View 1995 Ford Bronco Car Insurance Quotes

Searching for the cheapest car insurance rates for your Ford Bronco? Have you finally had enough of being strong-armed to pay high car insurance rates every month? You are in the same boat as millions of other consumers. Many insurance companies compete for your business, so it’s not easy to compare every insurance company to find the best rates possible.

If you have a policy now or are looking for a new policy, you can use these tips to find better prices and still get good coverage. Finding the best rates is not rocket science. Drivers only need to know the most effective way to shop over the internet.

Lower rate quotes with discounts

Not many people think insurance is cheap, but you might find some hidden discounts to reduce the price significantly. Most are applied at the time of quoting, but once in a while a discount must be requested specifically in order for you to get them.

  • More Vehicles More Savings – Having all your vehicles with the same company could earn a price break for each car.
  • Discount for Swiching Early – A few insurance coverage companies offer discounts for switching to them prior to the expiration date on your current policy. Ten percent is about the average savings.
  • E-sign Discounts – Some insurance companies will discount your bill up to fifty bucks just for signing your application online.
  • Club Memberships – Being a member of a professional or civic organization is a good way to get lower rates on your next insurance coverage statement.
  • Discount for Life Insurance – Select insurance carriers reward you with a discounted rate on car insurance if you buy some life insurance too.
  • Driver Training Discounts – Taking time to complete a defensive driving course could cut 5% off your bill depending on where you live.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Discount for Low Mileage – Driving less can qualify you for substantially lower prices.
  • Discount for New Cars – Buying a new car model is cheaper compared to insuring an older model.
  • Accident Forgiveness – Not necessarily a discount, but a few companies such as Progressive, Allstate, and GEICO will forgive one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.

Please keep in mind that most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will help lower your policy premiums.

Larger insurance coverage companies and their offered discounts include:

  • Progressive policyholders can earn discounts including multi-vehicle, good student, multi-policy, online signing, homeowner, and online quote discount.
  • AAA offers discounts including AAA membership discount, pay-in-full, good student, multi-policy, and good driver.
  • Farmers Insurance may offer discounts for mature driver, early shopping, youthful driver, multi-car, homeowner, electronic funds transfer, and bundle discounts.
  • GEICO may have discounts that include federal employee, emergency military deployment, military active duty, driver training, good student, air bags, and daytime running lights.
  • Esurance includes discounts for online shopper, safety device, defensive driver, anti-theft, and DriveSense.
  • SAFECO offers discounts for teen safety rewards, homeowner, drive less, anti-lock brakes, accident prevention training, and safe driver.
  • State Farm offers premium reductions for student away at school, anti-theft, good driver, multiple policy, safe vehicle, and accident-free.

It’s a good idea to ask all the companies how many discounts you can get. Savings may not be offered in your area. If you would like to see a list of providers with significant discounts, follow this link.

Smart consumers know how to get auto insurance at a discount

Many different elements are part of the equation when premium rates are determined. Most are fairly basic such as your driving history, but other factors are more transparent such as your credit history or your vehicle rating.Smart consumers have a good feel for some of the factors that go into determining the level of your policy premiums. If you know what influences your rates, this empowers consumers to make smart changes that may reward you with lower rates.

Listed below are a few of the things auto insurance companies consider when setting your premiums.

  • Poor credit can mean higher prices – Having a bad credit score can be an important factor in determining your rates. So if your credit score is low, you could save money insuring your 1995 Ford Bronco by spending a little time repairing your credit. Drivers who have very high credit ratings tend to be better drivers and file fewer claims as compared to drivers with worse credit.
  • Do you save by driving less? – Driving a lot of miles in a year the higher your rate. Most insurance companies apply a rate partially by how you use the vehicle. Cars and trucks that are left in the garage can get a lower rate than vehicles that have high annual mileage. Verify your auto insurance declarations sheet is rated on the correct driver usage, because improper ratings can cost you money. Having an incorrect usage rating on your Bronco is just wasting money.
  • Big cities mean more claims – Choosing to live in less populated areas of the country can save you money when buying auto insurance. Drivers in populated areas have more road rage incidents and more severe claims. Lower population means fewer accidents in addition to fewer liability claims.
  • Multiple policies with one company – The majority of companies give lower prices to policyholders who buy several policies from them such as combining an auto and homeowners policy. Even with this discount applied, it’s in your best interest to get quotes from other companies to help guarantee you have the best rates.
  • Does car insurance cost less for females? – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Both genders tend to get into at-fault accidents at about the same rate, but the men tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations like DWI (DUI) or reckless driving.
  • Marriage is a factor – Having a wife or husband may cut your premiums on auto insurance. It generally demonstrates drivers are more mature than a single person and insurance companies reward insureds because being married results in fewer claims.

What is the best insurance coverage?

When it comes to choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique so your insurance needs to address that. These are some specific questions might point out if your situation would benefit from an agent’s advice.

  • Is my 1995 Ford Bronco covered for flood damage?
  • Should I carry comprehensive and collision coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I crash into my own garage door?
  • Do I pay less if my vehicle is kept in my garage?
  • Is a new car covered when I drive it off the dealer lot?
  • What can I do if my company won’t pay a claim?
  • Is my custom paint covered by insurance?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Insurance specifics

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Liability

Liability coverage provides protection from injuries or damage you cause to other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as loss of income, pain and suffering, repair bills for other people’s vehicles, attorney fees and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Bronco.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, sideswiping another vehicle, rolling your car, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, a broken windshield, vandalism, hitting a bird and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses for things like prosthetic devices, doctor visits, hospital visits and EMT expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

In this article, we presented a lot of techniques to compare 1995 Ford Bronco insurance premium rates online. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. Consumers could even find that the biggest savings come from a small local company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

Cheap 1995 Ford Bronco insurance is possible online and from local insurance agents, so you need to quote insurance coverage with both to have the best rate selection. Some insurance companies may not provide rates over the internet and these smaller companies sell through independent agents.

More detailed auto insurance information is available in these articles: