Cheap 1997 Ford Ranger Car Insurance Cost

Searching for the cheapest auto insurance rates for your Ford Ranger? Locating the cheapest insurance for a Ford Ranger can turn out to be an all-consuming task, but you can use our auto insurance buying tips and make it easy. There is a better way to buy auto insurance so you’re going to learn the best way to price shop coverage for your Ford and get the best price possible from local insurance agents and online providers.

Consumers need to get comparison quotes on a regular basis because prices fluctuate regularly. If you had the best deal for Ranger insurance a year ago other companies may now be cheaper. So block out anything you think you know about auto insurance because we’re going to show you the right way to lower your annual insurance bill.

Finding the best rates is not that difficult. If you have a current insurance coverage policy or need new coverage, you will benefit by learning to find better prices and possibly find even better coverage. Consumers just need to know the most efficient way to get comparison quotes on the web.

Compare the Market for Car Insurance

Getting a lower price on 1997 Ford Ranger insurance can be surprisingly simple. You just have to take a few minutes comparing price quotes provided by online insurance companies. This can be accomplished in several different ways.

  1. The first (and easiest) way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating multiple quote forms for each company. One quote request gets you coverage quotes from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to get comparison quotes consists of going to the website of each company to request a price quote. For sake of this example, we’ll assume you want comparison quotes from GEICO, Allstate and State Farm. You would have to go to every website and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but compare apples-to-apples quote information for every quote you compare. If you have different values for each quote it will be next to impossible to determine the lowest rate for your Ford Ranger.

Save $417 a year? Really?

Drivers can’t get away from ads that promise big savings from the likes of Allstate, GEICO and Progressive. All the companies make the same claim about savings if you change your coverage to them.

But how can every company say the same thing? It’s all in the numbers.

Insurance companies have a certain “appetite” for the right customer they prefer to insure. For example, a profitable customer could possibly be between the ages of 40 and 55, has no driving citations, and has excellent credit. A customer getting a price quote who meets those qualifications will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t meet this ideal profile will be charged more money which usually ends up with the customer not buying. The ads say “drivers who switch” not “people who quote” save that much. That is how companies can truthfully advertise the way they do. That is why you should get as many quotes as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Ford Ranger insurance rates.

Don’t miss out on these money-saving discounts

Car insurance companies don’t always list every available discount in a way that’s easy to find, so we took the time to find some of the best known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Multiple Policy Discount – If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • One Accident Forgiven – A few companies will forgive one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Defensive Driving Course – Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Homeowners Savings – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
  • Low Mileage – Keeping the miles down on your Ford can qualify you for discounted rates on garaged vehicles.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck.

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

Do I need special coverages?

When it comes to choosing coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • Is rental equipment covered for theft or damage?
  • Does coverage extend to my business vehicle?
  • Do I need motorclub coverage?
  • Which is better, split liability limits or combined limits?
  • What is high-risk coverage and where do I buy it?
  • Where can I find high-risk insurance?
  • Do I need added coverage for expensive stereo equipment?
  • How can I find cheaper teen driver insurance?
  • Am I covered when using my vehicle for business?
  • Can I get a multi-policy discount?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages

Having a good grasp of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses such as funeral costs, hospital visits, EMT expenses, prosthetic devices and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides 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 a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision – Collision insurance pays for damage to your Ranger resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, hitting a bird, vandalism and theft. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – This coverage protects you from damage that occurs to a person or their property. It protects YOU from claims by other people. Liability 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. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like bail bonds, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Keep this in mind

In this article, we presented a lot of ways to shop for 1997 Ford Ranger insurance online. 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 biggest savings come from some of the smallest insurance companies.

Cheap insurance can be purchased online as well as from independent agents, so you should compare both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

When you buy insurance online, do not skimp on coverage in order to save money. In too many instances, someone dropped uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

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