Cheap 1997 Ford Ranger Insurance Quotes

Looking for better auto insurance rates? Shoppers have a choice when shopping for the lowest priced Ford Ranger insurance. You can either waste hours struggling with agents trying to get quotes or use the internet to make rate comparisons.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the best way to get price quotes for a new or used Ford and find the cheapest rates.

It’s a good idea to compare premium rates at least once a year because auto insurance prices tend to go up over time. Just because you found the lowest rate on Ranger coverage two years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re going to learn one of the quickest ways to reduce your cost while increasing coverage.

Buy insurance online

Reducing your 1997 Ford Ranger insurance rates can be relatively painless. Consumers just need to take a couple of minutes getting comparison quotes to see which company has low cost insurance quotes. This can be done by using one of the methods below.

The fastest and easiest way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This form eliminates the need for separate forms for every insurance company. A single form gets rate comparisons from several companies.It’s the quickest way to get rates.
A more time consuming way to analyze rates requires a trip to each company’s website to complete their respective quote request forms. For example, let’s assume you need rates from Auto-Owners, Safeco and Farmers. To find out each rate you need to navigate to each company’s site and repeatedly enter your information, which can take a lot of time. To view a list of companies in your area, click here.
The final method to compare rates is calling or driving to local insurance agencies. The ability to quote online makes this process obsolete unless you want the professional assistance that can only be provided by a licensed insurance agent. However, consumers can price shop your coverage online and still use a local agent.

However you get your quotes, ensure you are comparing equivalent deductibles and coverage limits for each price quote. If you compare different coverage information then you won’t be able to make an equal comparison.

Discounts to earn cheap insurance coverage rates

Companies that sell car insurance don’t always list every discount they offer very clearly, so the below list has some of the more common and also the lesser-known credits available to lower your premiums when you buy insurance online.

Discount for Life Insurance – Select insurance companies reward you with better premium rates if you take out life insurance.
Student Discounts – This discount could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
ABS Brakes – Cars equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
New Car Discount – Insuring a new car can cost up to 25% less compared to insuring an older model.
Discounts for Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Ranger coverage depending on your company.

As a sidenote, most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, you’re out of luck.

To view providers with discount rates, follow this link.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

Why am I required to get a high-risk car insurance policy?
Does coverage extend to a rental car in a foreign country?
What should my uninsured motorist coverage limits be in my state?
Does my liability insurance cover pulling a trailer or camper?
Is business equipment covered while in my vehicle?
Am I getting all the discounts available?
Do I have coverage when making deliveries for my home business?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Insurance coverage considerations

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like chiropractic care, nursing services, hospital visits and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Ford Ranger.

Since a lot of 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. Usually these coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage will pay to fix damage to your Ranger from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical expenses, repair bills for other people’s vehicles, funeral expenses and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, hail damage and theft. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.