1996 Ford Ranger Insurance Rates

Buyers have a choice when searching for the lowest priced Ford Ranger insurance. They can either spend hours driving around to get rate comparisons or use the internet to make rate comparisons.

There is a right way and a wrong way to shop for insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used Ford and find the lowest price.

It’s a great practice to check insurance prices periodically since rates are usually higher with each renewal. Despite the fact that you may have had the best price for Ranger coverage two years ago a different company probably has better rates today. Ignore everything you know about insurance because we’re going to demonstrate the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you are insured now or are shopping for new coverage, you can learn to find the best rates and possibly find even better coverage. The purpose of this article is to help you learn how to get online quotes and some tips to save money. Drivers only need to know the proper way to shop for insurance online.

Finding Insurance Coverage

Reducing your 1996 Ford Ranger insurance rates can be relatively painless. All that’s required is to invest a few minutes to get quotes online from several insurance companies. This can be done in a couple of different ways.

One of the simplest ways to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do boring form submissions to each individual insurance coverage company. A single form will get you price quotes from several companies. Just one form and you’re done.

A more time consuming way to find lower rates requires you to visit the website for each individual company to complete a price quote. For example, let’s assume you want to compare Allstate, Farmers and Progressive. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

The hardest way to get comparison rates is to spend time driving to insurance agents’ offices. Shopping for insurance coverage online has reduced the need for local agents unless you have a need for the professional guidance of a local agent. You can, however, find lower rates online and get advice from an agent in your area and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make sure you use apples-to-apples quote information for every company. If the quotes have different limits and deductibles on each one it will be impossible to find the best deal for your Ford Ranger.

Save with discounts on 1996 Ford Ranger insurance

Insuring your fleet can be pricey, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but some must be manually applied before you will receive the discount. If they aren’t giving you every credit available, you are paying more than you should be.

Driver Safety – Completing a defensive driving course can save you 5% or more depending on where you live.
Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
Drivers Education – Require your teen driver to complete a driver education course if offered at their school.
Homeowners Discount – Being a homeowner may trigger a insurance coverage policy discount because of the fact that having a home shows financial diligence.
Drive Safe and Save – Safe drivers may save up to 50% more for Ranger coverage than drivers with accident claims.
Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.

Keep in mind that most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.

For a list of providers offering insurance coverage discounts, click here to view.

Tailor your coverage to you

When choosing coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help highlight whether or not you could use an agent’s help.

Do I need roadside assistance coverage?
Why is insurance for a teen driver so high?
Is my babysitter covered when using my vehicle?
Does my 1996 Ford Ranger qualify for pleasure use?
Does my insurance cover my expensive audio equipment?
Do I need motorclub coverage?
Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage specifics

Understanding the coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, hail damage, a tree branch falling on your vehicle and fire damage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

This coverage will pay to fix damage to your Ranger caused by collision 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 can pay for things like damaging your car on a curb, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for rehabilitation expenses, surgery, nursing services, pain medications and prosthetic devices. They are used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage provides protection from damage that occurs to a person or their property. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like medical expenses, attorney fees, legal defense fees and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.