Cheap 2001 Ford Ranger Car Insurance Quotes

Looking for better insurance rates for your Ford Ranger? Finding better insurance prices for a new or used Ford Ranger can be difficult, but you can use the following methods to make it easier. There is a better way to find insurance online and we’ll show you the best way to get price quotes on a Ford and locate the best price possible from local insurance agents and online providers.

Finding affordable coverage is not that difficult. If you have a policy now or are just looking to switch companies, you can follow these tips to reduce the price you pay and still get good coverage. Drivers only need to know the proper methods to find the lowest price online.

Compare the Market for Auto Insurance

Performing a rate comparison can be a daunting task if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) driving to insurance companies in your area, or you can stay home and use online quoting to get prices fast.

Many of the larger companies belong to a marketplace where insurance shoppers enter their coverage request one time, and each company then gives them pricing based on that data. This system prevents you from having to do form submissions for every auto insurance company.

To submit your quote information now, click here to start a free quote.

The only downside to getting quotes like this is that consumers can’t choose which carriers to receive prices from. So if you prefer to choose individual companies to compare prices, we have assembled a list of auto insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but ensure you are comparing the exact same coverage limits on every quote. If you use differing limits it will be impossible to make an equal comparison.

Different people need different coverages

When choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions can help discover whether you will benefit from professional help.

  • Is my custom paint covered by insurance?
  • Is a blown tire covered by insurance?
  • Should I bundle my homeowners policy with my auto?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When should I not file a claim?
  • How can I force my company to pay a claim?
  • When should my teen driver be added to my policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • When can my company non-renew my policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Ranger.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

Collision insurance covers damage to your Ranger caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, a broken windshield and theft. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for 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. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as court costs, attorney fees and medical services. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, prosthetic devices, pain medications and funeral costs. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible