1996 Ford Ranger Car Insurance Cost – 10 Tricks for Best Prices

Shoppers have many options when shopping for the best price on Ford Ranger insurance. You can either waste hours contacting agents trying to get quotes or utilize the internet to get rate quotes. There is a better way to buy insurance and we’ll show you the quickest way to get price quotes for a Ford and obtain the cheapest rates from local insurance agents and online providers.

Compare Auto Insurance Costs

All major auto insurance companies like 21st Century, Allstate and State Farm give insurance quotes online. This process doesn’t take much effort as you simply enter your required coverages into a form. Upon sending the form, their rating system pulls credit information and your driving record and quotes a price based on these and other factors.

Online quotes makes comparing rates easy, but the time required to go to multiple sites and type in the same information can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible if you want to find a better rate.

An easier way to lower your rates requires only one form to obtain quotes from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much more enjoyable and efficient. As soon as the form is sent, it is rated and you can choose any one of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The entire process takes less than 15 minutes and you will know how your current rates stack up.

To use this form to compare rates, click here and input your coverage information. If you have a policy now, it’s recommended that you enter the limits and deductibles as shown on your current policy. Doing this assures you are getting rate quotes based on similar coverages.

Don’t overlook these ten discounts

Auto insurance companies do not advertise every discount very clearly, so we researched some of the more common and also the lesser-known discounts you could be receiving. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Defensive Driving Course – Completing a defensive driving course could save 5% or more if you qualify.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Paperless Signup – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Ranger coverage depending on your company.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Ranger coverage than drivers with accidents.
  • Senior Discount – Older drivers can possibly qualify for a small decrease in premiums on Ranger coverage.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance from them.
  • Bundle and Save – When you have multiple policies with the same company you may save 10% to 20% off each policy.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of companies with the best auto insurance discounts, click this link.

Is my situation unique?

When buying adequate coverage, there is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when using my vehicle for business?
  • When does my teenage driver need to be added to my policy?
  • Is my ex-spouse still covered by my policy?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover a custom paint job?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your insurance policy

Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Ranger.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, falling objects, vandalism, theft and rock chips in glass. The most you can receive from a comprehensive claim 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.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses for ambulance fees, pain medications, EMT expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, sideswiping another vehicle, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.


This can cover damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for 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 might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as court costs, pain and suffering, medical expenses, loss of income and medical services. How much coverage you buy is up to you, but buy higher limits if possible.

Quote more, save more

Drivers change insurance companies for a variety of reasons including policy cancellation, poor customer service, unfair underwriting practices or lack of trust in their agent. It doesn’t matter what your reason, switching companies is not as hard as you think.

We just presented some good ideas how you can get a better price on 1996 Ford Ranger insurance. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced auto insurance comes from a small mutual company.

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage only to regret that it was a big error on their part. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.

More detailed auto insurance information can be read at these sites: