How Much Does 2006 Ford Ranger Car Insurance Cost?

Are you regretting the purchase of high-priced car insurance? You’re preaching to the choir because you are not the only one feeling buyer’s remorse. Consumers have many auto insurance companies to choose from, and even though it’s nice to be able to choose, lots of choices makes it harder to compare rates and cut insurance costs.

Consumers need to compare premium rates before your policy renews since rates are usually higher with each renewal. If you had the lowest rate on Ranger coverage last year you may be paying too much now. Ignore everything you know about car insurance because you’re about to learn the only way to find the best coverage while lowering your premiums.

Finding affordable coverage is not that difficult. If you have insurance now or are just looking to switch companies, you can follow these tips to reduce the price you pay while maximizing coverage. Drivers only need to know the proper methods to compare prices over the internet.

Compare free insurance coverage rate quotes

Effectively comparing insurance coverage prices can be a lot of work if you don’t understand the fastest way to get free quotes. You could waste a few hours driving to insurance agencies in your area, or you can utilize the web to get rates in a matter of minutes.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each company provides a quote determined by their information. This saves time by eliminating quotation requests to each individual insurance coverage company. To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to getting quotes like this is that you can’t choose which carriers you want to price. If you prefer to choose specific providers to compare prices, we have assembled a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but try to use identical information on every quote. If you have different deductibles it will be nearly impossible to determine the best price for your Ford Ranger.

Find hidden discounts to get affordable car insurance quotes

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even know about. Some of these disounts will be visible when you quote, but some may not be applied and must be specifically requested before you will receive the discount. If you’re not getting every credit available, you are throwing money away.

• Student Discounts – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
• Cautious Drivers – Safe drivers can pay as much as 50% less on Ranger coverage as compared to drivers with claims.
• Discount for Low Mileage – Low mileage vehicles may allow you to get lower rates due to less chance of an accident.
• Government Employees – Having worked for a branch of the government could qualify for a slight premium decrease on Ranger coverage with a few car insurance companies.
• New Vehicle Savings – Buying a new car instead of a used car can cost up to 25% less since newer models are generally safer.
• Telematics Data – Insureds that choose to allow their company to scrutinize their driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as the data is positive.
• Memberships – Joining a qualifying organization could qualify you for a break when getting a auto insurance quote.
• Early Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
• Defensive Driver Discounts – Completing a driver safety class could cut 5% off your bill and easily pay for the cost of the class.
• Bundle and Save – If you insure your home and vehicles and place coverage with the same company you could save approximately 10% to 15%.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts should help reduce the cost of coverage.

A list of companies and a partial list of their discounts are detailed below.

• State Farm may offer discounts for multiple autos, Steer Clear safe driver discount, good driver, Drive Safe & Save, and safe vehicle.
• Geico has savings for good student, anti-theft, military active duty, air bags, and federal employee.
• Allstate may have discounts that include passive restraint, eSmart discount, economy car, premier plus, FullPay discount, multi-policy, and good student.
• SAFECO offers premium reductions for bundle discounts, drive less, multi-car, anti-theft, and teen safe driver.
• Farm Bureau may include discounts for safe driver, multi-vehicle, renewal discount, good student, and multi-policy.
• Progressive discounts include good student, continuous coverage, online signing, multi-vehicle, online quote discount, homeowner, and multi-policy.
• AAA policyholders can earn discounts including pay-in-full, good student, good driver, AAA membership discount, and education and occupation.

If you want cheap auto insurance quotes, ask every insurance company which discounts can lower your rates. Discounts might not be available to policyholders in every state. For a list of car insurance companies with significant discounts, click here to view.

Tailor your car insurance coverage to you

When choosing adequate coverage, there is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

• How can I get my company to pay me more for my totalled car?
• Is rental equipment covered for theft or damage?
• Does my insurance cover a custom paint job?
• What is UM/UIM insurance?
• What discounts do I qualify for?
• Why do I need rental car insurance?
• What is the ISO rating for a 2006 Ford Ranger?
• Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Insurance coverage specifics

Knowing the specifics of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as chiropractic care, rehabilitation expenses, pain medications, surgery and ambulance fees. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, hail damage, falling objects and vandalism. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage provides protection from damages or injuries you inflict on a person or their property. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

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 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like repair costs for stationary objects, medical expenses, court costs and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Ranger.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.