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The timing belt on my 99 ranger....its the 2.5 with 98,000 miles on it....I heard if it werent changed , and it broke , it wouldnt damage anything , unlike foreign cars (like my sisters honda accord..lol)..
Yeah I think the 2.5L is a non-interference engine, I.E. if it breaks, no big deal.
That being said, you might want to do it at 100K if you feel so inclined, just for the peice of mind it won't snap at some random moment when you need it.
i changed mine and i rolled over to 75,000 the other day. its not expensive so id just change it. what is expensive is if it breaks and decides to mess something else up on its way out
If you have a owners manual it should tell when the recommended belt change should occur. That motor in older years was to be changed at 70,000 miles. Don't know about the real late models. You can drive it until breaks but that could leave stranded somewhere where you don't want to be. I changed one on friends car that I was riding with in the middle of the Osage nation at night with nothing but fractional tools. Got it done but it would have been nicer in my shop with the correct metric wrenches