Compare 2004 Ford Ranger Insurance Rates

Searching for the cheapest car insurance rates for your Ford Ranger? Finding lower rates for car insurance is always difficult for consumers new to buying insurance online. Consumers have so many options available that it can easily become a real challenge to compare prices.

The quickest method to compare policy rates is to realize almost all companies provide online access to compare rate quotes. The only thing you need to do is provide details like if the car is leased, if a SR-22 is required, if your license is active, and driver details. Those rating factors is instantly sent to multiple companies and they respond with quotes quickly.

To start a quote now, click here and find out if lower rates are available.

Cut your premium with discounts

Auto insurance companies do not advertise every discount very clearly, so we break down both well-publicized and also the lesser-known discounts you could be receiving.

  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • No Claims – Good drivers with no accidents can save substantially when compared to frequent claim filers.
  • Homeowners Discount – Owning a home can help you save on insurance because of the fact that having a home shows financial diligence.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Paperwork-free – A handful of insurance companies may give you up to $50 just for signing your application over the internet.
  • Driver Safety – Successfully completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance from them.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way.

Companies that may offer these benefits may include but are not limited to:

Before buying, ask each insurance company what discounts are available to you. Some discounts might not apply in your state.

What is the best insurance coverage?

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Do I need replacement cost coverage on my 2004 Ford Ranger?
  • If my pet gets injured in an accident are they covered?
  • Why am I required to buy liability insurance?
  • Why am I required to buy high-risk coverage?
  • Do all my vehicles need collision coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does having multiple vehicles earn me a discount?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Specifics of your insurance policy

Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, hitting a deer and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Ranger.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability insurance – Liability insurance will cover damage that occurs to people or other property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things like repair costs for stationary objects, legal defense fees and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage provide coverage for bills like pain medications, funeral costs, EMT expenses, rehabilitation expenses and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage will pay to fix damage to your Ranger caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, crashing into a building, hitting a parking meter, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.