1994 Ford Ranger Car Insurance Cost

Trying to find better car insurance rates for your Ford Ranger? Having to pay for pricey car insurance can sap your bank account and force you to make sacrifices. Doing a rate comparison is an excellent way to make sure you’re not throwing money away.

There are many insurers to choose from, and even though it’s nice to be able to choose, it makes it harder to compare rates and cut insurance costs.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you will be able to cut costs considerably using this information. Nevertheless, consumers benefit from understanding how big insurance companies compete online and take advantage of how the system works.

How to shop car insurance online

There are several ways to compare rate quotes from car insurance companies in your area. The easiest way to find the cheapest 1994 Ford Ranger insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

  1. The most recommended method to find low rates is a comparison rater form click to view form in new window. This method prevents you from having to do separate quote forms for every company. A single, simple form gets you coverage quotes from several companies.
  2. A less efficient way to analyze rates is to manually visit the website for every company you want to comare and complete a new quote form. For example, we’ll pretend you want comparison quotes from Nationwide, Farmers and State Farm. In order to compare rates, you need to navigate to each company’s site and type in your information over and over, which can get old fast.

    To view a list of companies in your area, click here.

Whichever way you use, do your best to enter nearly identical coverage information on every quote you get. If you enter different deductibles you will not be able to determine the best price for your Ford Ranger. Even a minor difference in insurance coverages may result in large price differences. And when quoting car insurance, remember that getting more free quotes will increase your chances of finding the best rates.

Save a ton with discounts

Some insurance providers don’t always publicize all disounts in a way that’s easy to find, so the list below details both well-publicized and the harder-to-find discounts that you can inquire about if you buy insurance online.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if offered at their school.
  • Discount for Low Mileage – Driving less could earn discounted prices on garaged vehicles.
  • Active Military Service – Having a family member in the military could mean lower rates.
  • Club Memberships – Being a member of certain professional organizations is a simple method to lower premiums on your policy.
  • Seat Belt Discounts – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and that can save you a little bit as well.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. Even though it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

To find insurance companies who offer free car insurance quotes, click here to view.

What is the best insurance coverage coverage?

When buying adequate coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions could help you determine whether your personal situation will benefit from professional help.

  • Does insurance cover damages from a DUI accident?
  • What is covered by UM/UIM coverage?
  • Am I covered if I break a side mirror?
  • Am I covered when using my vehicle for business?
  • Is a blown tire covered by insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

How your Ranger insurance rates are determined

Many different elements are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but other criteria are not quite as obvious like your vehicle usage and annual miles driven.Consumers need to have an understanding of some of the elements that help calculate the price you pay for insurance coverage. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Bundle policies and save money – Most companies allow better rates for people who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you qualify for this discount already, consumers should still shop around to guarantee you are still saving the most.
  • Your location is a factor – Residing in less populated areas is a good thing when it comes to insurance coverage. Fewer drivers translates into fewer accident claims. Urban drivers have to deal with much more traffic and much longer commute distances. More time commuting means more chances of being involved in an auto accident.
  • Extra policy coverages are wasting money – There are a lot of extra coverages that you can get tricked into buying on your Ranger policy. Coverages like personal injury protection, towing, and extra life insurance coverage may not be needed and are just wasting money. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so remove them and pocket the money.
  • No policy claims equals lower rates – Auto insurance companies generally give lower rates to people who do not file claims often. If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • Car insurance liability insurance limits – The liability section of your policy is the coverage that protects you in the event that you are found liable for personal injury or accident damage. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Get hitched and pay lower prices – Having a wife or husband may earn you lower rates on your insurance coverage bill. Having a spouse is viewed as being less irresponsible and insurance companies like that drivers who are married are more cautious.
  • A coverage lapse can increase rates – Driving with no insurance is against the law and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, getting caught without coverage will get you fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

The coverage is in the details

Understanding the coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical expense coverage – Coverage for medical payments and/or PIP pay for bills like X-ray expenses, EMT expenses, prosthetic devices and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Ranger.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, vandalism, a tree branch falling on your vehicle and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage – Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

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 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, repair bills for other people’s vehicles, legal defense fees, emergency aid and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Saving money is sweet as honey

Discount 1994 Ford Ranger insurance is attainable on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not have internet price quotes and many times these small insurance companies prefer to sell through independent agents.

