1990 Ford Bronco Car Insurance Quotes – 10 Tips for Cheaper Rates

Sick and tired of not being able to afford to insure your Ford every month? You’re in the same situation as most other car owners. There is such a variety of insurance companies to buy insurance from, and although it’s nice to be able to choose, it can be more difficult to locate the cheapest rates.

It’s important to price shop coverage periodically due to the fact that insurance rates change quite often. Just because you had the best price for Bronco coverage six months ago you will most likely find a better rate today. There is a lot of bad information regarding auto insurance on the internet, so we’re going to give you some great ways to stop overpaying for insurance.

Finding the best rates is not rocket science. If you currently have a car insurance policy, you will be able to save some money using these methods. Drivers just need to learn the proper way to shop over the internet.

Cheap Insurance Coverage Comparisons

Finding lower insurance coverage rates can be surprisingly simple. The only thing you need to do is take a couple of minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

• The most efficient way to get quotes would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for separate forms for each company you want a rate for. A single form will get you rate comparisons from several companies.
• A less efficient way to analyze rates requires you to visit each company’s website and fill out their own quote form. For examples sake, let’s say you want to compare Geico, State Farm and Allstate. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

  For a handy list of car insurance company links in your area, click here.

• The least recommended way of comparing rate quotes is to waste gas driving to local insurance agencies. Shopping for insurance coverage online makes this process obsolete unless you require the trained guidance of a licensed agent. Drivers can find lower rates online but still have the advice of a local agent and we’ll cover that in a bit.

However you get your quotes, make darn sure you compare exactly the same coverage information for every company. If you use mixed coverages you will not be able to truly determine the lowest rate.

How much can you save with these ten discounts?

Auto insurance companies do not list all available discounts very clearly, so we researched some of the best known and the more hidden insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.

• Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
• Claim Free – Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
• Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
• Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save up to 5%.
• Homeowners Savings – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
• Multiple Vehicles – Buying insurance for multiple vehicles with the same company qualifies for this discount.
• Multi-policy Discount – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
• Fewer Miles Equal More Savings – Fewer annual miles on your Ford can earn lower rates on the low mileage vehicles.
• Federal Government Employee – Active or retired federal employment may qualify you for a discount for Bronco coverage with select insurance companies.
• Lower Rates for Military – Being on active duty in the military can result in better rates.

Consumers should know that most discounts do not apply the the whole policy. A few only apply to individual premiums such as medical payments or collision. So when the math indicates you can get free auto insurance, you’re out of luck.

To see a list of insurance companies who offer insurance discounts, click here to view.

How much car insurance do I need?

When buying the best insurance coverage coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might help in determining if you may require specific advice.

• Are there companies who specialize in insuring high-risk drivers?
• Should I get collision insurance on every vehicle?
• How high should deductibles be on a 1990 Ford Bronco?
• How much liability coverage do I need in my state?
• Will filing a claim cost me more?
• Does my insurance cover a custom paint job?
• Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Car insurance coverage specifics

Understanding the coverages of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages available from car insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, falling objects, a tree branch falling on your vehicle, theft and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

Collision coverage covers damage to your Bronco from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, scraping a guard rail, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability

Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have 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.

Liability insurance covers things such as loss of income, bail bonds, emergency aid, legal defense fees and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 1990 Ford Bronco.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.