Compare 1991 Ford Ranger Car Insurance Quotes

Looking for cheaper insurance rates for your Ford Ranger? Finding cheaper insurance for a new or used Ford Ranger could be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to find insurance online and we’ll show you the best way to quote coverages on a Ford and locate the lowest price from both online companies and local agents.

If you have a policy now or are shopping for new coverage, you can follow these tips to reduce the price you pay while maintaining coverages. Finding more affordable coverage is simple if you know the tricks. Drivers only need an understanding of the proper methods to compare prices on the web.

Lots of discounts mean lots of savings

Car insurance can cost a lot, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but a few must be specifically requested prior to receiving the credit. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying your policy on their website.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Ranger insurance than drivers with accidents.
  • Resident Student – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
  • Save over 55 – Older drivers may be able to get better insurance coverage rates for Ranger insurance.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.
  • Government Employees – Simply working for the federal government can save as much as 8% for Ranger insurance with a few insurance coverage companies.

Keep in mind that some credits don’t apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will help reduce your premiums.

For a list of insurers with the best insurance coverage discounts, click this link.

Lesser-known factors impacting Ford Ranger insurance rates

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for insurance coverage. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

  • Do you need those extra coverages? – There are a ton of add-on coverages that can waste your money on your 1991 Ranger policy. Things like rental car reimbursement, accident forgiveness and membership fees are examples of these. These may sound like a good investment initially, but your needs may have changed so remove them from your policy.
  • Higher deductibles cost less – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Ford from damage. Examples of covered claims could be collision with another vehicle, vandalism, and rolling your vehicle. Your deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The higher the amount you’re willing to pay, the less your insurance coverage will be for Ranger insurance.
  • Protect your assets with liability insurance – Liability insurance provides coverage in the event that a court rules you are at fault for damages caused by your negligence. Liability provides legal defense starting from day one. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Younger drivers pay higher rates – Youthful drivers tend to be careless and easily distracted behind the wheel so they pay higher insurance coverage rates. Having to add a teenage driver to your insurance coverage policy can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.

Situations that might require an agent

When it comes to buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

These are some specific questions could help you determine if your insurance needs may require specific advice.

  • If I drive on a suspended license am I covered?
  • Is other people’s property covered if stolen from my vehicle?
  • Why does it cost so much to insure a teen driver?
  • Do I have coverage when making deliveries for my home business?
  • Who is covered when they drive my 1991 Ford Ranger?
  • When would I need additional glass coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my trailer covered?
  • Is my teenager covered with friends in the car?
  • Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t ignore all the ads for cheaper car insurance by GEICO, State Farm and Progressive. They all have a common claim about savings if you move to their company.

How does each company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the type of customer that is profitable for them. For example, a preferred risk might be over the age of 40, insures multiple vehicles, and drives newer vehicles. A propective insured who fits that profile is entitled to the best price and most likely will save a lot of money.

Potential insureds who don’t qualify for the requirements must pay more money and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save money. That’s why companies can truthfully make the claims of big savings.

This illustrates why it’s extremely important to quote coverage with many companies. It’s impossible to know which company will have the lowest Ford Ranger insurance rates.

Car insurance coverages 101

Learning about specific coverages of car insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Liability coverage – Liability insurance will cover injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is 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 coverage protects against claims such as medical expenses, repair costs for stationary objects and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – This will pay to fix damage to your Ranger resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for short-term medical expenses for funeral costs, ambulance fees and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive car insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, rock chips in glass, hail damage and vandalism. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Shop. Compare. Save.

People change insurance companies for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, policy cancellation and denial of a claim. Regardless of your reason for switching companies, finding the right insurance provider is less work than it seems.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed liability coverage limits only to regret at claim time that it was a big mistake. Your strategy should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

We covered many tips how you can lower your 1991 Ford Ranger insurance rates. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from some of the lesser-known companies.

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