1996 Ford Bronco Car Insurance Rates

Finding better rates for auto insurance can seem to be nearly impossible for people who are new to shopping for insurance online. Drivers have so many options available that it can quickly become a real hassle to find lower rates.

Consumers should take time to do rate comparisons once or twice a year because rates are variable and change quite frequently. Even if you think you had the best deal for Bronco coverage six months ago you may be paying too much now. You can find a lot of misleading information regarding auto insurance online, so with this article, you’re going to get a bunch of ideas how to find cheap auto insurance.

If you currently have car insurance, you should be able to cut costs considerably using this information. This information will familiarize you with how to effectively get price quotes and some money-saving tips. But drivers must learn the way insurance companies price online insurance and use this information to your advantage.

Car Insurance Comparisons

To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. The fastest way to find the cheapest 1996 Ford Bronco insurance rates involves getting comparison quotes online. This can be done in a couple of different ways.

  1. The best way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating separate quote forms for every car insurance company. Just one form gets you coverage quotes direct from many companies. This is by far the quickest method.
  2. A less efficient way to compare prices is going to each company’s website to request a price quote. For examples sake, we’ll pretend you want comparison quotes from USAA, Progressive and Allstate. To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended method of comparing rate quotes is to spend time driving to local insurance agencies. The internet has reduced the need for local agents unless you have a need for the personal advice that only a license agent can provide. You can, however, obtain prices from the web but still have the advice of a local agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples coverages and limits for every company. If you are comparing different values for each quote it will be next to impossible to decipher which rate is best. Quoting even small variations in limits may result in a large different in cost. And when comparing car insurance rates, know that quoting more helps locate the best price.

Are you getting all your discounts?

Companies don’t always list all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden ways to save on car insurance.

  • Driver Safety – Completing a course in driver safety could save 5% or more depending on where you live.
  • Multiple Policy Discount – If you have multiple policies with the same company you will save at least 10% off all policies.
  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount for Bronco coverage with certain companies.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurers offering car insurance discounts, follow this link.

When might I need an agent?

When it comes to buying the best insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if you might need professional guidance.

  • Who is covered by my policy?
  • Is a fancy paint job covered?
  • When should I buy a commercial auto policy?
  • Why does it cost so much to insure a teen driver?
  • What is high-risk coverage and where do I buy it?
  • Why am I required to get a high-risk car insurance policy?
  • Should I bundle my homeowners policy with my auto?
  • Is my cargo covered for damage or theft?
  • When can I cancel my policy?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.

Specifics of your insurance policy

Having a good grasp of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability coverages – This provides protection from damage or injury you incur to people or other property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like repair costs for stationary objects, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, crashing into a ditch and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like rock chips in glass, hitting a bird, theft and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses such as nursing services, doctor visits, hospital visits, ambulance fees and X-ray expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Buy Smart and Save

You just read a lot of techniques to lower your 1996 Ford Bronco insurance rates. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a small mutual company.

People leave their current company for a number of reasons such as delays in responding to claim requests, questionable increases in premium, policy non-renewal or policy cancellation. No matter why you want to switch, switching insurance coverage companies is pretty easy and you might even save some money in the process.

When you buy insurance online, make sure you don’t buy poor coverage just to save money. There have been many cases where drivers have reduced physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.

More detailed insurance coverage information can be found in these articles: