1996 Ford Ranger Car Insurance Cost

Trying to find the cheapest insurance coverage rates for your Ford Ranger? Searching for the cheapest insurance for a Ford Ranger can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates. There are more efficient ways to compare insurance coverage rates so we’re going to tell you the best way to price shop coverage for your Ford and obtain the lowest price from both online companies and local agents.

You should make it a habit to do rate comparisons on a regular basis since insurance prices are constantly changing. Just because you had the best rates for Ranger coverage six months ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you one of the quickest ways to find lower rates on insurance coverage.

Buying car insurance is not rocket science. If you have a policy now or are looking for a new policy, you can use these techniques to cut your premiums while maximizing coverage. Drivers just need to understand the best way to compare company rates on the web.

Compare auto insurance rates

Comparing auto insurance rates 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) discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to quickly compare rates.

Most major companies enroll in a system where prospective buyers submit one quote, and every company provides a quote. This saves time by eliminating repetitive form submissions for every auto insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to using this type of form is you don’t know exactly the providers to get quotes from. If you wish to select specific providers to compare, we have a page of auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use equivalent coverages and limits for each comparison quote. If you use different data you can’t possibly make a fair comparison for your Ford Ranger.

More discounts mean lower-cost premiums

Car insurance is not cheap, but there could be available discounts that you may not even know about. A few discounts will be applied when you purchase, but once in a while a discount must be asked about prior to getting the savings.

Discount for Life Insurance – If the company offers life insurance, you could get lower insurance coveragerates if you buy a life policy as well.
Anti-theft System – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
Senior Discount – Drivers that qualify as senior citizens can possibly qualify for a small discount on rates for Ranger coverage.
Discount for Home Ownership – Just being a homeowner may earn you a small savings because maintaining a house is proof of financial responsibility.
Professional Organizations – Belonging to a civic or occupational organization could earn you a nice discount on your next insurance coverage statement.
Responsible Drivers – Insureds without accidents can pay as much as 50% less for Ranger coverage compared to rates paid by drivers with frequent claims.
Accident-Free Discounts – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.

It’s important to note that many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, that’s just not realistic.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

If you want inexpensive insurance coverage quotes, ask every prospective company which discounts can lower your rates. Discounts may not apply to policyholders in your area. If you would like to see a list of insurers who offer cheap insurance coverage quotes, click here to view.

It’s not one size fits all

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if your situation could use an agent’s help.

What exactly is covered by my policy?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Will I lose any money if I cancel my policy before it expires?
How high should deductibles be on a 1996 Ford Ranger?
How does medical payments coverage work?
What is the minimum liability in my state?
Is my custom paint covered by insurance?
How can I find cheaper teen driver insurance?
How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability coverages

This will cover damage or injury you incur to people or other property. It protects you from claims by other people. Liability 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 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as funeral expenses, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Ranger.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills such as EMT expenses, surgery and nursing services. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This covers damage to your Ranger resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. 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 raise the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from getting keyed and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.