1999 Ford Ranger Car Insurance Quotes – 6 Policy Discounts

Buyers have a choice when searching for the best price on Ford Ranger insurance. You can either waste hours driving around to compare prices or use the internet to compare rates.

There are more efficient ways to buy auto insurance so we’re going to tell you the absolute fastest way to get price quotes on a Ford and find the cheapest rates from both online companies and local agents.

If you have a policy now or are shopping for new coverage, you can use these techniques to find better prices and still get good coverage. The purpose of this post is to instruct you on the best way to quote coverages and some money-saving tips. Drivers only need to know the most effective way to find the lowest price over the internet.

Drivers save money with with these six discounts

Companies don’t necessarily list their entire list of discounts very well, so the next list breaks down a few of the more well known and the harder-to-find credits that you can use to lower your rates.

• Bundle and Save – If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
• Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote auto insurance on Ranger coverage depending on your company.
• Theft Prevention System – Cars optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
• Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of up to 25% or more.
• Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies will turn a blind eye to one accident before raising your premiums if you are claim-free for a certain period of time.

It’s important to understand that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business.

Large car insurance companies and some of their more popular discounts are shown below.

• Farmers Insurance may include discounts for alternative fuel, early shopping, homeowner, youthful driver, and bundle discounts.
• Esurance may have discounts that include Switch & Save, paid-in-full, homeowner, online quote, defensive driver, good student, and claim free.
• State Farm policyholders can earn discounts including anti-theft, student away at school, driver’s education, good student, Drive Safe & Save, multiple autos, and multiple policy.
• Geico offers discounts including military active duty, anti-theft, emergency military deployment, seat belt use, air bags, multi-policy, and federal employee.
• Allstate has savings for multi-policy, farm vehicle, early signing, safe driver, good student, and premier plus.

Double check with each company or agent which discounts you qualify for. Some of the discounts discussed earlier might not be offered in every state. To locate car insurance companies that offer the discounts shown above, click here to view.

Your situation helps dictate your coverage

When it comes to buying coverage, there is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

• Where can I find high-risk insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Is pleasure use cheaper than using my 1999 Ford Ranger to commute?
• Am I covered when using my vehicle for business?
• Why does it cost so much to insure a teen driver?
• If my pet gets injured in an accident are they covered?
• Does coverage extend to Mexico or Canada?
• Do I really need UM/UIM coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

Auto insurance 101

Understanding the coverages of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage – This can cover damage that occurs to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, bail bonds, medical expenses and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, backing into a parked car, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses for pain medications, X-ray expenses and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, hail damage, a tree branch falling on your vehicle, hitting a bird and hitting a deer. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Ford Ranger.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Smart shoppers get results

Insureds switch companies for many reasons like questionable increases in premium, delays in responding to claim requests, poor customer service or extreme rates for teen drivers. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

Some insurance companies don’t offer online price quotes and most of the time these smaller providers only sell through independent insurance agencies. The cheapest 1999 Ford Ranger insurance is available on the web and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, someone dropped full coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at the lowest possible cost while still protecting your assets.

Much more information about insurance can be read below:

• Where can I buy Insurance? (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)