How Much Does 1990 Ford Ranger Insurance Cost?

Trying to find cheaper auto insurance rates for your Ford Ranger? Insurance shopping is not something car owners look forward to, but it’s mandatory before you can legally be on the road.

It’s a good idea to get comparison quotes on a regular basis because insurance rates are usually higher with each renewal. Even if you got the lowest price for Ranger coverage a few years ago you may be paying too much now. There is a lot of bad advice regarding auto insurance on the internet, so with this article, you’re going to get the easiest ways to quit paying high auto insurance rates.

The quickest method to compare rate quotes takes advantage of the fact auto insurance companies participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a small amount of information such as whether you are single or married, what you do for a living, if you have a valid license, and types of safety features. That information is sent automatically to all major companies and you will receive price estimates quickly.

To start a quote now, click here and enter your coverage details.

Don’t overlook these discounts

Companies offering auto insurance don’t list all their discounts in a way that’s easy to find, so the following is a list of some of the more common and the more hidden discounts you could be receiving.

  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Ranger coverage with a few auto insurance companies.
  • Discount for Life Insurance – Larger companies have a break if you buy life insurance.
  • Save over 55 – Older drivers may qualify for reduced rates for Ranger coverage.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Ranger coverage than drivers with accident claims.
  • No Charge for an Accident – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.

It’s important to note that most discounts do not apply to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

Car insurance companies who might offer these discounts are:

It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts may not apply everywhere.

Is my situation unique?

When it comes to buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your insurance needs will benefit from professional help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have coverage when using my vehicle for my home business?
  • Am I getting all the discounts available?
  • Is business property covered if stolen from my car?
  • Does coverage extend to my business vehicle?
  • When should I not file a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • Who is covered when they drive my 1990 Ford Ranger?
  • Is my cargo covered for damage or theft?
  • Do I need replacement cost coverage on my 1990 Ford Ranger?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Insurance policy coverages for a Ford Ranger

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

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, hitting a deer and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Ranger.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills for things like rehabilitation expenses, prosthetic devices, dental work and chiropractic care. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

This will cover damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims, and 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 might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as loss of income, attorney fees, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, colliding with a tree, sideswiping another vehicle, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.