Ford Ford Ranger Insurance Rates
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UPDATED: Feb 10, 2020
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Trying to find cheaper car insurance rates for your Ford Ranger? Consumers who are new to shopping for insurance online could find shopping for affordable car insurance is harder than they anticipated.
Consumers need to check car insurance prices quite often because rates go up and down regularly. Even if you think you had the best price for Ranger insurance two years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding car insurance on the web, but with this article, you’re going to get some of the best ways to reduce your car insurance bill.
If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these methods. Buying cheaper insurance coverage coverage is not that difficult. Nevertheless, drivers should learn the way insurance companies market insurance on the web and use this information to your advantage.
How to save on Ford Ranger insurance
Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but a few need to be manually applied before being credited.
- Distant Student – Any of your kids living away from home attending college without a vehicle on campus may qualify for this discount.
- Homeowners Savings – Owning a home can save you money because maintaining a house shows financial diligence.
- Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
- Defensive Driver – Taking a driver safety course can save you 5% or more if your company offers it.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
- Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Ranger insurance with a few insurance coverage companies.
- More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.
- Air Bag Discount – Vehicles with factory air bags can get savings of more than 20%.
- Safe Driver Discount – Insureds without accidents may save up to 50% more for Ranger insurance than their less cautious counterparts.
- Organization Discounts – Affiliation with a professional or civic organization may earn a discount on insurance coverage for Ranger insurance.
It’s important to understand that most discount credits are not given the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will cut the amount you have to pay.
For a list of companies who offer insurance coverage discounts, click here.
Tailor your coverage to you
When buying the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
These are some specific questions can aid in determining if you might need professional guidance.
- Am I covered if hit by an uninsured driver?
- Does insurance cover tools stolen from my truck?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Am I covered when pulling a rental trailer?
- Does my policy cover me when driving someone else’s vehicle?
- I have a DUI can I still get coverage?
- Which is better, split liability limits or combined limits?
- Am I covered when driving a rental car?
- Does my medical payments coverage pay my health insurance deductible?
If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form.
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Car insurance 101
Understanding the coverages of car insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like rock chips in glass, hitting a deer, theft and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers things such as medical services, repair costs for stationary objects, legal defense fees, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.
Auto collision coverage
This covers damage to your Ranger caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like hitting a mailbox, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP reimburse you for expenses for doctor visits, surgery and dental work. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2003 Ford Ranger.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Keep this in mind
Consumers switch companies for a variety of reasons including delays in paying claims, poor customer service, questionable increases in premium or even not issuing a premium refund. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.
As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. There have been many situations where someone dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
Cost effective 2003 Ford Ranger insurance is attainable from both online companies as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.
To read more, feel free to visit the resources below:
- Avoiding Deer Collisions (Insurance Information Insitute)
- Auto Insurance Learning Center (State Farm)
- Child Safety FAQ (iihs.org)
- Five Mistakes to Avoid (Insurance Information Insitute)
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