How Much Does 1997 Ford Ranger Insurance Cost?

Want lower auto insurance rates for your Ford Ranger? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you you’re not alone.

Big companies like Geico and Progressive persitently shower you with ads and it is difficult to see through the deception and effectively compare rates to find the best deal.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is quite easy. Although drivers do need to learn the methods companies use to price online insurance because it can help you find the best coverage.

How to save on 1997 Ford Ranger insurance

Car insurance can cost a lot, but you may find discounts that you may not even be aware of. Some discounts apply automatically at quote time, but a few need to be specially asked for before they will apply.

  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Ranger insurance than drivers with accident claims.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Discount for Life Insurance – Some companies give lower rates if you buy life insurance.
  • Homeowners Pay Less – Owning a home may earn you a small savings because maintaining a house demonstrates responsibility.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will cut the cost of coverage.

A partial list of companies who might offer these benefits include:

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts might not apply in your state.

Tailor your coverage to you

When buying the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help you determine whether or not you could use an agent’s help.

  • What can I do if my company won’t pay a claim?
  • Is my Ford Ranger covered if I use it for business?
  • Does medical payments coverage apply to all occupants?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need added coverage for expensive stereo equipment?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Car insurance 101

Learning about specific coverages of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages offered by car insurance companies.

Collision coverage

Collision coverage covers damage to your Ranger resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, scraping a guard rail, sideswiping another vehicle and crashing into a building. 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 increase the deductible in order to get cheaper collision rates.

Auto liability

This coverage will cover injuries or damage you cause to a person or their property. It protects you against claims from other people. It does not 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. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as attorney fees, funeral expenses and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like X-ray expenses, surgery and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a bird and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Be a money saver!

We covered many tips how you can lower your 1997 Ford Ranger insurance rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. They may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

Lower-priced insurance can be purchased online as well as from independent agents, so compare prices from both to have the best selection. Some car insurance companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

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