1992 Ford Bronco Car Insurance Quotes – 8 Tips for Cheaper Rates

Trying to find better auto insurance rates for your Ford Bronco? Being forced to pay for overpriced auto insurance premiums can deplete your family’s budget and make it tough to pay other bills. Comparing price quotes is a smart way to ensure you are getting the best deal.

You have multiple car insurance companies to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to find the lowest cost provider.

You need to get comparison quotes quite often because insurance prices are adjusted regularly by insurance companies. If you had the lowest rates for Bronco insurance on your last policy the chances are good that you can find a lower rate quote today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the only way to get good coverage at a lower rate.

Drivers save money with these eight money-saving discounts

Buying car insurance is not cheap, but you might find some hidden discounts to help bring down the price. A few discounts will be applied when you get a quote, but lesser-known reductions have to be specifically requested prior to getting the savings.

• Low Mileage Discounts – Keeping the miles down on your Ford can qualify you for lower premium rates on the low mileage vehicles.
• Multiple Policy Discount – If you can combine your auto and home policy and insure them with the same company you could earn a discount of at least 10% off all policies.
• Early Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
• Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off PIP or medical payments premium.
• Auto/Life Discount – Some companies give a break if you buy life insurance.
• Passenger Safety Discount – Factory air bags or motorized seat belts can get savings of more than 20%.
• Good Student – Being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.

As a footnote on discounts, most discount credits are not given the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you’re out of luck. But any discount will cut the amount you have to pay.

The best car insurance companies and a selection of discounts are included below.

• Farm Bureau may offer discounts for good student, safe driver, multi-policy, 55 and retired, renewal discount, driver training, and youthful driver.
• MetLife includes discounts for claim-free, multi-policy, good driver, defensive driver, accident-free, and good student.
• Progressive may have discounts that include online quote discount, homeowner, online signing, good student, multi-policy, and multi-vehicle.
• AAA may include discounts for pay-in-full, education and occupation, anti-theft, good driver, multi-policy, multi-car, and good student.
• American Family discounts include multi-vehicle, accident-free, early bird, TimeAway discount, bundled insurance, Steer into Savings, and good student.
• Geico policyholders can earn discounts including anti-theft, five-year accident-free, military active duty, multi-policy, good student, and seat belt use.
• State Farm has discounts for good driver, defensive driving training, good student, student away at school, anti-theft, and driver’s education.

When comparing rates, check with each company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders everywhere. If you would like to see a list of companies that offer multiple discounts, click here.

Do I need special coverages?

When buying coverage, there really is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

• What can I do if my company denied a claim?
• Can I afford to buy a different vehicle if my 1992 Ford Bronco is totaled?
• I have good health insurance, so how much medical payments coverage do I need?
• What is covered by UM/UIM coverage?
• Why does it cost so much to insure a teen driver?
• Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Do insurance companies bend the truth?

Respected companies like Progressive, Allstate and Geico consistently run ads on television and other media. They all seem to make the same claim that drivers can save some big amount just by moving your coverage. It sounds good, but how can they all give you a lower rate? This is the way they can do it.

Insurance companies are able to cherry pick for the type of driver that will generate a profit. For example, a profitable risk profile might be described as over the age of 50, has a clean driving record, and has great credit. Anyone who matches that profile will probably get cheap rates and most likely will cut their rates substantially.

Potential customers who do not fit these criteria may be required to pay a higher rate with the end result being the customer not purchasing. The wording the ads use say “drivers that switch” not “everyone that quotes” will save that much if they switch. This is how insurance companies can make the claims of big savings.

Different companies use different criteria so you should quote coverage with many companies. Because you never know with any certainty which company will have the best car insurance rates for your profile.

Detailed coverages of your insurance policy

Having a good grasp of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Liability coverages

This can cover damage or injury you incur to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits 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 property damage coverage for $25,000. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as legal defense fees, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like chiropractic care, pain medications and funeral costs. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance will pay to fix damage to your Bronco resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, falling objects, theft and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Shop around and save

Cheaper 1992 Ford Bronco insurance can be purchased from both online companies and also from your neighborhood agents, so you need to quote car insurance with both in order to have the best price selection to choose from. A few companies do not offer online price quotes and many times these small insurance companies work with independent agents.

When searching for inexpensive car insurance quotes, it’s not a good idea to skimp on coverage in order to save money. In many cases, an insured dropped uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your focus should be to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Even more information can be found in these articles:

• Older Driver Statistics (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Information for Teen Drivers (Geico)
• Auto Insurance 101 (About.com)
• Things to Know Before you Cancel Insurance (Allstate)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)