1994 Ford Ranger Insurance Cost – 10 Tricks for Best Prices

People who are new to comparing rates online might discover finding cut-rate auto insurance is harder than they anticipated.

Consumers need to get comparison quotes at least once a year since insurance rates trend upward over time. Despite the fact that you may have had the lowest rates on Ranger insurance a couple years back the chances are good that you can find a lower rate today. Don’t believe everything you read about auto insurance online, so with this article, you’re going to get some great ways to stop overpaying for insurance.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. This article will familiarize you with how to effectively get price quotes and some tricks to saving. Although consumers must know how the larger insurance companies determine prices and take advantage of how the system works.

Which Car Insurance is Cheapest?

There are several ways you can shop for Ford Ranger car insurance and some are less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use the web to accomplish the same thing much quicker.

Many companies are enrolled in a marketplace where prospective buyers send in one quote, and every company can provide price quotes for coverage. This system prevents you from having to do quote forms to every company. To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to comparing rates this way is that you can’t choose which providers you want to price. So if you want to choose specific insurance companies to compare rates, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples coverage limits for every quote you compare. If you enter different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Ford Ranger. Quoting even small variations in coverage limits may result in a large different in cost. Just keep in mind that getting more free quotes gives you a better chance of getting the best offered rates.

Save money by taking advantage of these ten discounts

Auto insurance companies do not advertise all available discounts in a way that’s easy to find, so we researched some of the more common and the more hidden auto insurance savings.

Organization Discounts – Participating in a qualifying organization may earn a discount when shopping for auto insurance on Ranger insurance.
Safety Course Discount – Successfully completing a driver safety course could possibly earn you a 5% discount if your company offers it.
Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
Accident Free – Drivers with accident-free driving histories can earn big discounts compared to drivers who are more careless.
Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in school.
Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
Discount for Good Grades – This discount can save 20 to 25%. This discount can apply well after school through age 25.
Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

For a list of companies with discount auto insurance rates, click here.

When should I use an insurance agent?

When buying coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether you will benefit from professional help.

How can I get my company to pay me more for my totalled car?
Do I need PIP (personal injury protection) coverage in my state?
How do I file an SR-22 for a DUI in my state?
Do all my vehicles need collision coverage?
Does coverage extend to a rental car in a foreign country?
Can my babysitter drive my car?
How can I find cheaper teen driver insurance?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Information about specific coverages

Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability car insurance

Liability coverage provides protection from damage that occurs to other people or property. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like structural damage, emergency aid, bail bonds, loss of income and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as dental work, nursing services and X-ray expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle, theft and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.