Insurance for the 2021 Bronco

GetBucked

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I don't know that this question makes too much sense. Every state has their own insurance regulations. I can nearly guarantee that my insurance is more than most. Because... Michigan.

I figured I'd quote a policy change with my insurer and I just used the Wrangler as a fill-in. My insurance rates actually goes down for a Wrangler vs my Focus ST. I don't know what the reality will be, but it's not going to be enough to be a make-or-break factor for me.

As far as GAP insurance. It only makes sense if you expect to be upside down in your loan. I shouldn't end up there, so, no.
This makes me feel a little bit better. I’m in Michigan as well and also currently drive a Focus ST. I really haven’t thought too much about it because like you, it won’t make or break the sale.





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da_jokker

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I used to do insurance rating and you'd be surprised but some of the largest telling factors are mileage and your Postal Code.

That is why someone can be so cheap and someone else can be off the charts. You'd just have to shop around.

And yeah.. I'm not 100% but isn't GAP to pay off your loan? (balance between Loan and Depreciated Total damaged?) In other words, if you put a large amount down, you have eliminated that depreciated gap and so GAP does you no good. Its not like YOU are going to get the extra money on a claim.
 

Karl_in_Chicago

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Those rates are stupid low. I'm paying $86/month @ age 24 for a 2009 Saturn Aura lol
Yeah, but your profile says Seattle and his says Idaho. Zipcode has a LOT to do with it . . . says this guy with a 60601 zip. o_O
 

cal jammer

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I know insurance has many variables factored in to determine your coverage cost, but what are you expecting to pay for monthly insurance on this new vehicle? Are you planning on getting GAP insurance as well?
If insurance monthly price is a concern when buying a new car you don't need to be buying a new car.

ahhhh that felt so good to say that. I've been wanting to say that to my clients for YEARS

but yes. there are SOOOOOO many factors that go into what you pay. credit, driving record, insurance history, zip code, there's no way you can get a ballpark until the bronco is loaded into your current companies system.
 
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privateer35

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If insurance monthly price are a concernt when buying a new car you don't need to be buying a new car.

ahhhh that felt so good to say that. I've been wanting to say that to my clients for YEARS
Not going to be an issue, was generally curious on what it would be.
 

cal jammer

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Not going to be an issue, was generally curious on what it would be.
I edited my post. but really there's no way of telling...possibly quoting a wrangler, but any insurance agent that gives you a number will be completely pulling it out of their ass.
 
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privateer35

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I edited my post. but really there's no way of telling...possibly quoting a wrangler, but any insurance agent that gives you a number will be completely pulling it out of their ass.
Good to know, thanks!
 

cal jammer

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This makes me feel a little bit better. I’m in Michigan as well and also currently drive a Focus ST. I really haven’t thought too much about it because like you, it won’t make or break the sale.
there seems to be a lot of ST drivers on this forum.
 

Monster1926

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If it’s classified as a wagon like the wrangler the rates should be low.
 

Irish#1

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Whatever it is its too much! Biggest rip off business going!
 

5.0Maverick

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I’m sorry. Can somebody explain what gap insurance is?
 

Spooled

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I’m sorry. Can somebody explain what gap insurance is?
If you're upside down on your vehicle and total it or it gets stolen, gap covers the difference you what you owe vs. what its worth. Without it you would be responsible for the difference.
 

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