View 2002 Ford Ranger Car Insurance Rates

Locating better insurance prices for a Ford Ranger can normally be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to compare auto insurance rates so you’re going to learn the quickest way to get price quotes for a Ford and get the lowest price either online or from local insurance agents.

If you have a current insurance policy or are just looking to switch companies, you can use this information to find better prices while maximizing coverage. Finding affordable insurance can be fairly easy. Drivers just need to learn the proper methods to compare prices on the web.

Finding insurance

Getting a more affordable price on 2002 Ford Ranger insurance is actually quite simple. All that’s required is to spend a few minutes on the computer to compare rate quotes from different insurance companies. You can get a good selection of rate quotes in just a few minutes using one of these methods.

1. If you are pressed for time, the simplest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This quick form saves time by eliminating repetitive form entry for every company. Completing one form will get you price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
2. A more time consuming way to shop for insurance online consists of visiting the website for every company you want to comare and repeat the quote process again and again. For instance, we’ll pretend you want to compare prices for State Farm, Safeco and Farmers. To get rate quotes you would need to take the time to go to each site and punch in your information repeatedly, which explains why we recommend starting with the first method.

   For a list of links to companies insuring cars in your area, click here.

3. If you have time to kill, the last way to comparison shop is driving around to each insurance agency near you. Comparing rate quotes online can eliminate the need for a local agent unless you have a need for the professional assistance that you can only get from talking to an agent. Some companies do allow you to get the lowest quotes online but still have the advice of a local agent.

Whichever way you choose to compare rates, make sure you compare exactly the same quote data for every company. If each company quotes different data you can’t possibly determine the best price for your Ford Ranger.

Which policy gives me the best coverage?

When it comes to choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions might point out whether or not you may require specific advice.

• Does my policy cover me when driving someone else’s vehicle?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need PIP (personal injury protection) coverage in my state?
• How do I insure my teen driver?
• Are all vehicle passengers covered by medical payments coverage?
• Do I benefit by insuring my home with the same company?
• Does my policy pay for OEM or aftermarket parts?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Understanding the coverages of your insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability coverages

Liability insurance protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, emergency aid, funeral expenses and bail bonds. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Auto collision coverage

Collision insurance pays for damage to your Ranger resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, sideswiping another vehicle, damaging your car on a curb, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, theft, damage from getting keyed and fire damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses like ambulance fees, prosthetic devices, doctor visits and funeral costs. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Ford Ranger.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.