How Much Does 1990 Ford Ranger Car Insurance Cost?

Scraping up a payment for overpriced Ford Ranger insurance can dwindle your bank account and put the squeeze on your family’s finances. Doing a price comparison is free and is an excellent way to cut your insurance bill. Because you have many insurance providers from which to choose, it’s difficult to choose the most affordable car insurance company.

Save on Ford Ranger insurance

Insurance can cost an arm and a leg, but you may find discounts that can drop the cost substantially. Some trigger automatically when you quote, but some may not be applied and must be requested specifically in order for you to get them. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Own a Home – Owning a home can save you money because of the fact that having a home is proof that your finances are in order.
  • No Claims – Good drivers with no accidents can save substantially when compared to accident-prone drivers.
  • Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
  • No Charge for an Accident – A handful of insurance companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company can get a discount on all vehicles.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on Ranger coverage than drivers with accidents.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. But all discounts will cut your overall premium however.

For a list of insurers who offer insurance discounts, click this link.

Lesser-known factors impacting Ford Ranger insurance rates

Consumers need to have an understanding of the rating factors that help determine the rates you pay for insurance coverage. Having a good understanding of what influences your rates enables informed choices that will entitle you to better insurance coverage rates.

  • Proper usage rating affects rates – The more you drive each year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage receive lower rates than those used for commuting. Verify your insurance coverage policy is showing the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Ranger may be costing you.
  • Your location is important – Living in a rural area has it’s advantages when buying insurance coverage. Less people living in that area means fewer accidents. Urban drivers tend to have congested traffic and longer commutes to work. Longer commute distances can result in more accidents.
  • Drive a safer car and pay less – Vehicles with high crash test scores are cheaper to insure. Safer cars protect occupants better and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Ford earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Credit scores impact insurance coverage rates – Having a bad credit history is a important factor in determining what you pay for insurance coverage. So if your credit score is not that good, you could potentially save money when insuring your 1990 Ford Ranger by improving your rating. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores.
  • Protect your assets with liability insurance – Liability coverage is the coverage that protects you when you are found liable for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Sex matters – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are better drivers. Both sexes cause accidents at about the same rate, but men have costlier accidents. Men also have more aggressive citations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive insurance coverage rates.

Tailor your coverage to you

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • When can my company non-renew my policy?
  • What are the financial responsibility laws in my state?
  • Do I need motorclub coverage?
  • Should I have a commercial auto policy?
  • Am I covered when pulling a rental trailer?
  • Is my custom paint covered by insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much underlying liability do I need for an umbrella policy?
  • How much liability insurance is required?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Detailed coverages of your car insurance policy

Understanding the coverages of car insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on most car insurance policies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Ranger.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverage – Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like court costs, bail bonds and funeral expenses. How much coverage you buy is your choice, but buy higher limits if possible.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for short-term medical expenses for things like EMT expenses, doctor visits, dental work and nursing services. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, hail damage, rock chips in glass, damage from flooding and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Shop around and save

Discount 1990 Ford Ranger insurance is attainable on the web as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance providers don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We’ve covered many ideas to get a better price on insurance. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced auto insurance comes from the least-expected company. These companies may have significantly lower rates on certain market segments compared to the large companies like Allstate and Progressive.

More information is available at the links below