Lower Your 2010 Ford Ranger Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 16, 2024

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Trying to find better insurance prices for your Ford Ranger can normally be an all-consuming task, but you can use our auto insurance buying tips and make it easy. There is a better way to shop for auto insurance and you need to know the quickest way to get price quotes for your Ford and find the lowest possible price from local insurance agents and online providers.

It’s important to compare premium rates before your next renewal because insurance prices change quite often. If you had the lowest quotes on Ranger coverage a couple years back there is a good chance you can find better rates now. Ignore everything you know about auto insurance because we’re going to demonstrate how to quote online to reduce your cost while improving coverage.

Finding affordable coverage is quite easy. If you are insured now or need new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Drivers just need to understand the most efficient way to compare rates on the web.

How to lower your insurance coverage cost

Performing a rate comparison can be a daunting task if you don’t utilize the easiest way. You could spend your day talking about coverages with insurance companies in your area, or you could use online quoting to get pricing more quickly.

Most car insurance companies belong to a marketplace that enables customers to send in one quote, and each participating company then returns a price quote based on that information. This saves time by eliminating repetitive form submissions for each company.

To find out how much you’re overpaying now enter your zip code here.

One minor caveat to using this type of system is you can’t choose the providers you want pricing from. If you wish to select individual companies for rate comparison, we put together a list of low cost insurance coverage companies in your area. Click to enter zip code.

Take whichever approach you prefer, but be sure to compare identical coverage limits for every quote you compare. If you compare different liability limits it will be nearly impossible to get a fair rate comparison.

Are you falling for claims of savings?

Consumers can’t get away from ads that claim the lowest car insurance rates by companies like State Farm, GEICO and Progressive. They all seem to convey the message that you’ll save big if you change your policy.

That’s great but how can every company charge lower premium rates? Just pay attention to how they say it.

All companies have a certain “appetite” for the type of insured that will be a good risk. One example of a preferred risk might have to be a mature driver, has a clear driving record, and drives a car with an anti-theft system. Any driver who matches that profile will get the preferred rates and therefore will save a lot of money.

Consumers who do not meet the ideal profile will be quoted a higher rate and this can result in business not being written. The ads say “customers that switch” not “everybody who quotes” save that much money. That’s why companies can truthfully lure you into getting a quote. Different companies use different criteria so you should get car insurance quotes as often as possible. Because without a comparison, you cannot know the company that will have the lowest rate quotes.

Insurance premium influencing factors

Lots of things are taken into consideration when you get a price on insurance. Some are obvious such as your driving record, although others are not as apparent such as your credit history or how financially stable you are. Part of the auto insurance buying process is learning some of the elements that help determine the level of your policy premiums. When consumers understand what determines base rates, this enables you to make decisions that could result in lower auto insurance prices.

  • Liability insurance is important – The liability coverage on your policy is the coverage that protects you when a court rules you are at fault for causing personal injury or damage in an accident. It provides you with a defense in court to defend your case. This coverage is very inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Small coverages can add up – There are a lot of optional add-on coverages that can waste your money if you aren’t careful. Coverages like roadside assistance, accidental death, and term life insurance may be costing you every month. You may think they are a good idea when you first buy your policy, but if you’ve never needed them in the past eliminate them to save money.
  • Maintain auto insurance coverage – Having an insurance coverage lapse is a quick way to increase your auto insurance rates. Not only will you pay higher rates, being ticketed for driving with no insurance could result in a revoked license or a big fine. You may have to file a SR-22 with your state DMV.
  • Better drivers pay lower costs – Whether or not you get tickets impacts premiums far more than you think. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Only having one chargeable violation may cause rates to rise twenty percent or more. Drivers who have gotten careless citations like reckless driving or DUI may find that they have to to file a SR-22 with their state in order to legally drive.
  • Deter theft and lower rates – Driving a car with an alarm system can earn a premium discount. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.
  • Single drivers take more risk – Being married helps lower the price on your policy. It demonstrates that you tend to be more mature than a single person and it’s proven that being married results in fewer claims.
  • Raise deductibles and save – Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims are rear-ending another vehicle, damage from fire, and damage from wind. The more money you’re willing to pay, the less your auto insurance will be on Ranger coverage.

Discounts can really help lower rates

Insurance is neither fun to buy or cheap, but there could be significant discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but some must be specifically requested in order for you to get them.

  • Discount for New Cars – Adding a new car to your policy may earn a small discount since newer models are generally safer.
  • Discounts for Multiple Vehicles – Having all your vehicles on a single policy can get a discount for every vehicle.
  • Renewal Discounts – A few larger companies give discounts for switching companies prior to the expiration date on your current policy. The savings is around 10%.
  • Membership in Organizations – Joining specific professional or occupational memberships or organizations could qualify you for a break on insurance.
  • Accident Waiver – This isn’t a discount exactly, but some companies like Progressive, Allstate, and Liberty Mutual will let one accident slide without the usual rate increase so long as you are claim-free prior to being involved in the accident.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Driving Data Discount – Insureds that choose to allow companies to track driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they have good driving habits.

Drivers should understand that most of the big mark downs will not be given to the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will help reduce your premiums.

If you would like to choose from a list of insurance companies with the best insurance discounts, enter your zip code here.

Will just any policy work for me?

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions might point out if you might need professional guidance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when driving someone else’s vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I carry comprehensive and collision coverage?
  • Are rental cars covered under my policy?
  • Am I covered when pulling a rental trailer?
  • Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and enter your zip code. It only takes a few minutes and you can get the answers you need.

Car insurance policy specifics

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, theft and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – Collision coverage covers damage to your Ranger resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, backing into a parked car, sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Liability – Liability coverage can cover damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as pain and suffering, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Medical costs insurance – Med pay and PIP coverage pay for short-term medical expenses such as dental work, EMT expenses, hospital visits and doctor visits. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2010 Ford Ranger.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

The best insurance company isn’t always the cheapest

Drivers change insurance companies for any number of reasons including high prices, policy non-renewal, lack of trust in their agent or high rates after DUI convictions. No matter why you want to switch, finding the right car insurance provider can be easier than you think.

When buying insurance coverage, never buy less coverage just to save a little money. In many instances, an accident victim reduced comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

We just covered a lot of tips how to shop for 2010 Ford Ranger insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your auto insurance rates. Consumers may even find the best price on car insurance is with some of the lesser-known companies.

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