1991 Ford Ranger Insurance Rates

Want lower insurance rates for your Ford Ranger? Wish you could get a refund on an underperforming, overpriced insurance policy? Believe me, there are a lot of people just like you who feel imprisoned by their insurance policy.

Popular companies such as State Farm, Geico and Farmers Insurance promote their brand names with catchy ads and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

It’s a good habit to do price comparisons on a regular basis because prices are usually higher with each renewal. Even if you got the best rates on Ranger insurance at your last renewal a different company probably has better rate quotes today. Forget all the misinformation about insurance because we’re going to demonstrate the right way to get good coverage at a lower rate.

Insurance costs are influenced by these factors

An important part of buying insurance is that you know the different types of things that are used to determine the level of your policy premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that could result in better insurance coverage rates. Lots of things are used in the calculation when premium rates are determined. Some factors are common sense such as your driving history, although some other factors are less obvious such as whether you are married or your vehicle rating.

• Raising physical damage deductibles saves money – Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your Ford. Some coverage claims are a windshield shattered by a rock, collision with an animal, and damage from a fallen tree branch. The deductibles represent how much money you are willing to pay if you file a covered claim. The more damage repair cost you choose to pay out-of-pocket, the less your insurance coverage will be on Ranger insurance.
• Alarm systems save money – Choosing to buy a car that has a built-in theft deterrent system can help bring down rates. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft and help lower rates.
• Qualify for multi-policy discounts – Lots of companies allow a discount for people who consolidate policies with them such as combining an auto and homeowners policy. The discount can be ten or even fifteen percent. Even if you already get this discount, it’s always a smart idea to shop around to confirm you are receiving the best rates possible.
• Men pay higher premiums – Statistics show that females take fewer risks when driving. However, don’t assume that women are better drivers. Men and women get in at-fault accidents in similar numbers, but males cause more damage and cost insurance companies more money. Men also statistically receive more major tickets like reckless driving and DUI.
• Use credit responsibly and save – Having a bad credit rating factor in your rate calculation. If your credit history is lower than you’d like, you could be paying less to insure your 1991 Ford Ranger by repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit.
• A coverage lapse can increase premiums – Having a lapse in insurance coverage will be a quick way to pay more for insurance coverage. And not only will your rates increase, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
• Do safer cars cost less to insure? – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety have better occupant injury protection and fewer injuries means less claims paid which can mean better rates for you. If your Ford Ranger has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Rates increase with driving citations – Careful drivers get better rates than their less careful counterparts. Having just one driving citation may cause rates to rise forty percent or more. People who have careless citations such as reckless driving, hit and run or driving under the influence may need to complete a SR-22 with the DMV in their state in order to prevent their license from being revoked.

Insurance discounts are available to cut your rates

Insurance is not an enjoyable expense, but you may qualify for discounts that can drop the cost substantially. Most are applied at the time you complete a quote, but a few must be specifically requested in order for you to get them.

• Accident-Free Discounts – Drivers with accident-free driving histories pay less as opposed to insureds who have frequent claims or accidents.
• Passenger Safety Discount – Cars that have air bags or motorized seat belts may get savings of 25 to 30%.
• Discounts for Federal Employees – Employees or retirees of the government may reduce rates when you quote insurance on Ranger insurance but check with your company.
• Discount for Swiching Early – Some companies give discounts for switching companies prior to your current policy expiration. It can save you around 10%.
• Good Student Discount – Excelling in school can earn a discount of 20% or more. Most companies allow this discount until age 25.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.

Please keep in mind that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you aren’t that lucky.

Insurance companies that may offer most of these discounts include:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

If you need lower rates, check with all companies you are considering to apply every possible discount. All car insurance discounts may not apply to policies in your area. To see insurance companies that offer the discounts shown above, click here.

Everyone needs different car insurance coverages

When choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For instance, these questions could help you determine whether or not you will benefit from professional help.

• If I drive on a suspended license am I covered?
• How much underlying liability do I need for an umbrella policy?
• Am I covered when pulling a rental trailer?
• Should I put collision coverage on all my vehicles?
• Do I really need UM/UIM coverage?
• Do I have coverage for damage caused while driving under the influence?
• Where can I get insurance after a DUI in my state?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance coverages explained

Having a good grasp of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, a tree branch falling on your vehicle, a broken windshield and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This coverage will cover damages or injuries you inflict on a person or their property. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like bail bonds, legal defense fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage protection

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

Collision can pay for claims such as rolling your car, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like funeral costs, pain medications, dental work and rehabilitation expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Ranger.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Shop. Compare. Save.

We just presented a lot of ways to lower your 1991 Ford Ranger insurance rates. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from the smaller companies. These smaller insurers can often provide lower car insurance rates in certain areas as compared to the big name companies such as Geico and State Farm.

When getting insurance quotes online, you should never reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability coverage limits only to find out that it was a big mistake. Your aim should be to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

To learn more, feel free to browse the resources below:

• Safe Vehicles for Teens (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• State Laws for Cellphones and Texting (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)