Save on 1993 Ford Ranger Insurance Quotes

Looking for cheaper insurance coverage rates for your Ford Ranger? Nobody I know looks forward to paying for insurance coverage, particularly when the cost is way too high. There is such a variety of insurers to choose from, and although it’s nice to have a selection, so many choices can make it hard to find a good deal.

The best way to compare insurance rates in your area takes advantage of the fact most of the bigger providers have advanced systems to give you rate quotes. The only thing you need to do is take a few minutes to give details such as if a SR-22 is needed, types of safety features, how old drivers are, and your education level. The data is instantly provided to multiple top-rated companies and they return rate quotes quickly.

To start a quote now, click here and enter your zip code.

The car insurance bait and switch

Consumers can’t get away from ads for the lowest price auto insurance by Progressive, Geico, Allstate and State Farm. All the companies make the same claim of big savings after switching to their company.

But how can every company make almost identical claims?

Different companies are able to cherry pick for the right customer that is profitable for them. A good example of a preferred risk might be between 30 and 50, has no driving citations, and has a short commute. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will save a lot of money.

Potential insureds who don’t meet the requirements will be charged higher prices and this can result in business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the way they do. That is why you should get a wide range of price quotes. It is impossible to predict the company that will fit your personal profile best.

Discounts are available to cut your rates

Companies that sell car insurance do not list every discount very well, so we break down both the well known and the harder-to-find discounts you could be receiving. If you don’t get every credit possible, you are paying more than you should be.

  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • Homeowners Savings – Simply owning a home can save you money because of the fact that having a home shows financial diligence.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you will save approximately 10% to 15%.
  • Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Passive Restraints – Factory air bags can get savings of up to 25% or more.
  • Multiple Vehicles – Insuring multiple vehicles with the same company qualifies for this discount.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Organization Discounts – Affiliation with certain professional organizations is a good way to get lower rates on your policy on Ranger insurance.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of providers with discount car insurance rates, click here to view.

Everyone needs different coverages

When choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • How much can I save by bundling my policies?
  • What is roadside assistance coverage?
  • Is my Ford Ranger covered if I use it for business?
  • If my pet gets injured in an accident are they covered?
  • When should I remove comp and collision on my 1993 Ford Ranger?
  • Am I covered if hit by an uninsured driver?
  • What is the ISO rating for a 1993 Ford Ranger?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Specifics of your auto insurance policy

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford Ranger.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision protection

Collision coverage covers damage to your Ranger resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability car insurance

This coverage provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover 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. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like medical expenses, legal defense fees, pain and suffering and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, damage from flooding, damage from getting keyed and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like surgery, nursing services, rehabilitation expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

A little work can save a LOT of money

We covered some good ideas how to shop for 1993 Ford Ranger insurance online. It’s most important to understand that the more you quote, the better your comparison will be. Consumers may even find the best price on insurance is with some of the smallest insurance companies. These companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, Geico and Progressive.

The cheapest insurance can be sourced from both online companies and with local insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

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