How Much Does 1995 Ford Ranger Car Insurance Cost?

Want the cheapest car insurance rates for your Ford Ranger? Trying to find the cheapest insurance for a new or used Ford Ranger can normally be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to find car insurance online and you need to know the proper way to price shop coverage for a Ford and locate the lowest possible price.

If you have a current auto insurance policy or need a new policy, you can use these techniques to cut your premiums and still get good coverage. Shopping for affordable protection is simple if you know the tricks. Vehicle owners only need to know the most effective way to buy auto insurance over the internet.

How to get affordable insurance coverage

Finding a lower price on 1995 Ford Ranger insurance doesn’t have to be difficult. The only thing you need to do is invest a few minutes to compare free insurance quotes to find out which insurance company has the cheapest insurance quotes. It is quite easy and can be accomplished by following the guidelines below.

If you are pressed for time, the simplest way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This style of form eliminates the need for a different quote to each individual insurance coverage company. One form gets prices estimates from all major companies. Recommended for those who want to invest the least amount of time.

A more difficult way to get quotes online is to manually visit each individual company website to complete their respective quote request forms. For example, let’s assume you want comparison quotes from Liberty Mutual, Farmers and Progressive. To find out each rate you need to go to each individual site to input your insurance information, which is why first method is reommended. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using exactly the same quote information for each comparison quote. If you have different values for each quote then you won’t be able to truly determine the lowest rate.

Auto insurance policy discounts

Companies offering auto insurance don’t necessarily list the entire discount list very clearly, so the following list contains a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy insurance online.

• Use Seat Belts – Requiring all passengers to fasten their seat belts can save a little off PIP or medical payments premium.
• Braking Control Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
• Driver Training Discounts – Taking part in a defensive driver class could cut 5% off your bill and make you a better driver.
• No Charge for an Accident – This one isn’t a discount, but a few companies such as State Farm and Progressive allow you one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
• Clubs and Organizations – Having an affiliation with a professional or civic organization may earn a discount on auto insurance.
• Active Military Service – Being on active deployment in the military can result in better premium rates.
• Online Discount – A few larger companies give back up to $50 for signing up on your computer.
• Discount for Low Mileage – Low annual miles can qualify you for substantially lower premium rates.

Remember that most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way.

Large auto insurance companies and a selection of discounts are:

• Travelers offers premium reductions for multi-policy, good student, continuous insurance, student away at school, driver training, and new car.
• 21st Century offers discounts including automatic seat belts, driver training, anti-lock brakes, student driver, homeowners, air bags, and 55 and older.
• State Farm discounts include safe vehicle, anti-theft, Steer Clear safe driver discount, accident-free, good driver, good student, and student away at school.
• Geico policyholders can earn discounts including five-year accident-free, military active duty, anti-lock brakes, emergency military deployment, membership and employees, good student, and seat belt use.
• SAFECO may offer discounts for teen safety rewards, safe driver, bundle discounts, anti-lock brakes, and homeowner.
• AAA includes discounts for pay-in-full, good driver, education and occupation, multi-car, multi-policy, and anti-theft.

It’s a good idea to ask each company or agent how you can save money. Some discounts might not be offered on policies in your area. To view insurance companies who offer cheap auto insurance quotes, follow this link.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

• Am I missing any policy discounts?
• What can I do if my company won’t pay a claim?
• Can I rent a car in Mexico?
• Should I buy only the required minimum liability coverage?
• Am I covered when delivering products for my home-based business?
• Does my car insurance cover rental cars?
• Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage options for a 1995 Ford Ranger

Knowing the specifics of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for short-term medical expenses for things like doctor visits, hospital visits, prosthetic devices and EMT expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision coverage – This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, damaging your car on a curb, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability – Liability insurance protects you from damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like medical services, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive coverage – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, theft and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford Ranger.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.