View 1992 Ford Ranger Car Insurance Quotes

Looking for better car insurance rates? Shoppers have lots of choices when shopping for the lowest priced Ford Ranger insurance. They can either spend hours calling around to get rate comparisons or save time using the internet to find the lowest rates.

There is a right way and a wrong way to shop for car insurance and we’ll show you the proper way to get price quotes for your Ford and locate the lowest price.

It’s smart to check car insurance prices occasionally because insurance rates change regularly. Even if you think you had the best price for Ranger coverage last year you will most likely find a better rate today. You can find a lot of misleading information regarding car insurance online, so I’m going to show you some solid techniques on how to put money back in your pocket.

Where Can I Get Cheap Auto Insurance?

Finding a lower price on 1992 Ford Ranger insurance can be quick and easy. All you need to do is take time comparing rate quotes online from several insurance companies. This is very easy and can be done in several different ways.

The most efficient way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for a different quote for each company you want a rate for. One form will return quotes from auto insurance companies with the best prices. Recommended for those who want to invest the least amount of time.

A different way to get comparison quotes requires a trip to the website for each individual company to complete their respective quote request forms. For example, we’ll assume you want to compare rates from State Farm, Esurance and Liberty Mutual. To get each rate you have to go to every website to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

The most time-consuming method of getting rate comparisons is driving around to different agent offices. The internet has reduced the need for local agents unless you have a need for the professional guidance only provided by licensed agents. You can, however, comparison shop online and still use a local agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverage limits with every price quote. If your comparisons have different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate.

These discounts can slash insurance coverage rates

The price of auto insurance can be rather high, but you may find discounts that you may not know about. Certain discounts will be applied at quote time, but a few need to be inquired about before being credited. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Air Bag Discount – Factory air bags may earn rate discounts of 20% or more.
  • E-sign – A few companies will give a small break just for signing your application on their website.
  • Club Memberships – Affiliation with a professional or civic organization is a good way to get lower rates on your policy for Ranger coverage.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Ranger coverage depending on your company.
  • Accident Waiver – Some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Military Discounts – Being on active duty in the military can result in better rates.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

For a list of companies who offer insurance coverage discounts, click here.

Ford Ranger rate determination is complex

Consumers need to have an understanding of the rating factors that help determine the price you pay for insurance. Knowing what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

The following are a partial list of the pieces insurance companies consider when setting rates.

  • Your job and insurance rates – Did you know that where you work can have an impact on rates? Occupations like real estate brokers, executives and dentists tend to have the highest average rates because of stressful work requirements and lots of time spent at work. Other occupations such as actors, historians and performers receive lower rates for Ranger coverage.
  • Credit scores impact insurance rates – Credit history is a large factor in calculating your insurance rates. Therefore, if your credit rating is not that good, you could be paying less to insure your 1992 Ford Ranger by spending a little time repairing your credit. People with excellent credit tend to be more responsible than drivers who have lower credit scores.
  • Your age impacts your rates – Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Young drivers tend to get distracted easily when behind the wheel and because of this, their insurance rates are much higher.
  • Bump up deductibles to save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Ford from damage. Examples of covered claims are colliding with a building, damage from fire, and windstorm damage. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more you’re willing to pay, the bigger discount you will receive for Ranger coverage.
  • Safer cars are cheaper to insure – Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Ford Ranger is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

When might I need the advice of an agent?

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

  • Is my 1992 Ford Ranger covered for flood damage?
  • Will filing a claim cost me more?
  • How much liability do I need to cover my assets?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does coverage extend to my business vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • How high should my medical payments coverage be?
  • What is the minimum liability in my state?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Buyer beware of insurance coverage advertising tricks

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all have a common claim that you can save after switching your policy.

How does each company make almost identical claims?

All the different companies have a preferred profile for the type of driver that makes them money. A good example of a driver they prefer could possibly be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. A propective insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who fall outside these standards will have to pay a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much. That is how insurance companies can state the savings.

Because of the profiling, it is so important to get quotes from several different companies. It’s impossible to know which insurance companies will give you the biggest savings on Ford Ranger insurance.

Specific coverages for a 1992 Ford Ranger

Knowing the specifics of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.


This can cover injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles, emergency aid, pain and suffering and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for collisions

This 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 insurance covers things such as colliding with another moving vehicle, sideswiping another vehicle, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses such as EMT expenses, surgery, rehabilitation expenses, doctor visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Knowledge is power

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Cheap 1992 Ford Ranger insurance is attainable on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

In this article, we covered a lot of ways to shop for insurance online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may even find the most savings is with the smaller companies.

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