We covered a lot of ways to shop for 1994 Ford Ranger insurance online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance is with a small local company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There have been many cases where consumers will sacrifice physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

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Comments About 1994 Ford Ranger Insurance

  1. Paul Lott

    It’s all a rip off. I live south of San Diego, CA. Got prices from The General, American Family, Safeco, and a couple others for my 1994 Ford Ranger and saved just over $60 a year. Insured with Auto-Owners before. Have a couple speeding tickets too. Might find lower rates online.

  2. Dallas Lamb

    I got decent rates for a 1994 Ford Ranger in Davenport, Iowa. Ended up at about $100 every six months with AAA. Left GEICO to switch. They offer free online rate quotes.

  3. Emery Blanchard

    I can’t pay high rates. I’m in the north part of Rapid City, SD. Quoted a bunch of companies. Saved roughly $30 a month. GEICO was the cheapest for me. I get lower rates because of my clean driving record. I recommend comparing lots of rates.

  4. Vada Hunt

    Progressive has the cheapest rates in Virginia. No comparison.

  5. Jarvis Berger

    IT’S ALL TOO EXPENSIVE! Located in Paterson, New Jersey. Quoted with GEICO, Eastwood, and GMAC for my 1994 Ford Ranger and saved $95 a year. I’m a pretty low risk driver. I used their website to get prices. It’s only liability tho.

  6. Tamiko Tyson

    Well-written and thought out article. I live on the west side of Denver, Colorado. I quoted with Progressive, American Family, and some I forget for my 1994 Ford Ranger and saved $62 a year. Even increased my liability limits.

  7. Florrie Schwartz

    I compared a lot of rate quotes for a 1994 Ford Ranger in Kansas City, KS. Ended up at darn near $100 every six months with Auto-Owners. I don’t have comp or collision coverage.

  8. Salome Sweeney

    I live east of Nampa, Idaho. Can’t remember who all I quoted but I ended up saving about $10 each month. Not worth enough to pay for comprehensive and collision.

  9. Dawne Patton

    From Bangor, ME. Quoted quotes with Mercury, Eastwood, Progressive, and AAA for my Ranger and saved just over $70 a year. Left Hartford to switch. Full coverage costs too much.

  10. Jody Burgess

    I found affordable 1994 Ford Ranger insurance from Progressive in Columbia, SC.

  11. Dot Stark

    Here’s what I found out. Went with 21st Century for my 1994 Ford Ranger and cut my rates about $100 a year. Thankfully I have a good driving record.

  12. Armanda Herman

    For me, Allstate was by far the cheapest in Las Vegas, Nevada.

  13. Fran Mcintyre

    I live east of Bridgeport, CT. Got car insurance prices from AIG Insurance, Safeco, and Travelers for my Ranger and saved just over $100 a year. Hopefully won’t need it. Not sure about claim service.

  14. Analisa Harrington

    I’m in the north part of Boise, Idaho. Got car insurance quotes from USAA, Auto-Owners, Liberty Mutual, and Mercury for my Ranger and I think I saved around $20 each month. :P

  15. Jarrett Aguirre

    Checking in from Rochester, NY. Got prices from AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my 1994 Ford Ranger and saved just over $110 a year. Have an at-fault accident tho. I recommend comparing lots of rates. My Ford doesn’t have full coverage.

  16. Maire Snow

    Enjoyed the article. From a town just southwest of Memphis, TN. I quoted with MetLife, Farmers, State Farm, and Auto-Owners for my 1994 Ford Ranger and saved $110 a year. Might find lower rates online. I don’t insure for physical damage though.

  17. Tracie Hull

    I chose to switch to Progressive from Amica. I live in Tucson, AZ. Left Progressive to switch. I dropped full coverage awhile back.