Cheap 2010 Ford Ranger Insurance Quotes

Are you overwhelmed by the wide range of car insurance company choices? Many other drivers are as well. Consumers have so many companies to choose from that it can be a challenge to find the perfect company for you.

Compare the Market for Car Insurance

There are several ways to compare quotes and find the best price. The best way to find competitive 2010 Ford Ranger insurance rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  1. The recommended way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing repetitive form submissions for each company. One form submission gets you price quotes from all major companies. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to shop for car insurance online requires visiting the website of each company and complete a new quote form. For examples sake, we’ll assume you want comparison quotes from Farmers, Allstate and Liberty Mutual. To find out each rate you need to take the time to go to each site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way to compare rates is to spend your day driving to different agent offices. The internet eliminates the need for an insurance agent unless you have a need for the professional advice of a licensed agent. It is possible to comparison shop online but still have the advice of a local agent.

Whichever way you use, compare identical information for every quote you compare. If your comparisons have mixed coverages it will be impossible to determine the best price for your Ford Ranger. Just a small difference in limits may cause a big price difference. And when price shopping your coverage, more quotes gives you a better chance of getting a lower rate.

Slick advertising tricks that work

State Farm and Allstate consistently run ads on television and other media. All the companies make an identical promise about savings if you change your policy. How does each company make almost identical claims?

Insurance companies can use profiling for the driver that makes them money. For example, a preferred risk might be profiled as between the ages of 40 and 55, has no tickets, and has a high credit rating. A customer getting a price quote who meets those qualifications will get very good rates and most likely will save when switching.

Potential customers who don’t qualify for these standards will be charged higher premiums and this can result in the customer not buying. The ads state “people who switch” not “people who quote” save that kind of money. This is how companies can truthfully claim big savings.

That is why you should get quotes from several different companies. It is impossible to predict the company that will fit your personal profile best.

Ford Ranger rate determination is complex

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for insurance coverage. Knowing what impacts premium levels helps enable you to make changes that can help you get big savings.

  • Being married can save on insurance coverage – Getting married actually saves money on insurance coverage. Having a spouse translates into being more mature and responsible it has been statistically shown that being married results in fewer claims.
  • Policy add-ons can waste money – There are many add-on coverages you can purchase when buying insurance coverage. Coverages like roadside assistance, better glass coverage and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Insurance companies generally give discounts to drivers who file claims infrequently. Car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Men fork out a little more – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men cause accidents in similar numbers, but men cause more damage. Men also have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Multi-policy discounts can save money – Some insurance companies will award you with lower prices to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to confirm you are receiving the best rates possible. Drivers may still find better rates by buying insurance from more than one company.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but you may find discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but less common discounts must be asked for prior to receiving the credit.

  • Defensive Driving Course – Taking part in a defensive driving course can save you 5% or more if you qualify.
  • Sign Online – A few companies may give you up to $50 for buying a policy and signing up over the internet.
  • Organization Discounts – Participating in a civic or occupational organization may earn a discount on insurance coverage on Ranger coverage.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.
  • Accident Free – Good drivers with no accidents can save substantially when compared with accident-prone drivers.

It’s important to note that many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

For a list of companies with discount insurance coverage rates, follow this link.

When might I need an agent?

When choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions could help you determine whether or not you will benefit from professional help.

  • Am I covered when driving someone else’s vehicle?
  • What can I do if my company won’t pay a claim?
  • Am I covered if I crash into my own garage door?
  • Can I get a multi-policy discount?
  • What vehicles should carry emergency assistance coverage?
  • Is my state a no-fault state?
  • Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

What insurance coverages do you need?

Knowing the specifics of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision protection

This coverage 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 and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, hitting a bird, falling objects and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses like nursing services, chiropractic care, doctor visits, X-ray expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for liability

Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like legal defense fees, funeral expenses and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

One last thing about your coverage

We just covered a lot of tips how to save on 2010 Ford Ranger insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from the smaller companies.

Consumers who switch companies do it for a variety of reasons including policy cancellation, high prices, unfair underwriting practices or even high rates after DUI convictions. Regardless of your reason, switching auto insurance companies can be easier than you think.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, an insured dropped full coverage and found out when filing a claim that they should have had better coverage. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.

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