How to Insure your Ford Bronco on a Tight Budget
If buying car insurance was fun, we'd do it as a recreational sport. But most likely we pay more than we want to and don't really enjoy the buying process. Insuring your Ford Bronco is probably no exception.
Step One: Insurance Quotes
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Not anymore!
Comparing apples-to-apples price quotes for your Ford Bronco is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Ford Bronco.
Quote Tip! In order to accurately compare rates for your Bronco, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Lower your Bronco Insurance Premium
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Bronco insurance rates.
- How is your credit rating? The better credit you have, the less insurance will cost for your Bronco. If you have bad credit, work on improving your credit score and repair past credit problems.
- Driver's safety courses will often get you a discount off your rates. Check to see if your company offers the discount and find a qualifying class in your area.
- The SUV class of vehicles generally has higher insurance rates due to the higher chance that you'll drive in adverse weather conditions.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- If you're a young driver, you will pay more to insure a Bronco. There isn't anything you can do about your age, but rates will drop as you mature.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Insurance companies pay attention to which vehicles are stolen the most, so if your car is frequently targeted by thieves, chances are good you will pay more for insurance if you live in certain parts of the country.
Step Three: Choose a Company and Bind Coverage
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Bronco that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Ford added prior to the expiration of this grace period. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
To do more research on car insurance, visit the Insurance Information Institute website.
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