View 1998 Ford Ranger Car Insurance Quotes

Trying to find low-cost insurance for a Ford Ranger can be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to compare rates for your Ford and get the cheapest rates from both online companies and local agents.

You need to compare rates every six months since insurance prices go up and down regularly. Just because you found the lowest rate on Ranger coverage six months ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about car insurance because I’m going to teach you the proper way to lower your annual insurance bill.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to get lower rates while maintaining coverages. Finding the cheapest auto insurance is simple if you know the tricks. Drivers only need an understanding of the most efficient way to find the lowest price over the internet.

The quickest method we recommend to get policy rate comparisons utilizes the fact almost all companies pay for the opportunity to provide you with a free rate quote. To begin a comparison, all you need to do is give the companies some data like how old drivers are, your occupation, if it has an alarm system, and the year, make and model of vehicles. The rating information is automatically sent to many of the top insurers and they return rate quotes within a short period of time.

Take policy discounts and save

Some insurance providers don’t always advertise every possible discount very clearly, so the next list breaks down both well-publicized as well as the least known ways to save on car insurance.

  • 55 and Retired – Mature drivers can possibly qualify for reduced rates on Ranger coverage.
  • Payment Discounts – By paying your entire bill at once rather than spreading payments over time you may have a lower total premium amount.
  • Early Switch Discount – A few car insurance companies give discounts for buying a new policy before your current policy expires. This can save 10% or more.
  • Driver’s Education for Students – Cut your cost by having your teen driver participate in a local driver’s education class if it’s offered in school.
  • Discounts for Good Drivers – Accident-free drivers can save up to 40% or more on their insurance coverage quote on Ranger coverage than less cautious drivers.
  • More Vehicles More Savings – Drivers who insure multiple cars with the same car insurance company may reduce the rate for each vehicle.
  • Data Collection Discounts – Policyholders that allow their insurance company to study driving manner through the use of a telematics system such as Progressive’s Snapshot might get better premium rates if their driving habits are good.
  • College Student – Older children who attend college more than 100 miles from home and do not have a car can receive lower rates.
  • Safety Course Discount – Passing a defensive driving course could earn you a small percentage discount and make you a better driver.

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 liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way.

Auto insurance companies that may include these discounts include:

If you want cheaper insurance coverage quotes, ask each company to apply every possible discount. Some of the earlier mentioned discounts might not apply in your state.

Which policy gives me the best coverage?

When choosing coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • Where can I find high-risk insurance?
  • Why do I only qualify for high-risk insurance?
  • At what point should I drop full coverage?
  • How high should deductibles be on a 1998 Ford Ranger?
  • Is my 1998 Ford Ranger covered for smoke damage?
  • How do I insure my teen driver?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.

Ford Ranger insurance prices can be cheaper

Multiple criteria are taken into consideration when you get a price on insurance. Most are fairly basic such as your driving record, but others are not quite as obvious such as whether you are married or your commute time.

The following are some of the factors utilized by car insurance companies to help set your rate level.

  • Your location is important – Having an address in a rural area has it’s advantages when buying auto insurance. Drivers in populated areas have congested traffic and higher rates of accident claims. Less people living in that area corresponds to lower accident rates.
  • Are men or women drivers cheaper? – Over time, data shows that females take fewer risks when driving. That doesn’t necessarily mean that females are better drivers. Females and males have at-fault accidents in similar percentages, but males have accidents that have higher claims. In addition to higher claims, males also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Young males have the highest risk to insure and therefore are the most expensive to insure.
  • How your age affects costs – More mature drivers are more responsible, cause fewer claims and accidents and are safer drivers.Teen drivers are known to get distracted easily with other occupants in the car so they pay higher auto insurance rates.
  • Auto insurance policy lapses increase rates – Not having insurance is a big no-no and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, not being able to provide proof of insurance may earn you a license revocation or jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • GPS tracking and theft deterrents systems cut auto insurance rates – Choosing a vehicle with advanced anti-theft systems can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.

Advertising and car insurance

Consumers can’t get away from ads that claim the cheapest prices from companies such as Allstate and Progressive. All the companies seem to make the promise about saving some big amount after switching your coverage to them.

How does each company have lower policy pricing? Just pay attention to how they say it.

Most companies have an ideal profile for the type of driver that earns them a profit. For example, a driver they prefer could be a mature driver, is a homeowner, and has a high credit rating. Any customer that hits that “sweet spot” is entitled to the best price and will probably cut their rates if they switch.

Consumers who cannot meet the “perfect” profile will probably have to pay a more expensive rate and this results in the prospect going elsewhere. The trick is to say “customers who switch” not “all people who quote” save that kind of money. That’s the way insurance companies can confidently make it sound like they have such great premium rates. Because of the profiling, you really should compare quotes as often as possible. It is impossible to guess which car insurance company will give you lower auto insurance rates than your current company.

Car insurance coverage considerations

Having a good grasp of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Ford Ranger.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability coverage

Liability coverage will cover injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things like attorney fees, medical services, funeral expenses, legal defense fees and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive car insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, hitting a deer, fire damage and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding 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 backing into a parked car, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills for things like doctor visits, pain medications, prosthetic devices and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

More effort can pay off

When getting insurance coverage quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, someone dropped liability coverage limits only to regret that it was a big mistake. The aim is to buy enough coverage at the best price but still have enough coverage for asset protection.

Insureds switch companies for many reasons like delays in responding to claim requests, extreme rates for teen drivers, high rates after DUI convictions and policy non-renewal. Whatever your reason, finding a great new company can be easy and end up saving you some money.

Throughout this article, we presented a lot of tips how to save on 1998 Ford Ranger insurance. The key concept to understand is the more times you quote, the better likelihood of getting affordable insurance coverage. Consumers may even find the biggest savings come from a lesser-known regional company.

To learn more, feel free to visit the resources below: