Ford Ford Ranger Insurance Rates
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UPDATED: Feb 10, 2020
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Searching for better insurance coverage rates for your Ford Ranger? Searching for affordable insurance coverage on the web can seem to be challenging for consumers not familiar with buying insurance online. With so many choices of choices, how can anyone even start to compare the different rates to find the best pricing?
Finding the best rates is quite easy. Basically, anyone who has to buy car insurance most likely will be able to lower their premiums. Although car owners need to learn how insurance companies determine prices.
Policy discounts you shouldn’t miss
Companies that sell car insurance don’t list every discount in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known discounts you could be receiving.
- Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
- Multi-car Discount – Having more than one vehicle on the same insurance coverage policy may reduce the rate for each vehicle.
- Accident Forgiveness – A few companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
- Good Student – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- Claim Free – Drivers with accident-free driving histories pay less when compared with accident-prone drivers.
- E-sign – Certain companies will discount your bill up to fifty bucks for buying your policy online.
- Multi-policy Discount – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
Consumers should know that most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.
Car insurance companies that may have these discounts include:
Check with each company which discounts they offer. Discounts might not be offered in your state.
Insurance agents can help
When choosing coverage, there really is no cookie cutter policy. Every situation is different.
For instance, these questions could help you determine if your insurance needs will benefit from professional help.
- Am I covered if hit by an uninsured driver?
- Do I need to file an SR-22 for a DUI in my state?
- Where can I get insurance after a DUI in my state?
- Do I need PIP (personal injury protection) coverage in my state?
- What is roadside assistance coverage?
- Am I missing any policy discounts?
- Should I bundle my homeowners policy with my auto?
- What can I do if my company denied a claim?
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
Car insurance myths debunked
Car insurance providers like Allstate and Progressive consistently run ads on television and other media. They all say the same thing that you’ll save big if you change your policy. But how can every company make the same claim?
All the different companies are able to cherry pick for the right customer that makes them money. An example of a profitable customer might be profiled as between 30 and 50, has no tickets, and has excellent credit. A driver who meets those qualifications will qualify for the lowest rates and therefore will save when they switch companies.
Potential customers who do not match this ideal profile will be charged higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save money. This is how companies can claim big savings. That is why it’s extremely important to compare many company’s rates. It’s just too difficult to predict which company will give you the biggest savings on Ford Ranger insurance.
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Insurance policy coverages for a Ford Ranger
Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.
Liability car insurance
Liability coverage can cover damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability can pay for things like court costs, bail bonds, emergency aid and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Coverage for collisions
Collision coverage covers damage to your Ranger resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as colliding with another moving vehicle, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Comprehensive auto coverage
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as damage from flooding, vandalism, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage
Med pay and PIP coverage provide coverage for short-term medical expenses like dental work, pain medications, chiropractic care and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage
Take this to the bank
When shopping online for insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
We just showed you some good ideas how to get a better price on 2006 Ford Ranger insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with some of the smallest insurance companies.
Cost effective insurance is definitely available both online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.
- Choosing a Car for Your Teen (State Farm)
- Auto Insurance Basics (Insurance Information Insitute)
- Young Drivers: The High Risk Years Video (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Insitute)
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