1996 Ford Bronco Car Insurance Quotes

Trying to find lower car insurance rates for your Ford Bronco? When shopping for lower-priced insurance, are you confused by the number of car insurance companies that you can choose from? Many other drivers are too. There are so many choices that it can be a challenge to find better rates.

Compare insurance rates

There are a variety of methods you can shop for insurance and some are more efficient than others. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could save time and use the web to maximize your effort.

Many popular insurance companies participate in a marketplace that enables customers to complete one form, and every company can provide price quotes based on the submitted data. This eliminates the need for form submissions for every insurance company. To find out what other companies charge click here to open in new window.

The only downside to doing it this way is you cannot specify the insurers to receive prices from. So if you want to select individual companies to compare prices, we have a page of low cost insurance companies in your area. Click to view list.

The method you choose is up to you, but make darn sure you compare the same coverages for each quote you get. If you enter different liability limits you will not be able to determine which company has the best rates. Having just a slight variation in insurance coverages could skew the results. And when quoting insurance, remember that quoting more helps increase your odds of locating the best price.

But the ad said I’d save 15% in 15 minutes!

Well-known auto insurance companies like State Farm, Geico and Progressive consistently run ads on TV and radio. All the companies state the claim about savings if you switch your policy. How can each company lower your premium rates? Just pay attention to how they say it.

Most companies provide the lowest rates for the type of driver that earns them the most money. An example of this type of driver might have to be between the ages of 30 and 50, has a clean driving record, and the vehicle is rated for pleasure use. Any customer that meets those criteria will probably get cheap prices and is almost guaranteed to save some money.

Potential insureds who may not quite match those criteria will have to pay a higher rate and ends up with the driver buying from a lower-cost company. The trick is to say “customers that switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can confidently claim big savings. Because of these techniques, you really need to get as many free auto insurance quotes as possible. It is impossible to predict with any certainty which company will be your best fit.

Why smart buyers pay less for Ford Bronco insurance

It’s important that you understand some of the elements that help determine insurance rates. If you have a feel for what determines base rates, this enables informed choices that may reward you with lower premium levels. Many things are used in the calculation when you get your auto insurance bill. Some are obvious like an MVR report, but others are not as apparent like your vehicle usage or your commute time.

  • Where you live – Having an address in smaller towns and rural areas of the country has definite advantages if you are looking for the lowest rates. Residents of big cities have to deal with traffic congestion and more time behind the wheel. Fewer drivers means less chance of accidents.
  • Liability coverage limits should be high – Your policy’s liability coverage will provide protection in the event that a jury decides you are liable for personal injury or accident damage. It provides legal defense coverage starting from day one. Liability insurance is pretty cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Lower rates for vehicles with better crash test results – Safer cars get lower rates. Highly rated vehicles protect occupants better and reduced instances of injuries means less money paid by your insurance company passed on to you as lower rates. If your Ford Bronco is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Pay more of a claim out-of-pocket – Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. A few examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and burglary. The deductibles are the amount of money the insured will be required to pay if you file a covered claim. The more expense the insured is willing to pay, the less your insurance will be for Bronco insurance.
  • Getting married can save on insurance – Walking down the aisle may cut your premiums on your policy. Having a significant other is viewed as being more responsible and insurance companies like that married drivers tend to file fewer claims.
  • Premiums are affected by your credit score – Having a bad credit score is a large factor in determining what you pay. If your credit is lower than you’d like, you could be paying less to insure your 1996 Ford Bronco if you clean up your credit. Drivers who have good credit tend to be better risks to insure than those with poor credit scores.
  • High policy claims frequency drives up prices – Car insurance companies give lower rates to insureds who do not file claims often. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.

Find hidden discounts to get affordable insurance quotes

Some insurance providers don’t always publicize their entire list of discounts very clearly, so the following is a list of a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

  • Payment Method – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
  • Policy Bundle Discount – If you insure your home and vehicles and insure them both with the same insurance company you may save as much as 10 to 15 percent.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts could see savings as much as 30%.
  • Distant Student – who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
  • Discounts for Responsible Drivers – Drivers without accidents may receive a discount up to 45% for Bronco insurance than less cautious drivers.
  • Telematics Discount – Drivers who elect to allow their insurance company to spy on when and where they use their vehicle by using a small device installed in their vehicle like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle up may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle can cost up to 25% less since newer models have better safety ratings.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, insurance companies aren’t that generous.

The best insurance companies and their offered discounts are:

  • Geico has discounts for five-year accident-free, emergency military deployment, air bags, defensive driver, driver training, and federal employee.
  • Mercury Insurance discounts include multi-car, good driver, low natural disaster claims, type of vehicle, good student, anti-theft, and accident-free.
  • Farmers Insurance may have discounts that include switch companies, alternative fuel, teen driver, youthful driver, and multi-car.
  • Auto-Owners Insurance offers premium reductions for air bags, safe driver, safe vehicle, good student, and teen driver.
  • Liberty Mutual has savings for new move discount, good student, safety features, new graduate, and new vehicle discount.
  • SAFECO includes discounts for anti-theft, accident prevention training, safe driver, homeowner, drive less, teen safety rewards, and multi-car.
  • Progressive policyholders can earn discounts including multi-policy, online signing, online quote discount, multi-vehicle, and continuous coverage.
  • USAA may include discounts for multi-vehicle, defensive driver, safe driver, new vehicle, loyalty savings, and driver training.

When quoting, ask every insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not be offered in your state. To choose insurance companies that can offer you the previously mentioned discounts, click here.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • Do I need special endorsements for business use of my vehicle?
  • How high should my medical payments coverage be?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered when pulling a rental trailer?
  • Should I buy only the required minimum liability coverage?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Auto insurance coverages

Understanding the coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses like surgery, ambulance fees, doctor visits, pain medications and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The most 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages

This coverage protects you from damage that occurs to other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as pain and suffering, attorney fees, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Smart shoppers get results

You just learned a lot of ways to get a better price on 1996 Ford Bronco insurance. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small local company.

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone dropped collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

Drivers switch companies for a variety of reasons including policy cancellation, poor customer service, policy non-renewal or even being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

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