2002 Ford Ranger Car Insurance Rates – 7 Discounts for Best Quotes

Do you get exhausted from being strong-armed to pay auto insurance each month? You are in the same boat as many other drivers. Numerous insurers battle for your business, so it’s not easy to compare every insurer and uncover the absolute lowest rate

Smart consumers take time to get comparison quotes quite often because prices are variable and change quite frequently. Just because you found the best price for Ranger insurance a year ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the best way to find better rates and still maintain coverage.

If you have a current insurance coverage policy or are shopping for new coverage, you can use this information to reduce the price you pay while maximizing coverage. Finding affordable coverage is not that difficult. Consumers only need to know the most efficient way to compare rates on the web.

Use discounts to get cheaper auto insurance quotes

Some providers don’t list every available discount very clearly, so we researched both well-publicized as well as some of the hidden credits available to lower your premiums when you buy insurance coverage online.

• Paperwork-free – Some larger companies provide a small discount shop insurance coverage online.
• Senior Discount – Mature drivers may receive better auto insurance rates for Ranger insurance.
• Fewer Miles Equal More Savings – Driving fewer miles could qualify for cheaper auto insurancerates.
• Own a Home and Save – Owning a house can help you save on auto insurance because it is proof that your finances are in order.
• Multi-Vehicle Discounts – Purchasing coverage when you have multiple vehicles on the same auto insurance policy can get a discount for every vehicle.
• Seat Belts Save – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
• Theft Deterent System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10% off your insurance coverage quote.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, that’s just not realistic. But any discount should help lower the amount you have to pay.

A list of companies and some of their more popular discounts can be found below.

• Progressive offers discounts including multi-vehicle, online quote discount, continuous coverage, good student, homeowner, and multi-policy.
• The Hartford has discounts for driver training, vehicle fuel type, bundle, air bag, and good student.
• Mercury Insurance has savings for good student, anti-theft, multi-car, good driver, and type of vehicle.
• Geico offers discounts for good student, federal employee, membership and employees, multi-vehicle, seat belt use, anti-theft, and defensive driver.
• AAA may offer discounts for education and occupation, anti-theft, good student, pay-in-full, and AAA membership discount.
• State Farm discounts include passive restraint, defensive driving training, good driver, multiple autos, and Drive Safe & Save.

Double check with each company how you can save money. Savings might not apply in your area. If you would like to view insurance companies that have a full spectrum of discounts, click this link.

The fastest way that we advise to compare car insurance rates is to know most of the larger companies allow for online access to give free rates quotes. The only thing you need to do is give the companies some data such as driver ages, the make and model of your vehicles, how much you drive, and if you’re married. That rating data is submitted instantly to multiple different insurance companies and they return quotes immediately.

To find lower rates now, click here and enter your zip code.

Tailor your insurance coverage to you

When it comes to buying coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

• How high should deductibles be on a 2002 Ford Ranger?
• When does my teenage driver need to be added to my policy?
• Is my trailer covered?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered if I break a side mirror?
• Why am I required to buy liability insurance?
• What is covered by UM/UIM coverage?
• Are my friends covered when driving my 2002 Ford Ranger?
• How can I get high-risk coverage after a DUI?
• Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance coverage options for a 2002 Ford Ranger

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Collision coverages – This coverage will pay to fix damage to your Ranger caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hail damage, vandalism and theft. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Ranger.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverage – Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, repair bills for other people’s vehicles, attorney fees, pain and suffering and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses such as rehabilitation expenses, hospital visits and pain medications. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

More effort can pay off

We just showed you a lot of tips how to reduce 2002 Ford Ranger insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the best price on car insurance is with a small local company. These companies may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

When searching for cheap insurance coverage quotes, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The goal is to get the best coverage possible at the best price and still be able to protect your assets.

For more information, feel free to browse the articles below:

• Shopping for a Safe Car (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Rollover Crash FAQ (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)