Cheap 1994 Ford Ranger Car Insurance Quotes

Trying to find the cheapest insurance rates for your Ford Ranger? Saving money on insurance can seem to be a challenge for people who are new to comparison shopping online. There are so many options that it can easily become a ton of work to locate the lowest price.

It’s a great practice to check insurance prices before your policy renews since insurance rates tend to go up over time. Even if you got the best price on Ranger insurance two years ago other companies may now be cheaper. Ignore everything you know about insurance because you’re about to learn how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. Locating the cheapest insurance coverage coverage is simple if you know the tricks. But vehicle owners must know how companies sell online and use this information to your advantage.

How much can you save with discounts?

Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Most are applied at the time you complete a quote, but less common discounts must be inquired about before you get the savings.

  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for better insurance rates on Ranger insurance.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Clubs and Organizations – Affiliation with a civic or occupational organization is a good way to get lower rates when shopping for insurance on Ranger insurance.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount will help reduce your overall premium however.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask each insurance company which discounts they offer. Some discounts might not be offered in your state.

Comprehensive Auto Insurance Comparison

To find the best auto insurance prices, there are several ways to compare rate quotes from different insurance companies. One of the best ways to find competitive 1994 Ford Ranger insurance rates is simply to get online rate quotes. This can be done using a couple different methods.

  1. The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This easy form keeps you from doing separate quotes for every auto insurance company. A single form will get you rate comparisons from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to find lower rates consists of going to the website of each company and request a quote. For sake of this example, let’s say you want to compare rates from USAA, Liberty Mutual and Progressive. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The hardest method of getting rate comparisons is to waste gas driving to different agent offices. The internet has reduced the need for local agents unless you have a need for the trained guidance of a licensed agent. You can, however, comparison shop online and get advice from an agent in your area and we’ll cover that in a bit.

It’s up to you which method you use, but make absolute certain that you use exactly the same coverages and limits on every quote. If you enter different liability limits it’s impossible to make an equal comparison. Just a small difference in limits may result in a large different in cost. It’s important to know that getting more free quotes helps locate the best offered rates.

Complexity of Ford Ranger insurance rates

Smart consumers have a good feel for some of the elements that help determine your insurance coverage rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to big savings.

  • How many coverages with the same company – The majority of insurance coverage companies will award you with lower prices to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s still a good idea to compare rates to verify if the discount is saving money. Consumers may find better rates by insuring with multiple companies.
  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for insurance coverage? Careers like lawyers, social workers and stock brokers tend to have the highest rates due to high stress and lengthy work days. On the other hand, professions such as farmers, students and performers receive lower rates on Ranger insurance.
  • Liability insurance protects assets – Liability coverage will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Proper usage rating affects rates – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on their usage. Cars and trucks left parked in the garage can get a lower rate than those used for commuting. Make sure your insurance coverage declarations sheet properly reflects the correct usage for each vehicle, because it can save money. Incorrect usage on your Ranger may be costing you.
  • Your spouse saves you money – Having a spouse actually saves money on your insurance coverage policy. Having a spouse is viewed as being more mature and statistics show married couples file fewer claims.
  • Sex matters – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Women and men are in accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations such as reckless driving.
  • Low deductibles can be expensive – Physical damage deductibles represent how much money you are willing to pay in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The higher the amount you’re willing to pay, the lower your rates will be on Ranger insurance.

How much car insurance do I need?

When choosing proper insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • Does coverage extend to Mexico or Canada?
  • What are the financial responsibility laws in my state?
  • Where can I find high-risk insurance?
  • Are my friends covered when driving my car?
  • How can I force my company to pay a claim?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Do drivers who switch really save $471 a year?

Companies like Allstate and Progressive regularly use ads on television and other media. All the ads have a common claim that you’ll save big if you move to their company. How does each company say the same thing? This is how they do it.

Different companies can use profiling for the type of driver that earns them a profit. A good example of a preferred risk could be a mature driver, has no tickets, and drives newer vehicles. A propective insured who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Consumers who fall outside this ideal profile will be quoted a more expensive rate which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save money. That is how companies can truthfully advertise the savings.

This emphasizes why you need to compare as many rates as you can. It’s impossible to know which company will provide you with the cheapest Ford Ranger insurance rates.

Educate yourself about auto insurance coverages

Learning about specific coverages of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as attorney fees, loss of income, legal defense fees and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

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 to you and your family and also any damage incurred to your Ford Ranger.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses for things like rehabilitation expenses, ambulance fees and EMT expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, vandalism, a tree branch falling on your vehicle, hitting a bird and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding 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 rolling your car, scraping a guard rail, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

And the best car insurance company is…

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. In many cases, an insured dropped physical damage coverage only to find out that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

We just showed you quite a bit of information on how to reduce 1994 Ford Ranger insurance prices online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a smaller regional carrier.

Drivers switch companies for a number of reasons such as extreme rates for teen drivers, high rates after DUI convictions, high prices or not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

More information is located below: