Save on 2010 Ford Ranger Car Insurance Quotes

Buyers have lots of choices when searching for low-cost Ford Ranger insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to find the lowest rates.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the quickest way to compare rates for your Ford and locate the lowest price from both online companies and local agents.

You should make it a habit to get comparison quotes occasionally because prices tend to go up over time. Just because you had the best rates for Ranger coverage last year you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the best methods to reduce your cost while improving coverage.

Get lower rates on 2010 Ford Ranger insurance

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but a few must be asked for before you will receive the discount. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Multiple Vehicles – Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Club Memberships – Participating in a professional or civic organization could trigger savings when buying car insurance for Ranger coverage.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for better car insurance rates for Ranger coverage.
  • Early Switch Discount – A few companies offer discounts for signing up before your current policy expires. It’s a savings of about 10%.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • No Claims – Good drivers with no accidents can earn big discounts as compared to accident-prone drivers.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
  • Safety Course Discount – Taking a driver safety course could cut 5% off your bill if your company offers it.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.

Drivers should understand that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, car insurance companies aren’t that generous. Any amount of discount will reduce your premiums.

Companies that possibly offer these discounts may include but are not limited to:

Before buying, ask all companies you are considering how you can save money. All car insurance discounts may not apply everywhere.

Elements that influence Ford Ranger insurance rates

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for insurance coverage. Understanding what controls the rates you pay helps enable you to make changes that may reward you with big savings.

Listed below are some of the items that factor into rates.

  • Little extras can really add up – There are a ton of extra coverages that can waste your money if you aren’t careful. Things like rental car reimbursement, accident forgiveness and additional equipment coverage are some examples. They may seem like a good idea at first, but now you might not need them so remove them from your policy.
  • Do you know you’re credit rating? – A driver’s credit score is a big factor in determining your rates. If your credit history is lower than you’d like, you could pay less to insure your 2010 Ford Ranger by repairing your credit. People with good credit tend to be more responsible than those with poor credit.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings tend to have better insurance rates. Safe vehicles reduce injuries and lower injury rates translates into savings for insurance companies and thus lower rates. If your Ford Ranger has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Males pay more for insurance – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes have accidents in similar percentages, but the men cause more damage. Men also statistically have more aggressive citations such as reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive insurance coverage rates.
  • Poor driving leads to higher costs – Your driving record has a big impact on rates. Even a single citation can increase rates by as much as thirty percent. Good drivers receive lower rates than bad drivers. Drivers who get serious violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state DMV in order to continue driving.
  • Don’t sacrifice liability coverage – Liability coverage will protect you in the event that you are found liable for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Where you live – Being located in less populated areas can save you money when talking about insurance coverage. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities have traffic congestion and longer commutes to work. More time commuting means higher likelihood of an accident.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

  • Do I benefit by insuring my home with the same company?
  • How can I force my company to pay a claim?
  • How can I get my company to pay me more for my totalled car?
  • If my 2010 Ford Ranger is totaled, can I afford another vehicle?
  • Am I getting all the discounts available?
  • Is motorclub coverage worth it?
  • Will filing a claim cost me more?
  • Do I need more liability coverage?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Can you really save that much by switching?

Consumers constantly see and hear ads for cheaper car insurance by companies like 21st Century, Allstate and State Farm. They all make an identical promise about savings if you move to them.

How does each company make almost identical claims?

All companies are able to cherry pick for the right customer they prefer to insure. For example, a preferred risk could be over the age of 40, owns a home, and chooses high deductibles. A customer who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who do not match the “perfect” profile will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save that kind of money. That’s why companies can advertise the savings.

Because of the profiling, drivers should compare many company’s rates. You cannot predict the company that will have the lowest Ford Ranger insurance rates.

Auto insurance coverage options for a Ford Ranger

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage – This provides protection from damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like funeral expenses, loss of income, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills such as rehabilitation expenses, surgery and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – This covers damage to your Ranger 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 insurance covers claims such as damaging your car on a curb, scraping a guard rail, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, falling objects and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Save your cold hard cash

The cheapest 2010 Ford Ranger insurance can be found from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

In this article, we presented many tips how you can lower your insurance rates. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the most savings is with a lesser-known regional company.

Drivers who switch companies do it for any number of reasons including lack of trust in their agent, not issuing a premium refund, policy non-renewal and denial of a claim. Regardless of your reason, finding a new company is less work than it seems.

More detailed auto insurance information can be read in the articles below: