Cheaper 1993 Ford Ranger Insurance Rates

Trying to find the cheapest auto insurance rates for your Ford Ranger? Comparison shopping for auto insurance is always difficult for people who are new to buying insurance online. There are so many choices that it can be more work than you anticipated to compare prices.

You should take the time to compare rates periodically because rates change frequently. Just because you had the best deal for Ranger coverage two years ago there may be better deals available now. Don’t believe everything you read about auto insurance on the internet, so I’m going to show you a lot of great tips on how to find cheap auto insurance.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to save some money using these methods. Nevertheless, consumers need to have an understanding of the way companies price insurance differently and take advantage of how the system works.

Cheap Auto Insurance Comparisons

There are a variety of methods you can shop for 1993 Ford Ranger auto insurance but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

All the larger companies take part in a program that allows shoppers to submit one quote, and at least one company then returns a price quote based on the submitted data. This prevents consumers from doing form submissions to each individual auto insurance company. To submit your quote information now, click to open in new window.

The only downside to using this type of form is you cannot specify which carriers to get pricing from. If you prefer to choose specific insurance companies to compare prices, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples information with each company. If you use different deductibles you can’t possibly determine the best price for your Ford Ranger. Having just a slight variation in coverages may result in large price differences. Just remember that getting more free quotes will improve the odds of getting a lower rate.

Elements that influence Ford Ranger insurance rates

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

The list below includes some of the items that factor into rates.

  • Save money with special equipment – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
  • Discounts for multiple policies – Most insurance companies will award you with lower prices to customers who have multiple policies with them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare other company rates to verify if the discount is saving money.
  • Increase deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Ford from damage. Examples of covered claims could be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before your insurance pays a claim. The more expense you’re willing to pay, the less your company will charge you for insurance for Ranger coverage.
  • Liability coverage is cheap – Liability insurance will protect you in the event that a court rules you are at fault for damages from an accident. Liability provides legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not skimp.
  • How your age affects price – Young drivers are statistically proven to be careless and easily distracted in a vehicle so insurance rates are higher. Mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers.

Are you getting all your discounts?

Companies don’t always list all their discounts very clearly, so we took the time to find both well-publicized and the harder-to-find insurance savings.

  • E-sign – A few companies may give you up to $50 for buying your policy on their website.
  • Memberships – Belonging to a civic or occupational organization may earn a discount when shopping for insurance for Ranger coverage.
  • Resident Student – Kids in college who are attending college and do not have a car can receive lower rates.
  • Multiple Cars – Insuring all your vehicles with the same company qualifies for this discount.
  • Driver Safety – Completing a defensive driving course could save 5% or more depending on where you live.
  • Life Insurance Discount – Larger companies have a break if you buy life insurance from them.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Ranger coverage with a few insurance companies.

It’s important to note that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

A partial list of companies that may offer these discounts include:

Before buying, ask all companies you are considering what discounts are available to you. Discounts might not apply in your state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

For instance, these questions may help you determine whether your personal situation might need professional guidance.

  • What should my uninsured motorist coverage limits be in my state?
  • Why do I need rental car insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Should I sign the liability waiver when renting a car?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need PIP coverage since I have good health insurance?
  • Can I make deliveries for my home business?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.

Coverage specifics

Learning about specific coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as rehabilitation expenses, hospital visits and X-ray expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance – This coverage can cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like bail bonds, court costs, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, hitting a bird, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – Collision insurance will pay to fix damage to your Ranger resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, crashing into a ditch and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

One last thing about your coverage

In this article, we covered a lot of information how to reduce 1993 Ford Ranger insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may even find the best prices are with the smaller companies.

Budget-conscious insurance is attainable online and with local insurance agents, and you need to price shop both to have the best rate selection. A few companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

When shopping online for insurance, it’s very important that you do not skimp on coverage in order to save money. In too many instances, someone dropped full coverage and learned later that the savings was not a smart move. The aim is to get the best coverage possible at an affordable rate.

Even more information can be found in the articles below: