1995 Ford Bronco Car Insurance Rates – 10 Ideas for Best Quotes

Scraping up a payment for high-priced Ford Bronco insurance can stress out your bank account and make it tough to pay other bills. Comparing rates annually can save money and help to tighten up your finances.

You have multiple car insurance companies to pick from, and though it is a good thing to have a selection, lots of choices makes it harder to locate the cheapest rates.

Where can I get affordable insurance?

Performing a rate comparison can take time and effort if you don’t know the easiest way. You can waste hours talking to insurance companies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each participating company returns a competitive quote based on the submitted data. This eliminates the need for quotation requests for each company.

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One minor caviat to comparing rates this way is that you can’t choose which insurance companies you want pricing from. If you wish to select individual companies for rate comparison, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverage limits with each company. If each company quotes different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.

Save $410 a year! What?

Consumers can’t get away from all the ads for cheaper insurance from the likes of Allstate and Progressive. All the companies make the same claim of big savings after switching your coverage.

That’s great but how can every company say the same thing? Here is the trick they use.

Insurance companies have an ideal profile for a prospective insured that will generate a profit. One example of this type of insured may need to be over age 30, insures multiple vehicles, and has a high credit rating. Any new insured that matches those criteria will get low car insurance rates and therefore will save quite a bit of money when switching.

Insureds who don’t meet those criteria may be required to pay higher premium rates which usually ends up with the customer buying from someone else. If you pay close attention to the ads, they say “drivers who switch” but not “all drivers who get quotes” save that much when switching. That’s why insurance companies can lure you into getting a quote. Because of the profiling, you absolutely need to compare quotes as often as possible. It’s just not possible to know which company will have the lowest prices for your situation.

Find hidden discounts to get affordable auto insurance rates

Insuring your vehicles can cost a lot, but you might find some hidden discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time of purchase, but some must be asked about in order for you to get them. If you do not check that you are getting every discount possible, you could be saving more on your auto insurance.

  • Military Rewards – Being deployed in the military could be rewarded with lower rates.
  • Smart Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • Low Mileage – Fewer annual miles on your Ford can qualify you for slightly better prices than normal.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out some life insurance too.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts of 25 to 30%.
  • Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts can save up to 15% off PIP or medical payments premium.
  • Drive Safe and Save – Accident-free drivers can pay as much as 50% less for Bronco coverage than their less cautious counterparts.
  • No Charge for an Accident – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident before your rates go up so long as you are claim-free for a set time period.
  • No Claims – Drivers who don’t have accidents can save substantially when compared to frequent claim filers.
  • Senior Citizen Discount – Drivers over the age of 55 are able to get a discount up to 10% for Bronco coverage.

One thing to note about discounts is that most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic.

If you would like to view auto insurance companies that have a full spectrum of discounts, click here.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can help discover whether you might need an agent’s assistance.

  • How high should deductibles be on a 1995 Ford Bronco?
  • Does car insurance cover theft of personal property?
  • What is an SR-22 filing?
  • Am I covered when pulling a rental trailer?
  • Is my nanny covered when driving my vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • How much liability insurance is required?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Insurance coverage basics

Knowing the specifics of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like prosthetic devices, funeral costs, surgery and hospital visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, backing into a parked car, driving through your garage door and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability

This coverage protects you from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like funeral expenses, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, fire damage and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Ford Bronco.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Make an honest buck

We’ve covered many ideas to compare 1995 Ford Bronco insurance premium rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding inexpensive auto insurance. You may even find the best premium rates are with the smaller companies. Smaller companies can often provide lower prices in certain areas than their larger competitors like Allstate or State Farm.

Some insurance providers do not provide the ability to get quotes online and many times these regional carriers work with local independent agencies. Cheap 1995 Ford Bronco insurance is attainable online and from local agencies, and you should be comparing both so you have a total pricing picture.

When getting auto insurance quotes online, never reduce needed coverages to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Much more information about insurance coverage is available at the links below