2007 Ford Ranger Insurance Quotes – 9 Discounts for Cheaper Rates

There isn’t anyone who anticipates paying for car insurance, especially knowing it costs too dang much.

Due to the increasing number of different company options, it can be hard to locate the right car insurance company.

Consumers need to take a look at other company’s rates occasionally because car insurance rates change frequently. Even if you got the best deal on Ranger coverage two years ago you may be paying too much now. You can find a lot of misleading information regarding car insurance on the internet, but in a few minutes you can learn a bunch of ideas how to lower your car insurance rates.

Take these nine policy discounts and save

Car insurance is easily one of your largest bills, but you may be missing some discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you quote, but some discounts are required to be asked about prior to receiving the credit.

  • Passive Restraint Discount – Vehicles equipped with air bags can get savings as much as 30%.
  • Seat Belts Save – Forcing all vehicle occupants to use a seat belt could save 15% off the medical payments premium.
  • Paperwork-free – Some of the larger companies will discount your bill up to fifty bucks for buying your policy online.
  • Accident Forgiveness – but a few companies such as GEICO, State Farm, and Progressive will let one accident slide before hitting you with a surcharge if you are claim-free for a set time period.
  • Sign Early and Save – A few larger companies offer discounts for buying a policy early. This can save 10% or more.
  • Home Ownership Discount – Just being a homeowner may earn you a small savings since owning and maintaining a home shows financial diligence.
  • Telematics Data Discounts – Insureds who allow their car insurance company to scrutinize their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as the data is positive.
  • Driver Education Discount – Have your child sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less on Ranger coverage as compared to drivers with claims.

Don’t be surprised that most discounts do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, you aren’t that lucky. But all discounts will help lower your policy premiums.

To view companies offering car insurance discounts, click this link.

Which policy gives me the best coverage?

When choosing coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Is my 2007 Ford Ranger covered for smoke damage?
  • Does my insurance cover a custom paint job?
  • Will filing a claim cost me more?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How can I find cheaper teen driver insurance?
  • What happens if I owe more than my 2007 Ford Ranger is worth?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Coverage specifics

Having a good grasp of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as prosthetic devices, X-ray expenses, funeral costs, doctor visits and dental work. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage will pay to fix damage to your Ranger resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, driving through your garage door, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Ford Ranger.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, vandalism and hitting a deer. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability – Liability coverage can cover damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds, medical expenses, emergency aid and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Save your cold hard cash

Lower-priced 2007 Ford Ranger insurance can be sourced both online as well as from insurance agents, so you should compare both so you have a total pricing picture. Some auto insurance companies do not provide the ability to get a quote online and many times these regional insurance providers provide coverage only through independent agents.

Throughout this article, we presented some good ideas how to save on 2007 Ford Ranger insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices are with an unexpected company. They can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

Much more information about auto insurance can be read on the following sites:

Comments About 2007 Ford Ranger Insurance

  1. Anabel Simmons

    From south side of Greensboro, NC. Quoted prices online for a 2007 Ford Ranger. Ended up at about $260 savings annually. Went with GEICO.

  2. Joy Gentry

    I compared a lot of rate quotes for a 2007 Ford Ranger in Provo, Utah. Ended up at roughly $400 every six months with AAA. Switched homeowners coverage too. Can still barely afford it.

  3. Sammy Roman

    Good detail in your article. I live just outside Rapid City, SD. Got car insurance prices from Amica, Nationwide, and some smaller one I can’t remember the name of for my 2007 Ford Ranger and saved $516 a year. Switched homeowners coverage too.

  4. Marx Osborn

    Will Progressive give a discount for driver training?

  5. Patria Justice

    I live in Boise, Idaho, and Allstate rates were best.

  6. Bambi Berry

    Went with GEICO for my 2007 Ford Ranger and am saving around $330 a year.

  7. Austin Colon

    I chose to switch to Allstate from American Family. I live in Grand Rapids, MI. Not sure if rates are cheaper online or through an agent.

  8. Veronique Whitehead

    I can’t pay high rates. I live south of Fort Wayne, IN. Received quotes from Auto-Owners, Farmers, and Safeco for my Ranger and saved around $240 a year. Teenage drivers are expensive!