1999 Ford Ranger Car Insurance Rates – 8 Tips for Best Quotes

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Trust us when we tell you you’re not alone.

Big companies like Progressive, State Farm and Geico continually bombard you with TV and radio ads and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Comprehensive Insurance Coverage Comparison

There are a variety of methods you can shop for 1999 Ford Ranger insurance coverage and some are easier and takes less work. You can spend countless hours talking about coverages with insurance agencies in your area, or you could use the web to accomplish the same thing much quicker.

Many companies participate in a marketplace that allows shoppers to send in one quote, and each company provides a quote. This saves time by eliminating repetitive form submissions for each company.

To find out how much you’re overpaying now click to open in new window.

The only drawback to comparing rates this way is you are unable to specify the insurers to receive prices from. So if you prefer to pick from a list of companies to compare prices, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

It’s up to you which method you use, but double check that you are using the exact same quote information for every company. If your comparisons have different values for each quote it’s impossible to find the best deal for your Ford Ranger. Slightly different insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, having more price comparisons will increase your chances of finding the best offered rates.

Are you getting all your discounts?

Companies that sell car insurance don’t always publicize all available discounts very well, so here is a list some of the best known and also the lesser-known insurance savings.

  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Senior Citizens – Older drivers may receive a discount up to 10% on Ranger coverage.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Ranger coverage with select insurance companies.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Ranger coverage than less cautious drivers.
  • Student in College – Kids in college who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Multi-policy Discount – When you have multiple policies with one insurance company you will save 10% to 20% off each policy.

Consumers should know that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies that possibly offer these money-saving discounts include:

Before buying, ask each company what discounts are available to you. Savings may not be available in your area.

Tailor your coverage to you

When it comes to choosing coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out if your situation will benefit from professional help.

  • Does my liability insurance cover pulling a trailer or camper?
  • Can I still get insurance after a DUI?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when driving someone else’s vehicle?
  • Can I afford to buy a different vehicle if my 1999 Ford Ranger is totaled?
  • Do I pay less for low miles?
  • I have health insurance so do I need medical payments coverage?
  • Is my 1999 Ford Ranger covered for smoke damage?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Insurance coverage considerations

Having a good grasp of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Coverage for medical payments

Med pay and PIP coverage pay for expenses for X-ray expenses, prosthetic devices, pain medications, doctor visits and hospital visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

This provides protection from damage that occurs to people or other property in an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like repair costs for stationary objects, attorney fees, bail bonds, funeral expenses and legal defense fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Ranger.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

This pays for damage to your Ranger resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, rolling your car, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, a tree branch falling on your vehicle and fire damage. 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.

Be a smart shopper

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an insured cut comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your goal should be to find the BEST coverage at an affordable rate.

You just learned a lot of ways to get a better price on 1999 Ford Ranger insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may even discover the lowest premiums are with the least-expected company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive and Geico.

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