2023 Ford Bronco Insurance Cost in 2024 – 9 Policy Discounts

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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Looking for cheaper auto insurance rates for your Ford Bronco? Nobody that owns a car anticipates paying for auto insurance, in particular when they could find better rates elsewhere.

You have so many insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, more choices can make it harder to adequately compare rates.

Drivers can save with with these nine discounts

Insurance coverage is not inexpensive, but you might already qualify for some discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but less common discounts must be specifically requested before you will receive the discount. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

  • Payment Discounts – By making one initial payment rather than paying in monthly installments you can avoid the installment charge.
  • Auto/Home Discount – If you can bundle your homeowners and auto insurance and insure them both with the same insurance company you could save up to 20% off your total premium.
  • Defensive Driver Discount – Taking part in a class that teaches safe driver techniques could cut 5% off your bill and easily pay for the cost of the class.
  • Passive Restraint Discount – Options like air bags or motorized seat belts may earn rate discounts of 25 to 30%.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.
  • Telematics Devices – Insureds who allow their insurance company to spy on when and where they use their vehicle by using a small device installed in their vehicle like Allstate’s Drivewise might get better premium rates if they exhibit good driving behavior.
  • Discount for Life Insurance – Larger insurance coverage companies have a lower insurance coverage rate if you buy some life insurance too.
  • Waiver for an Accident – Not necessarily a discount, but companies like Allstate and State Farm will turn a blind eye to one accident before they charge you more for coverage if you have no claims prior to the accident.
  • More Vehicles More Savings – Drivers who insure several vehicles on one policy may reduce the rate for each vehicle.

Don’t be surprised that some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Even though the math looks like adding up those discounts means a free policy, companies wouldn’t make money that way.

A few of the larger companies and some of the premium reductions they offer are outlined below.

  • State Farm may include discounts for Steer Clear safe driver discount, driver’s education, multiple autos, anti-theft, Drive Safe & Save, and passive restraint.
  • Liberty Mutual offers discounts for new vehicle discount, new graduate, multi-policy, preferred payment discount, newly married, exclusive group savings, and newly retired.
  • American Family may offer discounts for good student, mySafetyValet, air bags, good driver, multi-vehicle, defensive driver, and accident-free.
  • Progressive policyholders can earn discounts including homeowner, online quote discount, multi-policy, continuous coverage, and online signing.
  • Farmers Insurance offers premium reductions for homeowner, teen driver, mature driver, youthful driver, bundle discounts, and good student.
  • Auto-Owners Insurance includes discounts for air bags, anti-theft, safe vehicle, multi-policy, teen driver, paperless, and multiple vehicles.
  • SAFECO discounts include anti-theft, teen safety rewards, homeowner, bundle discounts, teen safe driver, and multi-car.

When getting a coverage quote, ask all the companies which discounts they offer. Savings may not apply to policyholders in your state. To choose insurance companies who offer free insurance coverage quotes, enter your zip code here.

Which car insurance is cheapest?

To get inexpensive insurance coverage quotes, there a variety of ways of comparing price quotes from lots of car insurance companies. The recommended way to compare rates is to jump online and get quotes. This is very easy and can be done in several different ways.

The single most time-saving way to find low rates would be an industry-wide quote request form. This style of form prevents you from having to do separate quotation requests for each price estimate. One form compares rates from several companies.

A harder way to find lower rates is to take the time to go to each company website to request a price quote. For sake of this example, let’s say you want to compare rates from Allstate, Esurance and Liberty Mutual. To get each rate you have to go to every website and repeatedly type in your coverage information, which can get old fast.

The least recommended method to do your price quoting is going to and from local insurance agencies. Doing it all online eliminates this option unless your situation requires the personal advice of a local agent. You can, however, get prices online but purchase the actual policy in an agency.

You can choose any of those ways to find more affordable coverage, but do your best to use the exact same deductibles and coverage limits with each company. If you use mixed coverages it will be next to impossible to determine which rate is truly the best. Just a small difference in limits can make a big difference in price. And when comparing car insurance rates, know that more quotes will improve the odds of getting the best rates. Some insurance companies are not set up to provide online quotes, so it’s recommended that you also compare price quotes from those companies as well.

Your situation helps dictate your coverage

When buying coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • Do I need added coverage for expensive stereo equipment?
  • Will my insurance pay for OEM parts?
  • Do I need roadside assistance coverage?
  • Do I have newly-acquired coverage?
  • Where can I get insurance after a DUI in my state?
  • Is my state a no-fault state?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code.

Will you really save $456 on auto insurance?

Respected companies like State Farm and Allstate consistently run television and radio advertisements. They all make the point that you’ll save big after switching your coverage to them. How does every auto insurance company offer drivers better rates? Just pay attention to how they say it.

Insurance providers have a preferred profile for the right customer that will generate a profit. An example of a preferred risk could be a female over age 40, has a clean driving record, and the vehicle is rated for pleasure use. Someone that fits those parameters receives the best premium rates and will save a lot if they switch.

Consumers who do not match the “perfect” profile may receive higher premiums which leads to the prospect going elsewhere. The wording the ads use say “drivers who switch” but not “everyone who gets a quote” save that much money. That’s why companies can truthfully advertise the way they do. This illustrates why it is so important to get insurance coverage quotes as often as possible. It is impossible to guess the company that will provide the lowest car insurance rates.

Coverages available on your policy

Knowing the specifics of a insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 2023 Ford Bronco.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, crashing into a ditch, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for expenses such as chiropractic care, funeral costs and X-ray expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Liability car insurance – This provides protection from damage that occurs to a person or their property. It protects YOU from legal claims by others, and doesn’t cover 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 liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability coverage protects against things such as pain and suffering, bail bonds, loss of income and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a deer and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Quote more, save more

We just covered some good ideas how you can compare 2023 Ford Bronco insurance car insurance rates online. The key thing to remember is the more providers you compare, the better your comparison will be. You may even discover the best car insurance rates are with the smaller companies. Smaller companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

Some insurance companies do not provide online quoting and these smaller providers only sell through local independent agents. Discount 2023 Ford Bronco insurance is possible on the web and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

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