Compare 1999 Ford Ranger Insurance Rates

Locating cheaper insurance for a Ford Ranger can be an all-consuming task, but you can use our auto insurance buying tips to find lower rates.

There is a better way to shop for auto insurance so you’re going to learn the quickest way to quote coverages for your Ford and obtain the lowest price from local insurance agents and online providers.

You should make it a habit to shop coverage around every six months since rates trend upward over time. Even if you think you had the best price on Ranger coverage six months ago you can probably find a lower rate today. So block out anything you think you know about auto insurance because you’re going to get a crash course in the tricks you need to know to remove unneeded coverages and save money.

If you are insured now or are shopping for new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Locating more affordable protection is easy if you know what you’re doing. Vehicle owners just need to understand how to get comparison rates on the web.

Ford Ranger rates are complex

Consumers need to have an understanding of the factors that go into determining the rates you pay for insurance coverage. Knowing what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Add-on coverages can add up – There are a lot of additional coverages you can purchase if you aren’t careful. Insurance for personal injury protection, better glass coverage and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Increase deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Ford from damage. A few examples of covered claims could be colliding with a building, collision with an animal, and burglary. Physical damage deductibles are the amount of money you are required to spend before your insurance coverage pays a claim. The more you have to pay, the bigger discount you will receive on Ranger coverage.
  • Don’t sacrifice liability coverage – Liability coverage is the protection if ever a jury decides you are liable for damages from an accident. Liability insurance provides legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Where you live can impact rates – Choosing to live in a small town has it’s advantages when insuring your vehicles. Drivers who live in large cities have to deal with congested traffic and longer commutes to work. Fewer people means reduced accidents as well as less vandalism and auto theft.
  • Where do you drive? – The higher the mileage driven each year the more you will pay for insurance coverage. Most companies charge to insure your cars determined by how the vehicle is used. Autos that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Ranger can cost quite a bit. Verify your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money.

How to Buy Auto Insurance Online

Effectively comparing auto insurance prices can be exhausting if you don’t know the best way to get rate quotes. You could spend your day driving to insurance agencies in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

All the larger companies take part in a program that allows shoppers to complete one form, and every company returns a rated price. This eliminates the need for repetitive form submissions to each company.

To get comparison pricing now click to open in new window.

One minor caviat to getting quotes like this is that you can’t choose which insurance companies you will receive quotes from. If you wish to select from a list of companies to compare prices, we have assembled a list of auto insurance companies in your area. Click to view list.

Whichever method you choose, ensure you’re using identical quote information with each company. If you are comparing different liability limits you can’t possibly determine the lowest rate for your Ford Ranger.

Don’t overlook these discounts

Car insurance can cost a lot, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be specially asked for before you will receive the discount. If you don’t get every credit you qualify for, you are paying more than you should be.

  • 55 and Retired – Mature drivers may be able to get reduced rates on Ranger coverage.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Accident Forgiveness – Some insurance companies allow you one accident before your rates go up if your claims history is clear for a set time period.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance policy qualifies for this discount.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can get savings of up to 25% or more.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So when it seems like it’s possible to get free car insurance, insurance companies aren’t that generous. But all discounts will bring down your overall premium however.

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

Is my situation unique?

When choosing coverage, there really is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • What is covered by UM/UIM coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Is a blown tire covered by insurance?
  • Is my custom paint covered by insurance?
  • Does medical payments coverage apply to all occupants?
  • What vehicles should carry emergency assistance coverage?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Specifics of your car insurance policy

Having a good grasp of your car insurance policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, theft, damage from flooding, falling objects and hitting a deer. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Ranger.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Coverage for liability

Liability coverage can cover damage that occurs to people or other property. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like funeral expenses, pain and suffering and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Collision coverage

This coverage pays for damage to your Ranger from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for things like funeral costs, doctor visits, X-ray expenses and hospital visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. 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 coverage is not an option in every state but can be used in place of medical payments coverage

A penny earned…

When trying to cut insurance costs, never reduce needed coverages to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

Cheap 1999 Ford Ranger insurance is possible on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

Drivers leave their current company for a variety of reasons including policy cancellation, delays in responding to claim requests, high prices and even high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

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