1991 Ford Bronco Insurance Cost

Want the cheapest insurance rates for your Ford Bronco? Finding lower rates for insurance can be hard for consumers new to comparing rates online. There are so many companies to choose from that it can be a lot of work to find the best price.

Finding Insurance Deals

Most major insurance companies like 21st Century, Allstate and State Farm quote insurance quotes on their websites. Getting online rates is pretty painless as you just enter the amount of coverage you want as requested by the quote form. Behind the scenes, their rating system automatically orders your credit score and driving record and returns a price quote.

Online price quotes simplifies rate comparisons, but the time it takes to visit several different sites and type in the same information is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes if you are searching for a lower rate.

An easier way to find cheaper rates requires only one form that gets prices from several companies at one time. This type of form saves time, eliminates repetitive work, and makes online price comparison much simpler. Once the form is submitted, your coverage is rated and you can choose any of the pricing results.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.

To get comparison pricing now, click here and complete the simple form. If you have your current policy handy, we recommend you replicate deductibles and limits as close as possible to your current policy. This helps ensure you will have a price comparison using the exact same coverages.

Do I just need basic coverages?

When it comes to buying coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Are my friends covered when driving my car?
  • Do I pay less if my vehicle is kept in my garage?
  • I have a DUI can I still get coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered if I drive in a foreign country?
  • Am I covered if I wreck a rental car?
  • Am I covered when pulling a rental trailer?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

What insurance coverages do you need?

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive protection

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hitting a bird and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This coverage pays for damage to your Bronco resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter, hitting a mailbox and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Auto liability

Liability coverage can cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, medical expenses, funeral expenses and loss of income. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills like pain medications, X-ray expenses, dental work, prosthetic devices and chiropractic care. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Bronco.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.