Cheap 1997 Ford Ranger Car Insurance Quotes

Looking for cheaper auto insurance rates for your Ford Ranger? No one likes buying auto insurance, especially when the price is too high. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with ad campaigns and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

You need to get comparison quotes on a regular basis since insurance prices are rarely the same from one policy term to another. Just because you found the best rate on Ranger coverage on your last policy other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re going to learn how to use online quotes to properly buy coverages and cut your premium.

If you have insurance now or are shopping for new coverage, you can follow these tips to find the best rates while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners just need to learn the proper way to find the lowest price online.

Buy car insurance online

There are a lot of ways to shop for car insurance, but there is one way that is more efficient than others. You could spend your day discussing policy coverages with agents in your area, or you can utilize online quotes to get pricing more quickly.

Most of the best insurance companies are enrolled in a marketplace that enables customers to submit their information once, and every company provides a quote. This eliminates the need for form submissions for each company.

To access this free quoting program, click here to open in new window.

The single downside to doing it this way is that you can’t choose the insurers you will receive quotes from. So if you prefer to choose individual companies to compare rates, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just try to use equivalent coverages for each price quote. If your comparisons have different deductibles it will be impossible to make a fair rate comparison.

Do I need special coverages?

When choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions may help you determine if you could use an agent’s help.

  • Am I getting all the discounts available?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Does coverage extend to Mexico or Canada?
  • What is the difference between comprehensive and collision coverage?
  • Which is better, split liability limits or combined limits?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk 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 It only takes a few minutes and can help protect your family.

Information about specific coverages

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like EMT expenses, surgery, doctor visits, funeral costs and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, hitting a bird and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This will pay to fix damage to your Ranger resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.


This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people. It does not 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. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comments About 1997 Ford Ranger Insurance

  1. Mario Harvey

    If you have a good history and live around Miami, FL, check out State Farm. You might get cheaper rates.

  2. Svetlana Weber

    I got quite a few price quotes for a 1997 Ford Ranger in Norfolk, VA. Ended up at darn near $100 every six months with AAA. Hopefully won’t need it. Not sure if rates are cheaper online or not. Liability only on my Ranger.

  3. Arianna Pitts

    If you have a good history and live near Burlington, VT, check out 21st Century. You might get cheaper rates. Book value doesn’t justify full coverage anymore.

  4. Raylene Roman

    I’m in Detroit, MI. Quoted prices online for a 1997 Ford Ranger. Ended up at about $90 savings annually. Went with State Farm.

  5. Marjorie Jefferson

    State Farm is decent in Honolulu, Hawaii.

  6. Louis Sanford

    Anyone buy from Auto-Owners? I’m in Oklahoma City, OK.

  7. Mazie Palmer

    What are minimum liability limits required in Colorado?

  8. Hisako Cotton

    Will Allstate cancel my policy for a liability claim?

  9. Edythe Buckner

    All companies are crooks. I live in South Burlington, VT. I quoted with Hartford, Auto-Owners, Nationwide, and a couple others for my Ford and I’m now saving $19 a month. Even increased my liability limits.

  10. Earnestine Graham

    It all costs too much. I live just to the west of Columbus, Georgia. Got car insurance rates from Safeco, Encompass, State Farm, and AIG Insurance for my Ranger and I think I saved around $30 each month. Insured with Travelers before. Ask about discounts.

  11. Deedee Shelton

    I live on the east side of Fairbanks, Alaska. Got car insurance quotes with State Farm, AAA, and Encompass for my 1997 Ford Ranger and saved $102 a year. I have a teen driver too. Online quotes are the way to go.

  12. Renate Kelley

    Does New York have minimum liability requirements?

  13. Mozell Hansen

    Will Progressive do a SR22 in Seattle, WA?

  14. Alejandrina Quinn

    Live in the southern part of Honolulu, HI. Quoted a bunch of companies. Saved right around $30 a month. Progressive was the most affordable for me. Was with Progressive. I used their online quote form to compare rates. Book value doesn’t justify full coverage anymore.

  15. Blondell Perkins

    I’m in the suburbs of Baltimore, MD. Don’t remember every company but I ended up saving about $20 each month. Was with Eastwood. I have several vehicles insured with them. Just liability coverage since it’s getting old.