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1993 Ford Bronco Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 24, 2017

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Confused by the number of car insurance company choices? You’re not alone. Consumers have so many options that it can be a lot of work to find better rates.

It’s smart to compare rates before your policy renews because rates tend to go up over time. Just because you found the lowest price for Bronco coverage a couple years back there is a good chance you can find better rates now. So block out anything you think you know about car insurance because it’s time to teach you the proper way to properly buy coverages and cut your premium.

The best way to get rate comparisons is to take advantage of the fact most larger insurance companies participate in a system to compare rate quotes. All you need to do is provide information such as whether you drive to work or school, daily mileage, whether your vehicle is owned or leased, and your credit rating estimate. Those rating factors is automatically sent to multiple companies and they return cost estimate quickly.

To compare multiple company rates now, click here and see if a lower rate is available.

But I don’t know anything about car insurance

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if you might need professional guidance.

  • What is PIP insurance?
  • Should I bundle my homeowners policy with my auto?
  • Are my friends covered when driving my car?
  • Is my ex-spouse still covered by my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need motorclub coverage?
  • Should I rate my 1993 Ford Bronco as pleasure use or commute?
  • Does my medical payments coverage pay my health insurance deductible?
  • When should I remove comp and collision on my 1993 Ford Bronco?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Coverage specifics

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Auto liability

This coverage provides protection from damage or injury you incur to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means 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 can pay for claims like funeral expenses, structural damage, bail bonds, loss of income and medical services. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for things like hospital visits, dental work and doctor visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover 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

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Ford Bronco.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive insurance

Comprehensive insurance coverage pays for 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 things such as damage from flooding, hitting a deer, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

This coverage will pay to fix damage to your Bronco caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, damaging your car on a curb, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

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