How Much Does 1996 Ford Ranger Insurance Cost?

Want better insurance coverage rates for your Ford Ranger? Trying to find better insurance prices for your Ford Ranger could be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to find insurance coverage online and you need to know the best way to get price quotes for a Ford and find the cheapest rates.

The most recommended method to compare car insurance company rates takes advantage of the fact most larger insurance companies have advanced systems to compare rate quotes. The one thing you need to do is provide the companies a bit of rating information like what your job is, if the car is leased, the make and model of your vehicles, and whether you have decent credit. Your insurance information is instantly sent to multiple top-rated companies and they provide comparison quotes instantly to find the best rate.

To check rates for your , click here and see if a lower rate is available.

What coverages do I need?

When buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different.

For example, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • When do I need to add a new car to my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy pay for OEM or aftermarket parts?
  • Where can I get insurance after a DUI in my state?
  • How do I insure my teen driver?
  • What is the rate difference between pleasure use and commuting?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Car insurance coverages and their meanings

Knowing the specifics of your car insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Auto liability – This provides protection from damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like structural damage, medical services and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverages – Collision coverage pays for damage to your Ranger caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive car insurance – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, hitting a bird, a broken windshield, falling objects and damage from flooding. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses such as surgery, prosthetic devices, chiropractic care, pain medications and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when other motorists 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.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.