1993 Ford Bronco Insurance Quotes – 6 Savings Tips

Tired of not being able to scrape enough together to pay your car insurance bill each month? You have the same problem as the majority of other consumers. Multiple auto insurance companies compete for your insurance dollar, so it can be very hard to choose a insurer to find the lowest price

The most recommended method to compare rates takes advantage of the fact most of the bigger providers participate in a system to give rate comparisons. The only thing you need to do is give them some information like if you require a SR-22, if you lease or own, level of coverage desired, and marital status. The data is then submitted to multiple top-rated companies and you will get price comparisons quickly.

To start a rate quote now, click here and enter your zip code.

Do you qualify for these six discounts?

Car insurance is not an enjoyable expense, but there could be available discounts that you may not know about. A few discounts will be applied at the time of quoting, but occassionally some discounts must be inquired about before you get the savings. If you are not receiving all the discounts available, you are not getting the best rate possible.

  • College Student – Kids who are enrolled in a college that is more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
  • Good Grades Discount – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Telematics Data – Policyholders that allow their car insurance company to track when and where they use their vehicle through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they exhibit good driving behavior.
  • Own a Home and Save – Owning a house may trigger a policy discount on car insurance because owning a home is proof of financial responsibility.
  • Include Life Insurance and Save – Larger insurance companies have a break if you buy life insurance.
  • Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems can get savings of 25 to 30%.

You should keep in mind that some of the credits will not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way.

Large car insurance companies and some of the discounts are:

  • State Farm may have discounts that include anti-theft, good driver, defensive driving training, driver’s education, safe vehicle, Drive Safe & Save, and Steer Clear safe driver discount.
  • GEICO offers discounts for driver training, multi-policy, federal employee, good student, and multi-vehicle.
  • Liberty Mutual offers discounts including newly married, exclusive group savings, preferred payment discount, teen driver discount, and good student.
  • The Hartford offers premium reductions for defensive driver, good student, anti-theft, air bag, and vehicle fuel type.
  • MetLife has discounts for defensive driver, multi-policy, claim-free, good student, and good driver.
  • Progressive discounts include good student, continuous coverage, multi-policy, online quote discount, and online signing.

Before purchasing a policy, check with each insurance company how you can save money. Depending on the company, some discounts might not be offered in your area. To see companies with the best car insurance discounts, click here to view.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover whether or not you might need professional guidance.

  • Can I afford low physical damage deductibles?
  • What are the financial responsibility laws in my state?
  • Can my babysitter drive my car?
  • What if I owe more than I can insure my car for?
  • Should I carry comprehensive and collision coverage?
  • I have a DUI can I still get coverage?
  • Is upholstery damage covered by car insurance?
  • What discounts do I qualify for?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Coverages available on your car insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average car insurance policy.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hail damage, rock chips in glass, hitting a deer, fire damage and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. Liability coverage has 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 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like repair bills for other people’s vehicles, bail bonds, emergency aid and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, sideswiping another vehicle, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses such as EMT expenses, pain medications and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Ford Bronco.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comments About 1993 Ford Bronco Insurance

  1. Brook Navarro

    Hope my rates come down. I’m just east of Charleston, West Virginia. Compared rates from a lot of places. Saved roughly $20 a month. Allstate was the best choice for me. Was with Liberty Mutual. Next renewal I’ll just do liability.

  2. Emil Le

    IT’S ALL TOO EXPENSIVE! Got a quote with Safeco for my 1993 Ford Bronco and saved about $70 a year. I’m a pretty good driver though. Just go online and compare their rates. I don’t insure for physical damage though.

  3. Ria Barrett

    I found affordable 1993 Ford Bronco insurance from State Farm in Paterson, NJ.

  4. Florencio Gentry

    Found cheapest coverage with Sentry for my Bronco and cut my rates about $80 a year. Have an at-fault accident tho. I used their website to get prices. I only have liability coverage on it.

  5. Lucas Hodge

    I’m in the north part of Cedar Rapids, IA. Received prices from Allstate, Amica, and Encompass for my Bronco and saved just over $60 a year. Left Auto-Owners to switch. I don’t insure for physical damage though.

  6. Arianne Morton

    Located in Norman, Oklahoma. Compared rates from a lot of places. Saved darn near $30 a month. 21st Century was the cheapest for me. Full coverage costs too much.

  7. Whitley Fuller

    Well-written and thought out article. I’m in the east part of Mobile, Alabama. I got free prices from GMAC, Auto-Owners, MetLife, and a couple others for my Ford and saved $75 a year. BTW speeding tickets are not good. Anyone else drop full coverage?