Should I consider a Ranger living in a major city? - Ranger-Forums - The Ultimate Ford Ranger Resource


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  #1  
Old 4 Days Ago
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Join Date: May 2018
Location: Bronx, NY
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Should I consider a Ranger living in a major city?

Hey all, just turned 18 and got my D license and all is fine and dandy, excited to get driving :) However, as an 8 year old male, insurance is a killer. My location makes this even worse, I did quotes on various 15-20 year old vehicles and was utterly dumbfounded by the numbers.
Iím not really looking for any one thing in particular at the minute, I just want a reliable starter vehicle that I will be able to use to learn all about vehicles, how they work, and get into maintainable (maybe even repairs!). This put basic Japanese cars (such as the Toyota Corolla) on my radar from the get go. I also have a soft spot for small trucks like the Ranger, and I was happy to learn that they tend to be very reliable. I never thought I say it, but as. New Yorker, I am genuinely looking at potentially getting a small truck.

The insurance numbers are very promising.. going for the Ranger on my own policy saves me about $2.5 ($6k a year vs 8.5k) over the basic Japanese cars like the Corolla. Iíd be going on my parentís insurance, so it would be much less but the difference would still remain.

The big issue is that Iím not going to be using it to itís potential. While I am considering eventually going into trades, at the current moment I will be entering college and wonít be using it for any sort of work. The only hobby I have that requires a lot of transport space is woodworking. Most of the time, that bed would be empty and I would be be driving around a 2 seater vehicle that gets low mpg. The only major benefits I can think of are the ease of winter driving and not having to give rides all the time :P.

I have a lot of thinking to do before I go out and make any purchase of a vehicle, though because this is so alien to me Iíd figured Iíd ask those who know the truck, as you guys should be able to give me good advice :). I really appreciate any and all replies and comments on my situation. Thanks a lot for reading!
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Look at the numbers on Toyota Camry its a heavier car than Corolla so rides much better, 4 door with 4cyl engine tends to be lower insurance, i.e. not a "racer"
And they are reliable and Front wheel drive so good in the snow

4cyl Ranger regular cabs are good on gas, 20+MPG, but not great
Trucks sit higher and generally have wider tires so lower MPG.
2WD truck sucks in snow, you need to load the bed in the winter to get even a little traction.
4WD 4cyl Rangers are hard to find, have to be 1997 or older


As for insurance and older vehicles, get HIGHEST deductible they have on your cars coverage, and highest deductible you think you can afford on collision(damage you cause to other property or persons).

If you spend $2,000-$3,000 on a vehicle then insurance will Total it in any claim, so see how much the rates drop as deductible goes up.

A high deductible is a bet on yourself to be a good driver, you won't be at fault in an accident.
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  #3  
Old 3 Days Ago
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I dunno if new york has any funky laws about driving trucks on certain streets and if its a pickup if it requires truck plates. Chicago you cannot drive down Michigan avenue or lake shore drive if you have truck plates - every pickup from the s10 ranger to fullsize has truck B plates so cant even drive a ranger down Michigan Avenue. Then there are whole neighborhoods you cannot park truck plated vehicles on the street overnight. Ancient laws to keep poor people out of the high class areas.

Trucks have a tendency to roll over in accidents so insurance may be higher than a car. Toyota corrolla camry and honda civic are always top stolen cars thats why they are so high insurance wise. Get a stick shift and it prolly wont ever be stolen in this day n age.

2wd even 4wd light pickups are generally a handful to drive in the snow. Invest in true snow tires for the rear and its a world of difference. Throw a sandbag (or shovel snow) in the bed when it snows right over the axle or front of the bed for some weight. Most 2wd trucks are really 1 wheel drive unless it has a functioning limited slip rear end. Even then its marginally better. They will fishtail on every turn if your not careful so easy accelerating easy braking. ABS is god awful on snow and I pull the fuse for it every winter.

The 2 people i know with corrollas and camrys say they are god awful in the snow. Even with M+S tires on them they get stuck on rather lazy sloped exit ramps. One guy had a 1998 chevy malibu who said you couldnt get that thing stuck if you tried. Has a 2004 corolla and has hated it in the winter as it gets stuck everywhere. Other lady had a grand prix - said she never got stuck. 2009 camry gets stuck everywhere she said. Thier too dang light for any good traction.

Also while you wont be giving many rides everyone and their cousin will want help moving apartments/houses or bringing big crap from stores to them using you like a delivery service. Wrath of owning a truck.

