1991 Ford Ranger Insurance Rates

Searching for cheaper car insurance rates for your Ford Ranger? If you are a novice to online car insurance shopping, you can easily be bewildered by the large number of online car insurance companies and websites vying for business.

It’s important to do rate comparisons once or twice a year because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Ranger insurance at your last renewal a different company probably has better premium rates today. There are a lot of ways to save on car insurance out there, but we’re going to give you some great ways to lower your car insurance bill.

Use discounts to get cheaper auto insurance rates

Some providers don’t always advertise all their discounts very clearly, so the below list has a few of the more well known as well as the least known credits that you can use to lower your rates. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Professional Memberships – Belonging to specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a insurance coverage quote.
  • Distant Student Discount – Older children who attend college more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Defensive Driver Discounts – Completing a course that instructs on driving safety may get you a small discount and easily recoup the cost of the course.
  • Waiver for an Accident – Not a discount per se, but some companies like State Farm, Progressive and GEICO will allow you to have one accident before they charge you more for coverage if your claims history is clear for a certain period of time.
  • Home Ownership Discount – Owning a home can earn you a little savings because of the fact that having a home shows financial diligence.
  • ABS Brakes – Cars and trucks with ABS and/or traction control can reduce accidents and will save you 10% or more.

Just know that some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free auto insurance policy, it’s just not the way it works.

Auto insurance companies that may have many of the previously listed discounts may include but are not limited to:

Before you buy a policy, ask all companies you are considering which discounts they offer. A few discounts may not apply to policies in every state.

Cheap car insurance quotes online

The are a couple different ways to compare rate quotes from companies that offer car insurance in your state. The best way to find the cheapest Ford Ranger insurance rates is to jump online and get quotes. This is quite simple and can be completed by using one of the methods below.

  1. One of the fastest ways to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing multiple quote forms to each individual car insurance company. Filling out one form gets coverage cost estimates from all major companies. Just one form and you’re done.
  2. Another way to find more affordable insurance is spending the time to visit each company’s website and fill out a new quote form. For example, let’s assume you want to compare prices for Nationwide, Liberty Mutual and Progressive. In order to get each rate, you would have to go to each individual site and punch in your information repeatedly, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to keep exactly the same coverages and limits for every company. If your comparisons have higher or lower deductibles it will be very difficult to truly determine the lowest rate. Just slight variations in limits could mean much higher rates. It’s important to know that comparing more quotes helps increase your odds of locating better pricing. Some regional insurers cannot provide online price quotes, so you need to compare price estimates from them, too.

Five factors that affect insurance premiums

Part of the insurance coverage buying process is learning some of the things that are used to determine the rates you pay for insurance coverage. When you understand what positively or negatively impacts your premiums, this enables informed choices that could help you find big savings.

  • Drive less and save – The higher the miles on your Ford annually the more you’ll pay to insure your vehicle. A lot of insurance companies charge to insure your cars based on how the vehicle is used. Autos that have low annual miles can get a lower rate than vehicles that are driven to work every day. Improper usage on your Ranger can result in significantly higher rates. Ask your agent if your policy reflects how each vehicle is driven.
  • Cheaper to insure gals? – Over time, data shows women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Males and females cause accidents at about the same rate, but guys have costlier accidents. In addition to higher claims, males also get higher numbers of serious violations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and therefore have the most expensive insurance coverage rates.
  • Discounts for multiple policies – Lots of insurance companies will award a discount to policyholders who carry more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even with this discount applied, consumers should still check prices from other companies to ensure the best deal.
  • Remove unneeded incidental coverages – Insurance companies have many additional extra coverages that you can get tricked into buying but may not be useful. Things like roadside assistance, better glass coverage, and Farm Bureau memberships may be wasting your money. These coverages may sound good when discussing your needs, but if they’re wasting money remove them and pocket the money.
  • Employer reflects on rates – Occupations such as real estate brokers, business owners and dentists generally have higher rates than average due to intense work-related stress and extremely grueling work hours. Conversely, careers like actors, engineers and the unemployed have lower than average premiums on Ranger insurance.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions may help highlight if your situation would benefit from professional advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my trailer covered?
  • Does having multiple vehicles earn me a discount?
  • Do I need replacement cost coverage on my 1991 Ford Ranger?
  • Is extra glass coverage worth it?
  • Is my teenager covered with friends in the car?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Can you really save that much by switching?

Respected companies like Allstate, GEICO and Progressive regularly use television, radio, and online ads. All the ads convey the message that people will save just by switching your coverage to them. How can each company sell you cheaper insurance coverage? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver they prefer to insure. For example, a driver they prefer might be described as a mature driver, carries high limits, and does not commute to work. Any driver who meets those qualifications receive the lowest rate quotes and have a good chance to pay quite a bit less when switching companies.

Insureds who are not a match for the ideal profile will be charged a higher rate and ends up with the customer buying from a different company. The trick is to say “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully make the claims of big savings.

Because of these techniques, you should do a quote comparison often. It’s not possible to predict which insurance companies will fit your personal profile best.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills such as doctor visits, funeral costs, chiropractic care, pain medications and X-ray expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability insurance

This coverage provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like funeral expenses, court costs and medical services. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, damage from flooding, falling objects, damage from getting keyed and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision coverage will pay to fix damage to your Ranger resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Ranger.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

More quotes mean more savings

Insureds leave their current company for a number of reasons such as poor customer service, high prices, an unsatisfactory settlement offer or even unfair underwriting practices. No matter why you want to switch, switching companies is not as hard as you think.

We’ve covered many tips how you can lower your 1991 Ford Ranger insurance rates. The key concept to understand is the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. You may even find the best price on car insurance is with a smaller regional carrier.

Cheaper car insurance is available on the web as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers don’t offer online rate quotes and many times these regional carriers work with independent agents.

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