View 2005 Ford Ranger Car Insurance Quotes

Are you regretting buying overpriced insurance coverage? Believe me, you are not the only one feeling buyer’s remorse.

Vehicle owners have many car insurance companies to purchase coverage from, and though it is a good thing to have a selection, too many choices makes it more difficult to compare company pricing.

It’s a good idea to get comparison quotes yearly because insurance coverage prices are variable and change quite frequently. If you had the best rates for Ranger coverage at your last renewal a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the best methods to save money, get proper deductibles and limits, all at the lowest rate.

First Step: Get free car insurance quotes

Many insurance companies such as State Farm and Allstate allow consumers to get prices on the web. Obtaining pricing can be done by anyone as you simply enter the amount of coverage you want as requested by the quote form. When the form is submitted, the quote system gets reports for credit and driving violations and returns a price based on the data you entered. This helps simplify price comparisons, but the process of having to visit different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible if you want to find a better rate.

There is a better way!

A more efficient way to lower your rates utilizes a single form to return rates from many companies. The form is fast, requires less work, and makes price shopping online much more efficient. Immediately after submitting the form, it is rated and you can select any one of the quote results.

If you find a better price you can click and sign and buy the new coverage. This process just takes a couple of minutes and you’ll know if lower rates are available.

To compare rates now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you copy the insurance coverages identical to your current policy. This ensures you’re receiving a fair comparison using the exact same coverages.

But they said I’d save $468 a year!

Popular insurance coverage providers such as State Farm and Allstate continually stream ads on TV and radio. All the companies advertise the message about how much you will save if you just switch to their company. How does every insurance coverage company save you money? Just pay attention to how they say it.

Many companies quote the lowest rates for the right customer that will be a good risk. One example of a desirable insured may be between the ages of 30 and 50, has a low-risk occupation, and drives a vehicle with a low ISO rating. Someone that matches those criteria receives the best prices and therefore will save money with a new company.

Potential customers who do not match these standards will get higher prices with the end result being the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everyone who quotes” save that much. That is how companies can truthfully make claims that they all have the best prices.

Each company has different criteria, so it is so important to get insurance quotes as often as possible. It’s impossible to know the company that will provide the lowest premium rates.

Why you might pay lower rates

Many different elements are taken into consideration when you get a price on insurance. Most are fairly basic like your driving record, but other criteria are less apparent such as your credit history or your vehicle rating.Part of the auto insurance buying process is learning some of the elements that go into determining the level of your policy premiums. If you know what impacts premium levels, this empowers consumers to make smart changes that can help you get lower premium levels.

Listed below are some of the most common factors used by your company to calculate your rates.

  • Low coverage deductibles cost more – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. A few examples of covered claims are a dented fender, damage from fire, or theft. The deductibles represent how much money you are willing to pay if a covered claim is submitted. The more expense you are required to pay out-of-pocket, the lower your rates will be for Ranger coverage.
  • Discounts for auto and home policies – Most major companies provide a discount to people that purchase more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, it’s still a good idea to get quotes from other companies to confirm you are receiving the best rates possible.
  • Your address can push rates up or down – Being located in less populated areas of the country is a positive aspect when talking about auto insurance. People who live in big cities have traffic congestion and a longer drive to work. Fewer drivers and short commutes means fewer accidents as well as less vandalism and auto theft.
  • How your age affects prices – Older, more experienced drivers are more responsible, cost insurance companies less in claims , and are generally more financially stable.Teenage drivers are proven to be inattentive when driving and because of this, their auto insurance rates are much higher.
  • Save money by having responsible credit – Having a bad credit rating will be a significant factor in calculating your auto insurance rates. Drivers who have high credit ratings tend to file fewer claims than those with bad credit. If your credit is low, you could potentially save money when insuring your 2005 Ford Ranger by taking the time to improve your credit score.
  • Do you really need the incidental coverages? – Insurance companies have many extra coverages that can add up but may not be useful. Add-on coverages like rental car reimbursement, high-cost glass coverage, and Farm Bureau memberships could be just wasting money. These may sound like a good investment when discussing your needs, but now you might not need them so eliminate them to save money.
  • Safeguard your assets with liability coverage – A critical coverage on your policy, liability insurance kicks in in the event that a jury decides you are liable for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.

Don’t miss with these discounts

Car insurance can be pricey, but there are discounts available that you may not know about. A few discounts will be applied when you purchase, but some must be asked for before being credited.

  • Defensive Driver Discount – Successfully completing a defensive driver class could cut 5% off your bill depending on where you live.
  • Active Service Discounts – Having a family member in the military may qualify for rate reductions.
  • Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% for Ranger coverage.
  • Early Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Telematics Data – Insureds that choose to allow driving data submission to look at driving patterns by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they have good driving habits.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.

Keep in mind that some credits don’t apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, nobody gets a free ride. Any amount of discount will help lower the amount you pay for coverage.

If you would like to choose from a list of companies that offer discounts, click here.

Your situation helps dictate your coverage

When buying the right insurance coverage, there is no single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • When would I need additional glass coverage?
  • Is my camper covered by my car insurance policy?
  • How can I force my company to pay a claim?
  • If I drive on a suspended license am I covered?
  • Is my dog or cat covered if injured in an accident?
  • Should I carry comprehensive and collision coverage?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverage specifics

Having a good grasp of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by auto insurance companies.

Collision – This coverage will pay to fix damage to your Ranger caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, hitting a parking meter, colliding with a tree, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Ranger.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability – Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as bail bonds, legal defense fees, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, hitting a bird, theft, damage from a tornado or hurricane and hail damage. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as chiropractic care, funeral costs, hospital visits, doctor visits and prosthetic devices. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Shop around and save

Throughout this article, we presented many tips how you can get a better price on 2005 Ford Ranger insurance. The key thing to remember is the more companies you get prices for, the more likely it is that you will get a better rate. You may even find the most savings is with a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.

Low-cost 2005 Ford Ranger insurance is possible online in addition to local insurance agencies, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not offer price quotes online and most of the time these smaller providers only sell through independent agencies.

More detailed car insurance information is available by following these links:

Comments About 2005 Ford Ranger Insurance

  1. Shirleen Farrell

    From a town just southwest of Tulsa, OK. I don’t recall every quote but I ended up saving about $30 each month. A clean driving record helps.

  2. Alva Caldwell

    I found pretty cheap rate quotes for a 2005 Ford Ranger in North Charleston, South Carolina. Ended up at right around $460 every six months with AIG Insurance. Left Western Auto Insurance to switch. I increased coverages a little too. Wish I didn’t have to insure at all.

  3. Toshiko Parsons

    Does 21st Century use ACV or replacement cost?

  4. Blair Lucas

    Located in Rio Rancho, NM. Not sure of all the companies but I ended up saving about $60 each month.

  5. Lupita Pollard

    Anyone know if Progressive does SR-22s?

  6. Treasa Snyder

    Looking for cheaper 2005 Ford Ranger insurance in Mesa, AZ. Help!

  7. Laveta Vargas

    Will State Farm cancel if I have a claim?

  8. Ellsworth Warren

    Proud to be from West Valley City, UT. I quoted with Progressive, The General, and Farmers for my Ranger and saved just over $300 a year. Have a couple speeding tickets too. It’s easy to compare rates online now.