How Much Does 1996 Ford Ranger Insurance Cost?

Paying more affordable coverage rates for Driverscar insurance can seem to be a challenge for beginners to comparison shopping online. People have so many companies to choose from that it can quickly become a challenge to find the perfect company for you.

Consumers need to shop coverage around at least once a year since prices fluctuate regularly. Even if you got the best rates on Ranger insurance two years ago other companies may now be cheaper. Forget all the misinformation about car insurance because you’re going to learn how to quote online to find lower rates on car insurance.

How to compare insurance rate quotes

Comparing insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You could waste a few hours talking about coverages with local insurance agents in your area, or you can stay home and use the web to get pricing more quickly.

Most of the best insurance companies participate in an industry program that enables customers to complete one form, and every company then returns a price quote based on that information. This saves time by eliminating quote requests to each company.

To participate in this free quote system, click here to open in new window.

The only downside to using this type of system is you can’t choose which providers you will receive quotes from. If you prefer to choose specific providers to compare prices, we have assembled a list of companies who write insurance in your area. Click to view list.

Whichever way you use, make sure you compare the same coverage limits and deductibles for each comparison quote. If the quotes have different deductibles you will not be able to determine the lowest rate for your Ford Ranger. Slightly different limits may cause a big price difference. It’s important to know that comparing more rates from different companies gives you a better chance of getting the best price.

These discounts can slash insurance rates

Insurance is expensive, but there may be some discounts that you may not know about. Certain discounts will be applied when you purchase, but occassionally some discounts must be asked for prior to getting the savings. If you do not check that you are getting every discount possible, you’re paying more than you need to.

• Military Rewards – Being deployed with a military unit may lower your insurance rates slightly.
• More Vehicles More Savings – Purchasing coverage when you have multiple cars on a single policy can reduce the rates for all insured vehicles.
• Safe Drivers – Drivers who don’t get into accidents could pay up to 40% less on Ranger insurance than drivers with accidents.
• No Charge for an Accident – but a few companies such as Progressive and Allstate may permit one accident before your rates go up so long as you haven’t had any claims before the accident.
• 55 and Retired – Seniors may qualify for reduced rates on Ranger insurance.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, nobody gets a free ride.

A few of the larger companies and some of the discounts include:

• Mercury Insurance offers discounts including ease of repair, multi-policy, location of vehicle, professional/association, and age of vehicle.
• Farmers Insurance includes discounts for alternative fuel, business and professional, early shopping, electronic funds transfer, and switch companies.
• Farm Bureau may offer discounts for 55 and retired, driver training, good student, youthful driver, renewal discount, and safe driver.
• State Farm offers discounts for good driver, defensive driving training, safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, anti-theft, and driver’s education.
• Allstate offers premium reductions for utility vehicle, defensive driver, economy car, anti-theft, EZ pay plan discount, and farm vehicle.
• Geico may have discounts that include daytime running lights, emergency military deployment, multi-policy, anti-theft, and membership and employees.

Before buying, ask every insurance company to give you their best rates. All car insurance discounts might not apply in your area. If you would like to see a list of insurance companies that offer multiple discounts, follow this link.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

• Is my trailer covered?
• Is a fancy paint job covered?
• Can I get a multi-policy discount?
• Will my insurance pay for OEM parts?
• Why am I required to get a high-risk car insurance policy?
• When should I not file a claim?
• Is extra glass coverage worth it?
• What can I do if my company denied a claim?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Why smart buyers pay less for Ford Ranger insurance

Many different elements are used in the calculation when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, although some other factors are less obvious such as your credit history and annual miles driven.Consumers need to have an understanding of the factors that aid in calculating your policy premiums. If you have a feel for what determines premiums, this allows you to make good choices that could result in lower rates.

Shown below are some of the most common factors used by insurance companies to determine your premiums.

• Rates also based on gender – Over the last 30 years, statistics show that men are more aggressive behind the wheel. This data doesn’t prove that females are better drivers. Females and males have fender benders at a similar rate, but the male of the species tend to have more serious accidents. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI).
• Being married pays dividends – Walking down the aisle helps lower the price on your insurance coverage policy. Marriage is viewed as being more mature and responsible and statistics show married drivers tend to have fewer serious accidents.
• Rural vs Urban Areas – Being located in small towns and rural areas can be a good thing when buying insurance coverage. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers tend to have traffic congestion and longer commutes to work. Spending more time driving means a statistically higher chance of an accident.
• Your employer and insurance coverage rates – Occupational choices like lawyers, architects and dentists usually pay higher average rates attributed to high stress and lengthy work days. Other careers such as professors, historians and homemakers have the lowest average rates on Ranger insurance.
• Cars with good safety ratings save money – Safer cars get lower rates. Vehicles built for safety reduce occupant injuries and any reduction in injury severity translates into savings for insurance companies which can result in lower premiums.
• Frequent insurance claims will cost you more – Auto insurance companies generally give cheaper rates to drivers who file claims infrequently. If you tend to file frequent claims, you can look forward to higher rates. Your car insurance is intended for major claims that would cause financial hardship.
• Liability insurance is important – Your insurance coverage policy’s liability coverage is the coverage that protects you in the event that a court rules you are at fault for an accident. It will provide you with a defense in court which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Tricks in car insurance advertising

State Farm, Geico and Progressive seem to constantly run television and radio advertisements. They all advertise the message that people will save if you just switch your car insurance policy to them. That’s great but how can every company lower your prices? It’s all in the numbers.

All companies can use profiling for a prospective insured that will generate a profit. A good example of this type of insured may be between the ages of 30 and 50, has a clean driving record, and drives a vehicle with a low ISO rating. Any new insured who fits those characteristics will probably get the lowest auto insurance rates and will most likely save some money.

Potential customers who are not a match for the ideal profile must pay more expensive rates which usually ends up with the customer buying from a different company. If you pay attention, the ads say “people who switch” not “all people who quote” save money. That’s the way companies can truthfully make claims that they all have the best premium rates. Because of these techniques, you should compare many company’s premium rates. It’s not possible to predict with any certainty which company will give you lower auto insurance rates than your current company.

The coverage is in the details

Having a good grasp of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Ford Ranger.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverages – Collision coverage will pay to fix damage to your Ranger caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, driving through your garage door, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for bills for hospital visits, chiropractic care, nursing services, pain medications and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive (Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, falling objects, hitting a deer, a broken windshield and hitting a bird. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – This can cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against other people’s claims, 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. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like emergency aid, medical expenses, structural damage and funeral expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Save your cold hard cash

Insureds change insurance companies for many reasons like not issuing a premium refund, being labeled a high risk driver, high rates after DUI convictions or even delays in paying claims. Regardless of your reason, switching auto insurance companies is not as hard as you think.

A few companies may not have online rate quotes and usually these regional carriers only sell coverage through independent insurance agents. Cheaper auto insurance is available online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis.

As you shop your coverage around, never reduce needed coverages to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to find out they didn’t have enough coverage. Your goal should be to get the best coverage possible for the lowest cost and still be able to protect your assets.

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