1993 Ford Ranger Insurance Quotes

Searching for better car insurance rates for your Ford Ranger? Having to pay for expensive Ford Ranger insurance can overdraw your checking account and maybe even restrict other spending. Doing a price comparison can save money and help to slash your bill and have more diposable income.

Many insurers vie for your business, and because of this it can be hard to compare insurance companies and get the best coverage at the best rate

If you have a current car insurance policy or are just looking to switch companies, you can learn to find better prices while maximizing coverage. Finding the best rates is not rocket science. Drivers just need to know the most effective way to shop their coverage around on the web.

How to get cheap car insurance

Finding cheaper 1993 Ford Ranger car insurance quotes is surprisingly easy. You just have to take a couple of minutes to compare free car insurance quotes from online providers. Insurance prices can be quoted using a couple different methods.

The best way consumers can analyze rates is to use a rate comparison form click to view form in new window. This easy form saves time by eliminating separate forms for each company. One simple form gets rate comparisons instantly.
A harder way to analyze rates is to take the time to go to each individual company website and repeat the quote process again and again. For sake of this example, we’ll pretend you want comparison quotes from Progressive, Liberty Mutual and State Farm. In order to get each rate, you would have to spend time going to each site individually and punch in your information repeatedly, which can get old fast. For a list of companies in your area, click here.
The most difficult method to quote and compare insurance rates is to drive around to all the different insurance agencies. Doing it all online can eliminate the need for a local agent unless you require the personal advice of a local agent. Although, it is possible compare the best prices online but buy the policy through an agent.

It’s your choice how you get your quotes, but try to use equivalent coverages for every quote you compare. If you compare different coverage information it will be nearly impossible to truly determine the lowest rate.

Cheaper car insurance rates with discounts

Not too many consumers would say car insurance is affordable, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but some need to be specifically requested before they will apply.

College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
Discounts for Cautious Drivers – Safe drivers could pay up to 40% less on Ranger coverage compared to rates paid by drivers with frequent claims.
Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
Multi-policy Discount – When you combine your home and auto insurance with the same insurance company they may give you a discount of as much as 10 to 15 percent.
Passive Restraints – Vehicles with factory air bags or motorized seat belts could see savings of 25 to 30%.

We need to note that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will definitely lower your policy cost.

Insurance companies that possibly offer some of the above discounts include:

If you are trying to find affordable car insurance quotes, ask every prospective company how many discounts you can get. Depending on the company, some discounts might not be available to policyholders in your area. If you would like to see a list of insurance companies who offer free car insurance quotes, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

Should I have a commercial auto policy?
What is no-fault insurance?
Does coverage extend to Mexico or Canada?
Am I covered if I crash into my own garage door?
Do I need replacement cost coverage?
Does my car insurance cover rental cars?
Are rock chip repairs covered?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverage considerations

Learning about specific coverages of your insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Collision – This pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses like dental work, nursing services and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird, damage from flooding and theft. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Ranger.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability auto insurance – This coverage provides protection from damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: 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 translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as medical expenses, court costs and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy higher limits if possible.

Be a smart shopper

Lower-priced 1993 Ford Ranger insurance can be purchased online and also from your neighborhood agents, so you need to quote car insurance with both to have the best rate selection. A few companies may not have price quotes online and many times these small insurance companies prefer to sell through independent insurance agencies.

We’ve covered a lot of tips how to shop for 1993 Ford Ranger insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.