Compare 1994 Ford Ranger Insurance Quotes

Trying to find cheaper insurance coverage rates? Buyers have many options when searching for the best price on Ford Ranger insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to get rate quotes. There are more efficient ways to compare insurance coverage rates so we’re going to tell you the best way to quote coverages for a Ford and obtain the lowest price from both online companies and local agents.

If you have insurance now or are just looking to switch companies, you can use these techniques to cut your premiums while maintaining coverages. The purpose of this article is to instruct you on how to get online quotes and some tips to save money. Vehicle owners only need an understanding of the most effective way to compare rates online.

How to Buy Auto Insurance Online

There are several ways to compare Ford Ranger auto insurance quotes, but some are less labor-intensive and much quicker. You could waste a few hours driving to insurance companies in your area, or you can utilize the internet to get pricing more quickly.

Many companies take part in a program that enables customers to send in one quote, and at least one company provides a quote based on that data. This eliminates the need for form submissions to every company.

To fill out one form to compare multiple rates now click here to open in new window.

The single downside to using this type of form is you don’t know exactly which insurance companies to get quotes from. So if you prefer to choose individual companies to compare prices, we have a listing of auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but double check that you are using identical information on every quote. If the quotes have mixed coverages it’s not possible to determine the best price for your Ford Ranger.

Companies offer discounts so take them!

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so here is a list both well-publicized and the more hidden savings tricks you should be using. If they aren’t giving you every credit available, you are paying more than you should be.

  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Good Student – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies who might offer these discounts may include but are not limited to:

Double check with all companies you are considering how you can save money. Discounts might not be offered in every state.

Factors that might impact rates for a Ford Ranger

Consumers need to have an understanding of the factors that help determine the rates you pay for insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with better insurance rates.

The following are a partial list of the pieces used by your company to calculate rates.

  • Where do you drive? – The more you drive in a year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Vehicles that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your insurance policy is showing the correct driver usage. Incorrect usage on your Ranger can result in significantly higher rates.
  • Bad driving skills means higher rates – Whether or not you get tickets has a big impact on rates. Only having one ticket can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • More than one policy can earn a discount – Many insurance companies will award you with lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to shop around to confirm you are receiving the best rates possible. You may still find a better deal by insuring with multiple companies.
  • A lapse in coverage is a bad thing – Allowing your insurance policy to lapse is a fast way to pay more for insurance. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • You might want pay the small claims yourself – Insurance companies award discounts to people who are claim-free. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the large, substantial claims.

Do I just need basic coverages?

When buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

  • Is my 1994 Ford Ranger covered for flood damage?
  • Does coverage extend to Mexico or Canada?
  • Am I covered when delivering products for my home-based business?
  • When do I need to add a new car to my policy?
  • Am I better off with higher deductibles on my 1994 Ford Ranger?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I buy full coverage?
  • When should my teen driver be added to my policy?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Auto insurance myths debunked

Consumers can’t get away from ads for the lowest price auto insurance from the likes of Allstate and Progressive. All the ads say the same thing about savings if you switch your coverage to them.

How does each company make almost identical claims? This is how they do it.

Different companies have a preferred profile for the right customer they prefer to insure. An example of a profitable customer might be profiled as over the age of 50, has no tickets, and has a high credit rating. A propective insured who fits that profile gets the lowest rates and most likely will save a lot of money.

Potential customers who do not match the requirements will have to pay higher premiums and this can result in the customer not buying. Company advertisements say “customers that switch” not “people who quote” save that much money. This is how companies can truthfully state the savings. Because of the profiling, you absolutely need to compare many company’s rates. Because you never know which auto insurance company will give you the biggest savings on Ford Ranger insurance.

Coverages available on your policy

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses for things like dental work, prosthetic devices, doctor visits, EMT expenses and hospital visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Ford Ranger.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto liability – This provides protection from damage that occurs to a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like loss of income, medical services and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – This pays for damage to your Ranger caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, rolling your car, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, a broken windshield, hail damage, hitting a deer and a tree branch falling on your vehicle. The maximum payout your 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.

Never pay more for less

We covered a lot of ways to lower your 1994 Ford Ranger insurance rates. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest rates come from the least-expected company.

Consumers switch companies for a number of reasons such as high rates after DUI convictions, denial of a claim, extreme rates for teen drivers and questionable increases in premium. Regardless of your reason for switching companies, finding a new auto insurance company is actually quite simple.

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best price while still protecting your assets.

Much more information about auto insurance is located at the links below