Shoppers have a choice when shopping for the lowest priced Ford Bronco insurance. They can either spend hours calling around to get rate comparisons or use the internet to get rate quotes.
There is a right way and a wrong way to shop for auto insurance and we’ll show you the proper way to get price quotes for a Ford and find the lowest price.
Auto insurance discounts are available to cut your rates
Buying auto insurance is not cheap, but you might find some hidden discounts that could drop your premiums quite a bit. Some trigger automatically at quote time, but a few must be asked for prior to receiving the credit.
- Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off for Bronco insurance with certain companies.
- Active Military Service – Being deployed in the military may lower your premium rates slightly.
- Defensive Driver Discounts – Participating in a defensive driving class could possibly earn you a 5% discount if you qualify.
- Smart Student Discounts – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
- Sign Online – Some insurance companies may give you up to $50 for completing your application digitally online.
- Full Payment Discount – By making one initial payment as opposed to paying monthly you may have a lower total premium amount.
- Driver Education Discount – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
- Auto/Home Discount – When you have multiple policies and place coverage with the same company you may earn as much as 10 to 15 percent.
- Homeowners Savings – Owning your own home or condo can save you money because maintaining a house requires a higher level of personal finance.
You should keep in mind that most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.
The best auto insurance companies and a selection of discounts include:
- Progressive may have discounts that include multi-policy, homeowner, good student, online quote discount, and continuous coverage.
- AAA may include discounts for multi-car, education and occupation, good student, pay-in-full, anti-theft, multi-policy, and AAA membership discount.
- Farmers Insurance offers discounts including switch companies, multi-car, homeowner, mature driver, distant student, business and professional, and youthful driver.
- GEICO may offer discounts for multi-vehicle, emergency military deployment, defensive driver, anti-lock brakes, seat belt use, military active duty, and good student.
- Esurance includes discounts for homeowner, online shopper, online quote, Pac-12 alumni, and DriveSense.
- SAFECO has savings for accident prevention training, drive less, teen safety rewards, anti-theft, anti-lock brakes, multi-car, and safe driver.
- State Farm has discounts for multiple autos, student away at school, good driver, defensive driving training, and safe vehicle.
When getting a coverage quote, ask every prospective company which credits you are entitled to. All car insurance discounts might not be available to policyholders in your area. To choose companies that offer many of these discounts, follow this link.
The coverage is in the details
Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance provide coverage for expenses such as rehabilitation expenses, prosthetic devices, surgery, X-ray expenses and EMT expenses. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Coverage for liability
This coverage can cover damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers things such as attorney fees, structural damage, bail bonds and court costs. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.
Comprehensive auto coverage
This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as theft, a tree branch falling on your vehicle, vandalism and hitting a deer. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision coverage protection
This coverage will pay to fix damage to your Bronco caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like crashing into a building, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Ford Bronco.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
More effort can pay off
When searching for , you should never buy lower coverage limits just to save a few bucks. In too many instances, someone dropped full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.
Some auto insurance companies may not offer price quotes online and many times these small, regional companies prefer to sell through local independent agencies. Low-cost Ford Bronco insurance can be bought on the web and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates.
In this article, we presented many ideas to reduce Ford Bronco insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting . You may even find the best price on auto insurance is with some of the lesser-known companies.
