1990 Ford Ranger Car Insurance Quotes

Want the cheapest car insurance rates for your Ford Ranger? Saving money on car insurance can seem to be difficult for beginners to shopping for insurance online. People have so many choices that it can quickly become a real challenge to find lower rates.

You should make it a habit to check car insurance prices at least once a year since insurance rates are variable and change quite frequently. Even if you think you had the lowest price for Ranger coverage a few years ago you can probably find a lower rate today. So ignore everything you know about car insurance because you’re going to get a crash course in one of the quickest ways to properly buy coverages and cut your premium.

Discounts on Ford Ranger insurance

The cost of insuring your cars can be expensive, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Paperwork-free – A few companies will give a small break just for signing your application online.
  • Accident Waiver – Some insurance companies permit an accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
  • Defensive Driver – Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • No Claims – Drivers who don’t have accidents pay less compared to drivers who are more careless.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will cut the cost of coverage.

Companies that possibly offer these discounts include:

Before buying, ask each insurance company what discounts are available to you. Savings might not be offered in your area.

Tailor your coverage to you

When buying the best auto insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For example, these questions might help in determining if you may require specific advice.

  • Will my insurance pay for OEM parts?
  • How much liability do I need to cover my assets?
  • Can I afford to pay high deductible claims out of pocket?
  • When do I need to add a new car to my policy?
  • What can I do if my company denied a claim?
  • Am I getting all the discounts available?
  • Can I rent a car in Mexico?
  • Do I have coverage for damage caused while driving under the influence?
  • I don’t drive much so do I pay less?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Can you really save $468 a year?

Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies say the same thing of big savings if you switch your coverage to them. How can each company claim to save you money?

Insurance companies can use profiling for the type of driver that is profitable for them. An example of a profitable customer might be over the age of 50, has no driving citations, and has a short commute. A driver who meets those qualifications will get very good rates and is almost guaranteed to save when switching.

Potential insureds who fall outside this ideal profile will be charged higher prices and this can result in business going elsewhere. The ads say “customers that switch” not “people who quote” save that much money. That’s why insurance companies can state the savings.

That is why drivers must compare as many rates as you can. It’s just too difficult to predict which insurance company will give you the biggest savings on Ford Ranger insurance.

Auto insurance 101

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage

This can cover damage that occurs to a person or their property. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has 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 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like structural damage, attorney fees, court costs, medical expenses and medical services. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, damage from flooding, falling objects, a tree branch falling on your vehicle and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1990 Ford Ranger.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Collision coverage

This coverage covers damage to your Ranger from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, scraping a guard rail, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as EMT expenses, pain medications, X-ray expenses and funeral costs. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Shop smart and save

Cheap 1990 Ford Ranger insurance can be purchased from both online companies and with local insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer online price quotes and these small, regional companies work with independent agents.

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In many cases, an insured dropped comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Drivers who switch companies do it for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, poor customer service or delays in paying claims. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

More detailed car insurance information can be read in these articles: