2011 Ford Ranger Car Insurance Rates – 5 Policy Discounts
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UPDATED: Nov 15, 2021
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Trying to find cheaper insurance for a Ford Ranger could be an all-consuming task, but you can use our insurance buying tips to find lower rates.
There is a better way to find insurance online and you need to know the quickest way to quote coverages for your Ford and obtain the cheapest rates from local insurance agents and online providers.
Consumers should take time to check insurance prices yearly due to the fact that insurance rates tend to go up over time. Even if you think you had the best price on Ranger coverage a couple years back the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance online, so we’re going to give you some great ideas on how to put money back in your pocket.
Locating affordable coverage is easy if you know what you’re doing. If you have a policy now or need new coverage, you can use these tips to shop for the lowest rates and still get good coverage. Vehicle owners only need to know the most effective way to get comparison quotes online.
These five discounts can slash insurance rates
Insuring your fleet can be pricey, buy you may qualify for discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be manually applied before they will apply. If they aren’t giving you every credit available, you are paying more than you should be.
- Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
- Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
- E-sign – Some insurance companies will give a small break for buying your policy over the internet.
- Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
It’s important to note that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will reduce the amount you have to pay.
Insurance companies that may offer some of the above discounts may include but are not limited to:
- Farmers Insurance
- State Farm
- Liberty Mutual
Double check with every prospective company how you can save money. Savings may not apply in every state.
When might I need the advice of an agent?
When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.
Here are some questions about coverages that may help you determine whether you could use an agent’s help.
- Does having multiple vehicles earn me a discount?
- Does insurance cover damages from a DUI accident?
- What can I do if my company denied a claim?
- Can I rate high risk drivers on liability-only vehicles?
- Is my cargo covered for damage or theft?
- What is an SR-22 filing?
- Where can I find DUI or SR-22 insurance?
- What companies insure drivers after a DUI or DWI?
- What is no-fault insurance?
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If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Save $396 a year? Really?
Drivers constantly see and hear ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. All the ads make the same claim of big savings after switching to their company.
How does each company say the same thing?
All companies are able to cherry pick for the type of customer that is profitable for them. An example of a profitable customer could be over the age of 40, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” will get very good rates and therefore will save when switching.
Potential customers who don’t qualify for the “perfect” profile must pay higher rates and this can result in business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save that much. This is how insurance companies can state the savings.
This illustrates why you should compare many company’s rates. It is impossible to predict which insurance companies will give you the biggest savings on Ford Ranger insurance.
Auto insurance coverages
Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
Collision – This covers damage to your Ranger caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims like hitting a mailbox, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.
Liability – Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability can pay for claims such as medical services, repair costs for stationary objects and bail bonds. How much coverage you buy is your choice, but consider buying higher limits if possible.
Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as EMT expenses, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as rock chips in glass, fire damage, vandalism and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Coverage on a shoestring budget
In this article, we presented some good ideas how you can lower your 2011 Ford Ranger insurance rates. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies.
The cheapest insurance can be bought from both online companies as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some companies don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.
Drivers switch companies for any number of reasons including high rates after DUI convictions, lack of trust in their agent, high prices and being labeled a high risk driver. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.
For more information, take a look at the articles below:
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Auto Insurance Basics (Insurance Information Insitute)
- Choosing a Car for Your Teen (State Farm)
- Red Light Cameras (State Farm)
- How to Avoid Common Accidents (State Farm)
- How do I File a Claim? (Insurance Information Insitute)
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