Lower Your 2011 Ford Ranger Car Insurance Cost

Cutting costs on insurance coverage is always a challenge for people who are new to comparing rates online. Drivers have so many companies to choose from that it can be a challenge to find the best price.

Locating cheaper coverage can be fairly easy. In a nutshell, every vehicle owner who carries car insurance most likely will be able to find better rates. But drivers must comprehend the way companies market on the web and take advantage of how the system works.

Comprehensive Auto Insurance Comparison Quotes

The are a couple different ways of comparing price quotes from auto insurance companies in your area. The simplest method to find the lowest 2011 Ford Ranger rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

  1. The most efficient way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing separate quotation requests for each company. One quote request will return quotes direct from many companies.It’s the quickest way to get rates.
  2. A harder way to shop for auto insurance online consists of going to each company’s website and fill out their own quote form. For examples sake, let’s say you want rates from Liberty Mutual, Farmers and GEICO. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.
  3. The most time-consuming method to compare rates is driving around to local insurance agencies. The internet makes this process obsolete unless you want the trained guidance only provided by licensed agents. You can, however, comparison shop your insurance online and still use a local agent and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverage limits and deductibles for every company. If you have different liability limits you will not be able to truly determine the lowest rate. Slightly different coverage limits may cause a big price difference. Just keep in mind that comparing a large number of companies will increase your chances of finding a better price.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I insured when driving a different vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they 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.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, a tree branch falling on your vehicle, damage from flooding, hail damage and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – This will pay to fix damage to your Ranger resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, hitting a parking meter, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like hospital visits, X-ray expenses, dental work and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability – This coverage provides protection from damage that occurs to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for 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 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like attorney fees, structural damage, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is your choice, but buy higher limits if possible.