Compare 1998 Ford Ranger Insurance Quotes

Trying to find the cheapest auto insurance rates for your Ford Ranger? Finding affordable auto insurance is difficult for beginners to shopping for insurance online. People have so many options that it can be a lot of work to find lower rates.

Free Auto Insurance Quotes

There are several ways of comparing rate quotes from different insurance companies. The best method to find the cheapest 1998 Ford Ranger insurance rates involves getting comparison quotes online. This can be accomplished in several different ways.

  • The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This easy form prevents you from having to do separate quotation requests to each individual auto insurance company. A single, simple form will return price quotes from several companies. It’s the fastest way to compare.
  • Another way to obtain and compare quotes online requires a visit to the website for every company you want to comare to complete their respective quote request forms. For example, let’s say you want comparison quotes from State Farm, Liberty Mutual and GMAC. You would have to visit each site to input your insurance information, which is why the first method is quicker. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples information on every quote you get. If each company quotes different limits and deductibles on each one it will be impossible to determine the lowest rate for your Ford Ranger. Quoting even small variations in coverage limits may cause a big price difference. And when price shopping your coverage, quoting more helps locate the best rates.

Do I need special coverages?

When choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • Am I covered if I hit a deer?
  • What if I owe more than I can insure my car for?
  • Should I rate my 1998 Ford Ranger as pleasure use or commute?
  • Do I need rental car coverage?
  • Should I buy full coverage?
  • How can I get my company to pay me more for my totalled car?
  • Should I sign the liability waiver when renting a car?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage options for a Ford Ranger

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Liability insurance

This can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for 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. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like repair bills for other people’s vehicles, funeral expenses, structural damage and bail bonds. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Coverage for collisions

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

Collision insurance covers things like crashing into a building, colliding with another moving vehicle, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, fire damage, damage from getting keyed, hitting a deer and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as ambulance fees, EMT expenses, dental work, surgery and nursing services. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage