Cheap 1993 Ford Ranger Insurance Quotes

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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 ...

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UPDATED: Feb 10, 2020

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Trying to find cheaper insurance rates for your Ford Ranger? I can’t think of anyone who likes having to buy insurance, in particular when the price is too high. Big-name insurance companies like State Farm, Progressive and GEICO continually bombard you with fancy advertisements and it can be hard to see through the deception and do the work needed to find the best deal.

If you have a current insurance policy or need new coverage, you can follow these tips to find the best rates while maximizing coverage. Finding affordable coverage is quite easy. Drivers just need to know the best way to get comparison rates on the web.

The easiest way to compare car insurance rates is to know the fact all the major auto insurance companies provide online access to provide you with a free rate quote. To begin a comparison, all you need to do is give them some information such as whether you are single or married, which vehicles you own, coverage limits, and if you have an active license. Your information is sent automatically to multiple different insurance companies and you get price estimates instantly to find the best rate.

When should I talk to an agent?

When it comes to choosing the best insurance coverage coverage, there is no best way to insure your cars. Each situation is unique and your policy should reflect that. For instance, these questions might point out whether or not you would benefit from professional advice.

  • When can I cancel my policy?
  • Are my friends covered when driving my 1993 Ford Ranger?
  • Where can I get insurance after a DUI in my state?
  • Do I pay less for low miles?
  • Do I need PIP coverage since I have good health insurance?
  • Can my babysitter drive my car?
  • Does my personal policy cover me when driving out-of-state?
  • Exactly who is provided coverage by my policy?
  • Are rock chip repairs covered?

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If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

Car insurance coverage information

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Liability car insurance

This coverage can cover injuries or damage you cause to people or other property by causing an accident. It 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: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, bail bonds, medical services, pain and suffering and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, a broken windshield, hail damage and falling objects. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1993 Ford Ranger.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like funeral costs, chiropractic care, pain medications and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, backing into a parked car, crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

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