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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 2, 2022

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Looking for better car insurance rates for your Ford Ranger? Having to pay for overpriced Ford Ranger insurance can drain your savings account and force you to make sacrifices. Comparison shopping is a great way to help make ends meet.

You have multiple insurance companies to buy insurance from, and though it is a good thing to have a choice, it can be more difficult to find the best rates for your vehicles.

Consumers need to shop coverage around before your policy renews because prices are rarely the same from one policy term to another. Even if you think you had the best rates on Ranger insurance last year other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

Choosing the best insurance company for you is not that difficult. Basically, everyone who buys insurance most likely will be able to cut their insurance bill. But consumers need to have an understanding of how insurance companies determine prices because it can help you find the best coverage.

The method we recommend to compare rate quotes is to understand most larger insurance companies provide online access to give you rate quotes. The only thing you need to do is give the companies some data such as your credit rating estimate, whether you are single or married, if a SR-22 is required, and how much you drive. That information gets transmitted to multiple insurance coverage providers and they provide comparison quotes instantly.

To start a quote now, click here and complete the quick form.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise all available discounts very well, so we break down some of the best known and the harder-to-find ways to save on insurance.

  • Air Bag Discount – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • E-sign – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
  • Organization Discounts – Belonging to certain professional organizations is a good way to get lower rates on insurance on Ranger insurance.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, insurance companies aren’t that generous.

Insurance companies that possibly offer these money-saving discounts are:

Double check with all companies you are considering what discounts are available to you. Some discounts may not apply in every state.

Car insurance is unique, just like you

When buying proper insurance coverage, there isn’t really a one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Does coverage extend to my business vehicle?
  • Should I rate my 2005 Ford Ranger as pleasure use or commute?
  • Which is better, split liability limits or combined limits?
  • How much can I save by bundling my policies?
  • I have a DUI can I still get coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Free Auto Insurance Comparison

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Ford Ranger rate determination is complex

It’s important that you understand the different types of things that go into determining your auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Rates may be lower depending on your job – Jobs such as real estate brokers, executives and accountants tend to have higher rates than average due to high stress and lots of time spent at work. On the flip side, occupations like farmers, athletes and retirees receive lower rates on Ranger insurance.
  • Lower rates come with age – Youthful drivers are known to get distracted easily behind the wheel so auto insurance rates are higher. If you’ve ever had to add a teenage driver to your policy can really hurt. Older drivers are more responsible, tend to cause fewer accidents and are safer drivers.
  • Protect your assets with liability insurance – Your policy’s liability coverage will protect you when a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • No coverage gaps is important – Driving your car without having proper coverage can get your license suspended and as a result your rates will increase for letting your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance will get you a revoked license or a big fine.
  • One company can mean more discounts – The majority of insurance companies provide better rates to people who buy several policies from them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even if you’re getting this discount it’s still a good idea to comparison shop to make sure you are getting the best deal.
  • More miles equals more premium – Driving more miles in a year the higher your rates will be. Almost all companies apply a rate based on their usage. Vehicles that are left in the garage get more affordable rates than those used for commuting. Having the wrong rating on your Ranger may be wasting your money. Verify your auto insurance coverage shows the proper vehicle usage.
  • Your credit rating is important – Credit score is a big factor in determining your rates. If your credit score is lower than you’d like, you could potentially save money when insuring your 2005 Ford Ranger by spending a little time repairing your credit. People with good credit tend to be more responsible than those with poor credit.
  • Marriage pays dividends – Getting married can actually save you money on auto insurance. It usually means you are more mature than a single person and it’s proven that married couples file fewer claims.

Drivers who switch save $426 a year? Really?

Companies like Allstate, GEICO and Progressive regularly use ads in print and on television. All the ads make an identical promise that you can save if you move your policy. How does each company say the same thing? This is how they do it.

All companies have a preferred profile for the type of driver that is profitable for them. An example of a preferred risk might be over the age of 50, a clean driving record, and drives less than 10,000 miles a year. Any driver who fits that profile is entitled to the best price and most likely will pay quite a bit less when switching companies.

Drivers who fall outside this ideal profile will be quoted higher rates and ends up with business going elsewhere. The ads say “customers that switch” not “people who quote” save that much. That’s the way insurance companies can make those claims. This emphasizes why it’s extremely important to get as many comparisons as possible. Because you never know which insurance companies will give you the biggest savings on Ford Ranger insurance.

Insurance coverages 101

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2005 Ford Ranger.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for EMT expenses, hospital visits, ambulance fees and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This pays for damage to your Ranger resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, theft and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance

This coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, 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 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability insurance covers things like court costs, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

A little work can save a LOT of money

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. In too many instances, an insured dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

We’ve covered many ideas to lower your 2005 Ford Ranger insurance rates. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the lowest priced auto insurance comes from a lesser-known regional company. They can often provide lower rates in certain areas compared to the large companies like Progressive and GEICO.

To learn more, feel free to visit these articles:

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