They do seem to be easy enough to work on and parts are everywhere and cheaper than the jap or korean stuff. Id say they make great mechanic learning vehicles. Nothing too weird on them.
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  #4  
Old 3 Days Ago
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Quote:
Originally Posted by RonD View Post
Look at the numbers on Toyota Camry its a heavier car than Corolla so rides much better, 4 door with 4cyl engine tends to be lower insurance, i.e. not a "racer"
And they are reliable and Front wheel drive so good in the snow

4cyl Ranger regular cabs are good on gas, 20+MPG, but not great
Trucks sit higher and generally have wider tires so lower MPG.
2WD truck sucks in snow, you need to load the bed in the winter to get even a little traction.
4WD 4cyl Rangers are hard to find, have to be 1997 or older


As for insurance and older vehicles, get HIGHEST deductible they have on your cars coverage, and highest deductible you think you can afford on collision(damage you cause to other property or persons).

If you spend $2,000-$3,000 on a vehicle then insurance will Total it in any claim, so see how much the rates drop as deductible goes up.

A high deductible is a bet on yourself to be a good driver, you won't be at fault in an accident.
i looked up the rates on a 2000 Camry - more expensive than the Corolla, which in turn is $200 more than the Ranger. This is ridiculous. Guess the the drivers in my area with Toyota Camries drive more dangerously, or they get stolen more often.

it still seems very weird for me to even consider a truck. As someone who grew up in a huge city, I donít have ANY outdoorsy hobbies as of right now. Perhaps that will change, but I fear having a truck and not using it to itís full potential. The only time I could see the bed actually being filled is when Iím gonna build something. Should I be worrying about this?

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  #5  
Old 3 Days Ago
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Quote:
Originally Posted by Dngr Rngr View Post
I dunno if new york has any funky laws about driving trucks on certain streets and if its a pickup if it requires truck plates. Chicago you cannot drive down Michigan avenue or lake shore drive if you have truck plates - every pickup from the s10 ranger to fullsize has truck B plates so cant even drive a ranger down Michigan Avenue. Then there are whole neighborhoods you cannot park truck plated vehicles on the street overnight. Ancient laws to keep poor people out of the high class areas.

Trucks have a tendency to roll over in accidents so insurance may be higher than a car. Toyota corrolla camry and honda civic are always top stolen cars thats why they are so high insurance wise. Get a stick shift and it prolly wont ever be stolen in this day n age.

2wd even 4wd light pickups are generally a handful to drive in the snow. Invest in true snow tires for the rear and its a world of difference. Throw a sandbag (or shovel snow) in the bed when it snows right over the axle or front of the bed for some weight. Most 2wd trucks are really 1 wheel drive unless it has a functioning limited slip rear end. Even then its marginally better. They will fishtail on every turn if your not careful so easy accelerating easy braking. ABS is god awful on snow and I pull the fuse for it every winter.

The 2 people i know with corrollas and camrys say they are god awful in the snow. Even with M+S tires on them they get stuck on rather lazy sloped exit ramps. One guy had a 1998 chevy malibu who said you couldnt get that thing stuck if you tried. Has a 2004 corolla and has hated it in the winter as it gets stuck everywhere. Other lady had a grand prix - said she never got stuck. 2009 camry gets stuck everywhere she said. Thier too dang light for any good traction.

Also while you wont be giving many rides everyone and their cousin will want help moving apartments/houses or bringing big crap from stores to them using you like a delivery service. Wrath of owning a truck.

They do seem to be easy enough to work on and parts are everywhere and cheaper than the jap or korean stuff. Id say they make great mechanic learning vehicles. Nothing too weird on them.
Those laws are for actual trucks, not pickups, in NYC. Those are some very backwards laws!
The insurance is $200 cheaper per MONTH than the Corolla and $ 3 0 0 cheaper than a Camry. These numbers are absolutely ridiculous considering the age and specs of these vehicles. But is it what it is.

As I replied to the other guy, since at the moment I donít have ANY outdoorsy hobbies, should I even be considering a truck? The only time the bed is going to be filled is when I want to build something. I would feel terribly guilty about never putting it to use. Maybe it would be a sign to find a way to put it to use? I donít know. I donít want to think idealistically. What do you think?


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  #6  
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95% of trucks on the road arent used as trucks. Most of the stuff i put in my 2 trucks are stuff that would fit in the trunk of a midsize car. BUT when i do need lumber or 4x8 sheets of plywood its great to just toss it in and go. Or in my case junkyard parts that are oily nasty rusty things i wouldn't want anywhere near a nice interior or haul a lawnmower around. I wouldnt worry about it and get what you want. They are easy to park as well and visibility is pretty good around them.
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  #7  
Old 17 Hours Ago
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good you got your license but since you live in the city with plenty of public trans. available why would you need a car/truck anyway? paying 500 a month for insurance is insane. your rates will go down dramatically once you turn 21. my advice is put off the vehicle purchase as long as you can and save the money you would have spent on purchase/insurance until your rates go down. then you can purchase a vehicle that does not require collision insurance and maybe not even comprehensive. that would save you a lot. my advice then would be at your age to load up on 3rd party liability cover as much as you can afford. this protects your future as you have a long way to go...
do NOT go on your parents' policy. you need to establish your own record.
i've been driving for 46 years so have gone through a lot...
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