1991 Ford Ranger Insurance Rates – 9 Policy Discounts

Tired of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as most other car owners.

Many insurers compete for your business, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest rate possible.

It’s a good habit to compare prices periodically because rates are constantly changing. Even if you got the best rates for Ranger coverage a year ago you will most likely find a better rate today. Ignore everything you know about car insurance because we’re going to demonstrate how to use online quotes to lower your rates without sacrificing coverage.

Automobile Insurance Quotes

The are a couple different ways to compare quotes and find the best price. The best method to find the cheapest 1991 Ford Ranger insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

  1. The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form eliminates the need for separate forms for each company you want a rate for. Just one form compares rates from many national carriers.
  2. A slightly less efficient method to find lower rates is to take the time to go to each company website and fill out their own quote form. For sake of this example, we’ll pretend you want to compare USAA, 21st Century and Progressive. To find out each rate you need to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The most time-consuming way of comparing rate quotes is to drive around to local insurance agencies. The internet can eliminate the need for a local agent unless you require the personal advice of a local agent. It is possible to get the lowest quotes online and still use a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverage limits for each price quote. If the quotes have mixed coverages it will be very difficult to find the best deal for your Ford Ranger. Just a small difference in coverage limits could mean much higher rates. And when quoting auto insurance, remember that having more price comparisons helps locate a better price.

You probably qualify for some discounts

Companies don’t always list all their discounts in an easy-to-find place, so we break down both well-publicized and the harder-to-find ways to save on insurance.

  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Ranger coverage than drivers with accidents.
  • College Student – Children living away from home attending college and don’t have a car may be able to be covered for less.
  • Defensive Driver – Completing a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can get savings of up to 25% or more.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Early Signing – Some companies give discounts for buying a policy before your current expiration date. This can save 10% or more.
  • Homeowners Savings – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

Companies that may have these benefits are:

It’s a good idea to ask each company which discounts they offer. Discounts may not apply in every state.

There’s no such thing as the perfect policy

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you would benefit from professional advice.

  • Do I have newly-aquired coverage?
  • Will filing a claim cost me more?
  • Will I lose any money if I cancel my policy before it expires?
  • Are rental cars covered under my policy?
  • Which companies will insure high-risk drivers?
  • Is my babysitter covered when using my vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • What is no-fault insurance?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Beware of misleading auto insurance ads

Auto insurance companies such as State Farm, Allstate and GEICO consistently run ads in print and on television. They all seem to make an identical promise that you’ll save big if you change to their company. How does each company claim to save you money?

All the different companies have a preferred profile for the driver that earns them a profit. For example, a preferred risk could possibly be between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who matches those parameters will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t qualify for these standards will be quoted more money and ends up with business not being written. The ads state “drivers who switch” not “everybody who quotes” save that much. That’s why companies can advertise the savings. This emphasizes why drivers should quote coverage with many companies. You cannot predict which insurance companies will provide you with the cheapest Ford Ranger insurance rates.

Car insurance policy coverages for a Ford Ranger

Having a good grasp of car insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverage types available from car insurance companies.

Liability car insurance – This coverage can cover injuries or damage you cause to other people or 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. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as bail bonds, medical expenses, structural damage, emergency aid and loss of income. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for dental work, funeral costs and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage covers damage to your Ranger from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 1991 Ford Ranger.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, hail damage, fire damage and hitting a bird. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Pennies from heaven

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. In many instances, an insured cut uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at the best price.

You just learned a lot of ways to compare 1991 Ford Ranger insurance prices online. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a smaller regional carrier. They can often provide lower rates in certain areas compared to the large companies like GEICO and State Farm.

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