1999 Ford Ranger Insurance Rates – 6 Ideas for Best Quotes

Drivers have many options when trying to find the best price on Ford Ranger insurance. They can either waste time contacting agents getting price quotes or utilize the internet to get rate quotes. There are both good and bad ways to compare insurance coverage rates and you need to know the quickest way to price shop coverage for a Ford and obtain the best price possible either online or from local insurance agents.

Finding affordable coverage is quite easy. If you have car insurance now, you stand a good chance to be able to save some money using these techniques. Vehicle owners only need an understanding of the best way to compare prices on the web.

Finding Car Insurance Deals

There are a lot of ways to shop for car insurance, but some are less time-consuming than others. You can spend your afternoon talking about coverages with agents in your area, or you can utilize the internet to get the quickest rates.

Most of the best insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and each company then returns a price quote for coverage. This system prevents you from having to do quote requests for every car insurance company.

To find out how much you can save on car insurance click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly which insurance companies you want pricing from. If you prefer to choose specific providers to compare, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you’re using the exact same coverages and limits for every company. If you are comparing different liability limits it’s impossible to decipher which rate is best.

Discounts are available to cut your rates

Companies that sell car insurance don’t necessarily list all their discounts in a way that’s easy to find, so the following is a list of some of the more common and also the lesser-known insurance coverage savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Save with a New Car – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Passive Restraints – Vehicles with factory air bags can receive discounts of more than 20%.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Auto/Home Discount – If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.

Drivers should understand that most credits do not apply the the whole policy. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

Companies who might offer some of the above discounts may include but are not limited to:

Double check with each company how you can save money. Some discounts may not apply everywhere.

Everyone needs different coverages

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining whether you could use an agent’s help.

  • Is my 1999 Ford Ranger covered for smoke damage?
  • Should I have a commercial auto policy?
  • What is the minimum liability in my state?
  • Am I covered when driving someone else’s vehicle?
  • Exactly who is provided coverage by my policy?
  • Am I covered when driving in Canada or Mexico?
  • When should I drop full coverage on my 1999 Ford Ranger?
  • Should I get collision insurance on every vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Don’t believe everything you hear

Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as State Farm, GEICO and Progressive. All the ads say the same thing that you’ll save big if you change your policy.

How does each company make almost identical claims?

Different companies can use profiling for the right customer that earns them a profit. For instance, a preferred risk might be a mature driver, has no tickets, and drives newer vehicles. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don’t measure up to this ideal profile will be charged a higher premium and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. This is how companies can state the savings. That is why you should get as many comparisons as possible. It’s impossible to know which car insurance company will give you the biggest savings on Ford Ranger insurance.

Car insurance coverage specifics

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, a broken windshield and fire damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage will cover injuries or damage you cause to a person or their property. It protects you against claims from other people, and doesn’t cover 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. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as funeral expenses, emergency aid, legal defense fees, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your Ranger caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, crashing into a ditch, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for things like pain medications, funeral costs, nursing services, doctor visits and chiropractic care. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Find Good Coverage for Less

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. In many instances, an insured dropped liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

We covered a lot of tips how to shop for 1999 Ford Ranger insurance online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with the smaller companies.

Lower-priced insurance is definitely available online and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and these small, regional companies work with independent agents.

More detailed insurance coverage information can be found at these sites: