1998 Ford Ranger Car Insurance Quotes

Looking for the cheapest insurance rates for your Ford Ranger? Tired of paying out the nose to buy insurance? You’re in the same situation as millions of other consumers.

There are many insurance companies to pick from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the lowest rates.

You need to quote other rates once or twice a year since rates are usually higher with each renewal. Just because you had the best deal on Ranger insurance on your last policy there may be better deals available now. Ignore everything you know about insurance because you’re about to find out how to use the internet to find the best coverage while lowering your premiums.

Finding affordable coverage is not rocket science. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. But drivers must understand how companies price online insurance and use this information to your advantage.

How much does auto insurance cost?

There are multiple methods you can shop for auto insurance but one way is easier and takes less work. You can spend your afternoon talking to agents in your area, or you could use online quoting to get the quickest rates.

Many insurance companies are enrolled in a marketplace where insurance shoppers send in one quote, and at least one company then gives them pricing based on that information. This prevents consumers from doing repetitive form submissions to each company.

To access this free quoting program, click here to start a free quote.

The only downside to using this type of system is you can’t choose the providers to receive prices from. If you would rather choose individual companies to receive pricing from, we have a page of auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but be certain you are entering identical coverage information for every company. If you are comparing different deductibles it’s not possible to make a fair comparison for your Ford Ranger. Even a minor difference in insurance coverages may cause a big price difference. It’s important to know that comparing more rates from different companies helps you find a better price. Not every company allows you to get online price quotes, so it’s important to also get price estimates from those companies as well.

Save with these discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time you complete a quote, but some must be specially asked for prior to receiving the credit.

• Sign Online – Some companies may give you up to $50 simply for signing on the internet.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and qualify for as much as a 10% discount.
• Multiple Policy Discount – If you can combine your auto and homeowners policy with the same company you will save nearly 15% which can help you find cheap car insurance.
• Save with More Vehicles Insured – Purchasing coverage when you have several vehicles on a single policy can reduce the rates for all insured vehicles.
• Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
• Senior Citizens – Seniors could receive a small discount on rates on Ranger insurance.
• Use Seat Belts – Requiring all passengers to fasten their seat belts could save 15% off PIP or medical payments premium.
• Discounts for Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates on Ranger insurance as compared to drivers with claims.
• Military Deployment Discount – Having a deployed family member could mean lower rates.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free insurance policy, companies don’t profit that way. Any amount of discount should help lower the amount you have to pay.

Companies that may offer quotes with most of these discounts include:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

Check with all the companies which credits you are entitled to. Discounts may not be offered in your area. To locate insurers that offer multiple discounts, follow this link.

Special considerations

When choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine if your insurance needs might need professional guidance.

• Why am I required to buy liability insurance?
• I have health insurance so do I need medical payments coverage?
• What is UM/UIM insurance?
• Why does it cost so much to insure a teen driver?
• Should I buy full coverage?
• How high should my medical payments coverage be?
• Do I need added coverage for expensive stereo equipment?
• When should I buy a commercial auto policy?
• Do I need more liability coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverages for a Ford Ranger

Knowing the specifics of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Collision coverage protection

This coverage will pay to fix damage to your Ranger resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as scraping a guard rail, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills such as pain medications, chiropractic care, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Ford Ranger.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass, vandalism and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

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 limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like repair costs for stationary objects, repair bills for other people’s vehicles, bail bonds, medical expenses and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.