2007 Ford Ranger Car Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced insurance policy? Trust us, you’re not alone.

Drivers have multiple insurers to choose from, and although it’s a good thing to have a selection, so many choices can make it hard to find the lowest rates.

Consumers need to get comparison quotes once or twice a year due to the fact that insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest price on Ranger coverage on your last policy you can probably find a lower rate today. So just block out anything you think you know about insurance because you’re about to learn how to quote online to save money, get proper coverage and the best rates.

Buying car insurance is quite easy. If you currently have car insurance, you should be able to save some money using this information. Nevertheless, consumers benefit from understanding the methods companies use to sell online and apply this information to your search.

Discounts are basically free money

Companies offering auto insurance don’t necessarily list all available discounts very clearly, so the following is a list of some of the more common as well as the least known ways to save on car insurance.

  • Auto/Home Discount – If you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Air Bag Discount – Cars that have air bags can get savings of more than 20%.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts when compared with frequent claim filers.
  • E-sign – A few companies may give you up to $50 for buying a policy and signing up online.
  • Student Driver Training – Have your child successfully complete driver’s ed class if offered at their school.
  • Early Signing – Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.
  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford could qualify for lower rates on the low mileage vehicles.
  • Good Students Pay Less – This discount can save 20 to 25%. The good student discount can last up to age 25.

It’s important to note that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, you won’t be that lucky.

To see a list of providers with the best car insurance discounts, click this link.

The quickest way to get rate comparisons is to know the trick most larger insurance companies pay for the opportunity to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as if you have a valid license, the year, make and model of vehicles, driver ages, and what you do for a living. Your details gets transmitted to many of the top insurers and they return rate quotes immediately.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need an umbrella policy?
  • Am I insured when driving a different vehicle?
  • Should I buy only the required minimum liability coverage?
  • What if I total my 2007 Ford Ranger and owe more than it’s worth?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Educate yourself about car insurance coverages

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages offered by car insurance companies.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hail damage, damage from getting keyed and a broken windshield. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like chiropractic care, ambulance fees, prosthetic devices, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Ranger.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, crashing into a ditch, scraping a guard rail, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims like legal defense fees, pain and suffering and structural damage. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Shop. Compare. Save.

Affordable 2007 Ford Ranger insurance is definitely available both online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

As you restructure your insurance plan, do not buy poor coverage just to save money. In many instances, an insured cut liability coverage limits to discover at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Additional detailed information is available by following these links: