Save on 1999 Ford Ranger Insurance Cost

Want cheaper auto insurance rates for your Ford Ranger? I really doubt anyone anticipates paying for auto insurance, especially knowing the price is too high.

Big companies like Geico, Farmers Insurance and State Farm increase brand awareness with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

Pay discount rates with these discounts

Some companies don’t necessarily list all their discounts very clearly, so we break down a few of the more common and also the more inconspicuous credits available to you.

• Theft Deterent System – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a insurance coverage quote.
• Discount for Passive Restraints – Vehicles equipped with air bags may earn rate discounts of 20 to 30 percent.
• Driver Training Discounts – Taking a course teaching safe driver skills may get you a small discount if your company offers it.
• Drivers Ed for Students – Teen drivers should sucessfully take a drivers education course in high school.
• Multiple Policy Discount – If you can combine your auto and homeowners policy with the same company you could earn a discount of over 10 percent off each policy depending on the company.
• Discount for Low Mileage – Driving less could be rewarded with better premium rates on cars that stay parked.
• Active Military Service – Being on active deployment in the military may qualify for rate reductions.
• Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
• Discount for Life Insurance – Select insurance companies reward you with lower premium rates if you buy auto and life insurance together.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride. Any qualifying discounts will lower the premium cost.

Auto insurance companies that may have these money-saving discounts include:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

Before you buy a policy, ask every insurance company which discounts can lower your rates. Some discounts might not apply in every state. To locate companies that offer the discounts shown above, click this link.

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Your situation helps dictate your coverage

When buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine if you will benefit from professional help.

• When do I need to add a new car to my policy?
• Are rock chip repairs covered?
• Why am I required to buy liability insurance?
• Can I drive in Mexico and have coverage?
• Am I covered if I crash into my own garage door?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do all my vehicles need collision coverage?
• Where can I find DUI or SR-22 insurance?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance coverage savings promises

Respected companies like State Farm, Geico and Progressive regularly use ads on television and other media. They all seem to tend to make the same promise that you can save if you move your insurance coverage coverage to their company. How does every company charge you less for car insurance?

Companies look for specific characteristics for the right customer that earns them a profit. A good example of a driver they prefer might be described as over the age of 45, owns their home, and drives less than 7,500 miles a year. Any person that matches those criteria will get low prices and therefore will save some money.

Potential customers who are not a match for the requirements may receive higher prices and business not being written. The ad wording is “customers who switch” not “everybody who quotes” will save that much if they switch. That is how insurance companies can confidently state the savings. Because of these techniques, you should compare rate quotes every year. It’s just too difficult to predict which insurance coverage company will give you lower prices than your current company.

Car insurance 101

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

Auto liability – This coverage protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, court costs, loss of income and medical services. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, vandalism, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like chiropractic care, ambulance fees, surgery and nursing services. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – This covers damage to your Ranger from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, rolling your car, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

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Be a money saver!

We just presented some good ideas how you can save on 1999 Ford Ranger insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheaper insurance coverage. Consumers may even find the most savings is with some of the lesser-known companies. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

As you restructure your insurance plan, never skimp on coverage in order to save money. In too many instances, drivers have reduced physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

To learn more, take a look at the following helpful articles:

• Young Drivers: The High Risk Years Video (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)

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