Cheapest 1996 Ford Bronco Insurance Rates in 2024

Trying to find lower insurance coverage rates? Buyers have many options when searching for low-cost Ford Bronco insurance. They can either spend hours calling around trying to get quotes or utilize the internet to compare rates. There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the proper way to compare rates on a Ford and obtain the lowest price.

How to Compare Insurance Coverage

There are several ways to compare Ford Bronco insurance coverage quotes, but some are less time-consuming than others. You could spend your day driving to insurance companies in your area, or you could use the internet to get rates in a matter of minutes.

The majority of car insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and at least one company returns a competitive quote based on that information. This system prevents you from having to do quote forms for each company.

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The one downside to pricing coverage this way is buyers cannot specifically choose which companies you will receive quotes from. If you prefer to choose specific providers to request quotes from, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but compare exactly the same quote information for each price quote. If you use unequal deductibles or liability limits it will be very difficult to make an equal comparison.

There’s no such thing as the perfect policy

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether you would benefit from an agent’s advice.

• Am I getting all the discounts available?
• Is my ex-spouse still covered by my policy?
• Do I need replacement cost coverage on my 1996 Ford Bronco?
• Are rental cars covered under my policy?
• Am I better off with higher deductibles on my 1996 Ford Bronco?
• How can I force my company to pay a claim?
• Do I need higher collision deductibles?
• Am I covered when using my vehicle for business?
• How do I insure my teen driver?
• Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages explained

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Auto liability – This coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability can pay for things like legal defense fees, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 1996 Ford Bronco.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for EMT expenses, ambulance fees, surgery, prosthetic devices and funeral costs. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, colliding with a tree, scraping a guard rail, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, vandalism and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.