Lower Your 1992 Ford Ranger Insurance Quotes

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 27, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for cheaper car insurance rates for your Ford Ranger? Finding cheaper insurance for a Ford Ranger can normally be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to find car insurance online, and we’ll show you the best way to quote coverages for a new or used Ford and obtain the lowest price either online or from local insurance agents.

It’s important to compare rates quite often because rates trend upward over time. Just because you found the lowest price for Ranger insurance a couple of years back, you may be paying too much now. There is too much inaccurate information about car insurance online, so with this article, you’re going to get some great ways to quit paying high car insurance rates.

Finding the best rates is easy if you know what you’re doing. If you have insurance now or are just looking to switch companies, you can use these techniques to get lower rates while maintaining coverage. Vehicle owners only need an understanding of the most efficient way to compare prices over the internet.

How to Compare Auto Insurance Costs

Performing a rate comparison can be exhausting if you aren’t aware of the best way to get rate quotes. You could waste a few hours discussing policy coverage with insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

Which method you use is up to you, but ensure you are comparing the exact same coverage and limits with every price quote. If the quotes have higher or lower deductibles than you won’t be able to determine which rate is truly the best.

Companies offer discounts, so take them!

Car insurance companies do not advertise every available discount in an easy-to-find place, so the following is a list of both the well – known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit available, you are throwing money away.

  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Driver Safety – Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Payment Method – If you pay your bill all at once instead of paying each month, you could save 5% or more.
  • Discount for Good Grades – Getting good grades can be rewarded with a saving of up to 25%. The good student discount can last until age 25.
  • Resident Student – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.

Consumers should know that many deductions do not apply to your bottom – line cost. Most only reduce the price of certain insurance coverage like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

Car insurance companies that may offer these money-saving discounts are:

  • Progressive
  • GEICO
  • State Farm
  • Esurance
  • The Hartford

Check with every prospective company which discounts you may be entitled to. Some discounts might not apply in every state.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Do I just need basic coverages?

When choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different.

These are some specific questions might help in determining if you could use an agent’s help.

  • What is UM/UIM insurance?
  • If my pet gets injured in an accident, are they covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my cargo covered for damage or theft?
  • Am I covered when driving on a suspended license?
  • When should I drop full coverage on my 1992 Ford Ranger?
  • What vehicles carry emergency assistance coverage?
  • Are all vehicle passengers covered by medical payment’s coverage?

If you can’t answer these questions, but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Ford Ranger insurance rates have many determining factors

Consumers need to have an understanding of the factors that go into determining your insurance coverage rates. When you know what positively or negatively influences your rates, it helps enable you to make changes that can help you get better insurance coverage rates.

  • Cautious drivers pay less – Good drivers get better rates compared to drivers with tickets. Even one moving violation can increase rates by twenty percent or more. Drivers who have flagrant citations like DWI, reckless driving or hit-and-run convictions may need to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Battle of the sexes – Statistics demonstrate that women are safer drivers than men. However, don’t assume that men are worse drivers. Both sexes cause accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.
  • Clean credit earns discounts – Credit rating is a huge factor in calculating your insurance coverage rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower credit ratings. So if your credit can use some improvement, you could save money insuring your 1992 Ford Ranger by spending a little time repairing your credit.
  • Your job and insurance rates – Careers like judges, business owners and financial analysts tend to have higher average rates in part of high stress levels and long work days. Conversely, professions such as pilots, engineers and retirees receive lower rates for Ranger insurance.
  • Too many insurance coverage claims drive up costs – Insurance companies give discounts to insureds who are claim-free. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for large, substantial claims.
  • Equipment add-ons that lower insurance coverage rates – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.

Do drivers who switch really save $391 a year?

Consumers constantly see and hear ads for car insurance savings by GEICO, State Farm and Progressive. They all seem to make an identical promise of big savings if you change to their company.

How does each company make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the right customer that makes them money. For example, a driver they prefer might be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A prospective insured that hits that “sweet spot” will qualify for the lowest rates and, as a result, will probably save when switching.

Consumers who don’t measure up to this ideal profile will be charged a more expensive rate and this can result in business going elsewhere. The ads say “people who switch” not “people who quote” save that kind of money. That is how insurance companies can claim big savings. That is why you should compare many company’s rates. You cannot predict the company that will fit your personal profile best.

Car insurance specifics

Knowing the specifics of a car insurance policy can be of help when determining the right coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policies.

Auto liability insurance

This coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50, which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability coverage pays for things such as attorney fees, bail bonds, pain and suffering, medical services and funeral expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1992 Ford Ranger.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payment’s coverage provide coverage for short-term medical expenses like ambulance fees, prosthetic devices, surgery, doctor visits and hospital visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible.

Comprehensive auto coverage

This pays to fix your vehicle from 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 protects against claims such as fire damage, hitting a bird, theft and falling objects. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This pays to save your vehicle from damage caused by a collision with a stationary object or other vehicle. You first must pay a deductible, then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Shop. Compare. Save.

Cheaper 1992 Ford Ranger insurance prices can be obtained from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not provide online price quotes and, many times, these small insurance companies only sell through independent insurance agents.

Throughout this article, we presented a lot of information about how to reduce insurance prices online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may even discover the biggest savings come from some lesser-known companies.

People switch companies for a variety of reasons, including poor customer service, being labeled a high risk driver, denial of a claim or even questionable increases in premiums.  It doesn’t matter what your reason, finding the right car insurance provider can be easy and end up saving you some money.

Many companies participate in an industry program where insurance shoppers submit their information once, and each company can provide price quotes for coverage. This eliminates the need for repetitive form submissions to every company. To compare 1992 Ford Ranger rates now, click here to start a free quote.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles