Save on 2008 Ford Ranger Insurance Quotes

Searching for the cheapest insurance for a new or used Ford Ranger can turn out to be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to buy car insurance so we’re going to tell you the quickest way to price shop coverage on a Ford and locate the lowest possible price either online or from local insurance agents.

Why you might be paying too much to insure your Ford Ranger

Smart consumers have a good feel for the different types of things that go into determining auto insurance rates. Understanding what influences your rates helps enable you to make changes that will entitle you to big savings.

  • Little extras can really add up – There are a ton of add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages like rental car reimbursement, accidental death and motor club memberships are examples of these. These may sound like a good investment initially, but if you don’t need them get rid of them and save.
  • Where you live – Being located in less populated areas can be a good thing when insuring your vehicles. Fewer drivers means fewer accidents and a lower car theft rate. Drivers who live in large cities regularly have much more traffic to deal with and a longer drive to work. Higher commute times means higher likelihood of an accident.
  • Your spouse saves you money – Getting married can actually save you money when buying auto insurance. It usually means you are more mature and responsible it has been statistically shown that married couples file fewer claims.
  • Older drivers save more – Older drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets. Teenage drivers are statistically proven to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.
  • Careful drivers pay lower rates – Your driving citation history impacts your car insurance rates tremendously. Drivers with clean records receive lower rates than people who have multiple driving citations. Just one moving violation may increase your cost by twenty percent. Drivers who have severe citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Choose a safe vehicle and save – Cars with high safety ratings tend to have better insurance rates. These vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford Ranger earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Verify you’re getting all your discounts

Car insurance companies don’t always publicize every discount very clearly, so the following is a list of both well-publicized and the harder-to-find ways to save on insurance coverage. If you’re not getting every credit available, you are throwing money away.

  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • 55 and Retired – Mature drivers may qualify for reduced rates for Ranger insurance.
  • Student in College – Children who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Own a Home – Being a homeowner may trigger a insurance coverage policy discount due to the fact that maintaining a home requires personal responsibility.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for Ranger insurance than drivers with accident claims.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.
  • Safety Course Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.

Drivers should understand that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A partial list of companies that possibly offer some of the above discounts include:

It’s a good idea to ask every prospective company how you can save money. All car insurance discounts might not apply in your state.

Slick advertising tricks that work

Consumers can’t get away from ads that promise big savings by companies like State Farm, Allstate and GEICO. They all seem to make an identical promise about savings if you change to them.

But how can every company claim to save you money? This is how they do it.

Different companies have a preferred profile for the type of customer that makes them money. An example of a preferred risk might be profiled as between 30 and 50, is a homeowner, and has great credit. Any driver that hits that “sweet spot” will get the preferred rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t meet the “perfect” profile will be quoted higher prices and ends up with business not being written. The ads say “drivers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can claim big savings. This emphasizes why drivers should compare many company’s rates. It is impossible to predict the company that will provide you with the cheapest Ford Ranger insurance rates.

When should I talk to an agent?

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions may help you determine if your insurance needs could use an agent’s help.

  • Is my camper covered by my car insurance policy?
  • Does coverage extend to a rental car in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is business property covered if stolen from my car?
  • How much can I save by bundling my policies?
  • What companies insure drivers after a DUI or DWI?
  • Does my car insurance cover rental cars?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage basics

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as funeral costs, hospital visits and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

This will pay to fix damage to your Ranger caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for liability

This coverage will cover injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair costs for stationary objects, medical expenses, funeral expenses, loss of income and attorney fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Comprehensive auto insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, fire damage, theft, vandalism and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Shop around and save

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured dropped liability coverage limits and found out when filing a claim that they should have had better coverage. Your aim should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Consumers switch companies for many reasons like poor customer service, denial of a claim, policy cancellation or even an unsatisfactory settlement offer. Whatever your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.

Cheap 2008 Ford Ranger insurance can be purchased both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online quoting and these regional insurance providers work with independent agents.

Much more information about insurance can be found at these links: