.

And also, I should mention that I found a Rubi that had been sitting on the dealer lot for a really long time so they REALLY wanted to get rid of it. I think that the color (deep red) hasn't been very popular in Kalifornia. I wound up getting it for WAY below invoice. If you could find a Rubi that's been sitting, you might be able to put your rationalizing mind to rest OTOH, you could also possibly find a Sport that needs to be moved, too (shh!!! don't tell yourself!!!) Best of luck!

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