1993 Ford Ranger Insurance Quotes – 6 Tips for Cheaper Rates

Looking for better auto insurance rates for your Ford Ranger? Trying to come up with a payment for overpriced auto insurance can dry up your bank account and make it impossible to make ends meet. Shopping your coverage around is an excellent way to make sure you’re not throwing money away.

Numerous insurance companies battle to insure your vehicles, so it can be very hard to choose a insurance company to find the lowest price

Consumers need to do rate comparisons before your next renewal because insurance rates are variable and change quite frequently. Despite the fact that you may have had the best premium rates for Ranger coverage on your last policy you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn one of the easiest ways to save money, get proper coverage and the best rates.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. Finding the best rates is not that difficult. But car owners do need to know how big insurance companies sell online and use this information to your advantage.

Cheap insurance quotes with discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts to help offset the cost. Many discounts should be triggered when you quote, but some discounts are required to be inquired about before they will apply. If you aren’t receiving every discount you qualify for, you could be saving more on your insurance.

• Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get cheaper premium rates.
• Senior Citizens – If you’re over the age of 55, you are able to get better insurance rates for Ranger coverage.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
• ABS Brakes – Cars and trucks with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• Auto/Home Discount – If you can bundle your home and auto insurance and insure them with the same company you could get a discount of up to 20% and get you affordable insurance.
• E-sign Discounts

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Some of the larger companies that may have these benefits possibly include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Before buying, ask every prospective company which credits you are entitled to. Some of the earlier mentioned discounts may not be offered in your area.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help you determine whether you may require specific advice.

• Is my nanny covered when driving my vehicle?
• What happens if I owe more than my 1993 Ford Ranger is worth?
• Does my personal policy cover me when driving out-of-state?
• How do I insure my teen driver?
• Am I covered if my car is in a flood?
• Do I need roadside assistance coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered by my spouse’s policy after a separation?
• Do I pay less if my vehicle is kept in my garage?
• Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance policy specifics

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverage

Collision insurance covers damage to your Ranger resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as dental work, prosthetic devices, surgery, hospital visits and funeral costs. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, hitting a bird, rock chips in glass, a tree branch falling on your vehicle and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance can cover damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical expenses, loss of income, repair bills for other people’s vehicles and court costs. How much coverage you buy is your choice, but buy higher limits if possible.

Don’t be a big spender

Some insurance companies may not have price quotes online and usually these smaller providers work with local independent agents. Cheaper car insurance is possible both online in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

In this article, we presented a lot of ways to save on 1993 Ford Ranger insurance. It’s most important to understand that the more times you quote, the higher your chance of finding affordable insurance. You may even find the biggest savings come from some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Progressive and Geico.

While you’re price shopping online, you should never reduce coverage to reduce premium. There are a lot of situations where an insured cut liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

More tips and info about car insurance is located in the articles below:

• What Does No-Fault Insurance Cover? (Allstate)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Property Damage Coverage (Liberty Mutual)