Feeling guilty for buying an overpriced auto insurance policy? Don’t sweat it because many consumers are in the same pinch. Due to the large number of companies and agents to choose from, it is hard for the average consumer to find the lowest cost auto insurance provider.
It’s smart to compare premium rates periodically because rates are rarely the same from one policy term to another. Even if you got the lowest rate on Bronco II coverage a few years ago other companies may now be cheaper. Forget all the misinformation about auto insurance because I’m going to teach you one of the quickest ways to save money, get proper coverage and the best rates.
Shop auto insurance online
Comparing auto insurance rates can be a daunting task if you don’t understand the most efficient way to do it. You could spend your day talking about coverages with local insurance agents in your area, or you could save time and use online quotes to achieve your goal.
Many insurance companies belong to an insurance system where insurance shoppers submit their information once, and each company returns a competitive quote determined by their information. This eliminates the need for repetitive form submissions for each company you want a rate for.
To fill out one form to compare multiple rates now click here to start a free quote.
The single downside to comparing rates this way is you are unable to specify which providers you want to price. If you wish to select from a list of companies to compare, we have a listing of low cost auto insurance companies in your area. Click here to view list.
Which method you use is up to you, but do your best to enter the exact same quote information on every quote. If you have different values for each quote it’s not possible to find the best deal for your Ford Bronco II.
Get cheaper auto insurance with discounts
Not too many consumers would say auto insurance is affordable, but companies offer discounts to cut the cost considerably. Most are applied at quote time, but a few must be requested specifically before being credited.
- Student Discount for Driver Training – Have your child complete a driver education course in school.
- Passive Restraint Discount – Options like air bags or automatic seat belts can qualify for discounts of 25 to 30%.
- Discount for Life Insurance – Auto insurance companies who offer life insurance give a discount if you purchase life insurance.
- Senior Citizens – If you qualify as a senior citizen, you may receive a slight reduction on a on Bronco II coverage.
- Online Discount – Some companies will discount your bill up to fifty bucks for buying a policy and signing up online.
- Low Mileage – Keeping the miles down on your Ford can earn discounted premium rates on garaged vehicles.
- Home Ownership Discount – Owning a house can save you money since owning and maintaining a home means you have a higher level of financial diligence.
It’s important to note that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky.
Large auto insurance companies and some of their more popular discounts include:
- American Family may include discounts for good student, accident-free, TimeAway discount, multi-vehicle, and bundled insurance.
- Nationwide offers premium reductions for easy pay, Farm Bureau membership, multi-policy, accident-free, defensive driving, anti-theft, and business or organization.
- MetLife has discounts for good driver, defensive driver, multi-policy, accident-free, claim-free, and good student.
- 21st Century policyholders can earn discounts including homeowners, driver training, teen driver, good student, student driver, automatic seat belts, and early bird.
- Farmers Insurance may have discounts that include switch companies, homeowner, business and professional, multi-car, pay in full, early shopping, and mature driver.
- Allstate may offer discounts for EZ pay plan discount, good student, economy car, multi-policy, passive restraint, teenSMART discount, and eSmart discount.
Before buying, ask all the companies what discounts are available to you. Depending on the company, some discounts may not apply to policyholders in your area. To view auto insurance companies who offer free auto insurance quotes, follow this link.
Tailor your auto insurance coverage to you
When buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions could help you determine whether you may require specific advice.
- Am I covered when pulling a rental trailer?
- Can I drive in Mexico and have coverage?
- How much underlying liability do I need for an umbrella policy?
- Does my car insurance cover rental cars?
- What discounts do I qualify for?
- How do I file an SR-22 for a DUI in my state?
- Is my business laptop covered if it gets stolen from my vehicle?
- Do I have coverage for damage caused while driving under the influence?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
