2011 Ford Ranger Insurance Quotes

Looking for lower car insurance rates for your Ford Ranger? Are you regretting the purchase of an expensive car insurance policy? Don’t sweat it because there are many consumers feeling the pinch from expensive car insurance.

Multiple car insurance companies compete for your business, so it can be very hard to choose a company and get the definite lowest cost out there.

Consumers should take time to do rate comparisons as often as possible because car insurance prices change quite often. If you had the best deal on Ranger coverage last year other companies may now be cheaper. Ignore everything you know about car insurance because it’s time to teach you the best methods to save on car insurance.

Insurance policy discounts you can’t miss

Companies offering auto insurance do not list all possible discounts in an easy-to-find place, so the next list breaks down a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy insurance online.

• Discount for Good Grades – This discount can save 20 to 25%. Many companies even apply the discount to college students until age 25.
• Responsible Driver Discount – Insureds who avoid accidents can save as much as half off their rates on Ranger coverage than drivers with accidents.
• Senior Citizen Rates – If you qualify as a senior citizen, you could receive reduced rates on Ranger coverage.
• Paperwork-free – Certain insurance companies give back up to $50 for signing up over the internet.
• Life Insurance – Select insurance companies reward you with a discounted rate on car insurance if you buy some life insurance too.
• Save with More Vehicles Insured – Insuring all your vehicles on one policy can reduce rates for all insured vehicles.

You should keep in mind that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. Even though it appears all the discounts add up to a free policy, nobody gets a free ride. But any discount should help reduce your insurance premiums.

Companies that may include some of the above discounts are:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

It’s a good idea to ask all companies you are considering to give you their best rates. All car insurance discounts may not apply to policyholders in your area.

Eight tips to get cheaper insurance rates

Many different elements are taken into consideration when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other factors are more transparent such as your credit history and annual miles driven.

• Amount of liability insurance – Your car insurance policy’s liability coverage is the coverage that protects you when you are responsible for damages from an accident. Liability insurance provides legal defense which can cost a lot. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not skimp.
• Where you live plays a part – Being located in areas with lower population can save you money if you are looking for the lowest rates. Less people living in that area corresponds to lower accident rates in addition to fewer liability claims. Residents of big cities have more aggressive driving styles and longer commutes to work. Spending more time driving translates into higher accident risk.
• High comp and collision deductibles cost less – Insurance for physical damage, aka comp and collision, insures against damage to your Ford. Some coverage claims are a broken side mirror, hail damage, and rolling your vehicle. Comprehensive and collision coverage deductibles define how much you are required to spend out-of-pocket before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the bigger discount you will receive on Ranger coverage.
• Higher rates for high stress vocations – Jobs like military personnel, business owners and emergency personnel are shown to have higher premium rates because of high stress and incredibly demanding work hours. Other careers such as farmers, athletes and homemakers receive lower rates on Ranger coverage.
• Alarm systems save money – Choosing to buy a car with a theft deterrent system can save you some money. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop vehicle theft.
• Youthful drivers cost more – Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims .Teenage drivers have a tendency to get distracted easily when behind the wheel therefore car insurance rates are much higher.
• Avoid traffic tickets – Good drivers receive lower rates as compared to careless drivers. Having a single chargable violation can increase rates to the point where it’s not affordable. Drivers who get multiple violations like DUI or willful reckless driving might be required by their state to maintain a SR-22 with their state DMV in order to prevent a license revocation.
• Compare rates if you consolidate your policies – Lots of companies will award lower prices for people who buy several policies from them such as combining an auto and homeowners policy. Even with this discount applied, consumers should still get quotes from other companies to confirm you are receiving the best rates possible.There is a good possibility that you can save even more even if you insure with multiple companies

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can aid in determining if you might need an agent’s assistance.

• If I drive on a suspended license am I covered?
• Am I covered if my car is in a flood?
• Am I covered if I wreck a rental car?
• When should I drop full coverage on my 2011 Ford Ranger?
• What can I do if my company denied a claim?
• Do I need to file an SR-22 for a DUI in my state?
• Does my 2011 Ford Ranger need full coverage?
• Do I pay less for low miles?
• When should I not file a claim?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance advertisements

Companies like State Farm and Allstate seem to constantly run ads in print and on television. They all seem to state the claim about how much you will save just by switching your coverage. How does every car insurance company have lower policy pricing? This is how they do it.

Most companies quote their best rates for the type of customer that earns them the most money. One example of a profitable insured may need to be a married female, has no tickets, and insures a new vehicle. Anybody who matches those parameters will probably get cheap auto insurance rates and as a result will probably save a lot of money.

Drivers who fall short of the ideal profile will get higher premiums which leads to the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can advertise the savings.

Each company has different criteria, so drivers should do a rate comparison at every renewal. It’s just too difficult to predict which company will have the lowest rate quotes.

Car insurance coverage information

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, rock chips in glass, vandalism and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers 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 a good idea. Normally these limits are set the same as your liablity limits.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses such as rehabilitation expenses, surgery and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, legal defense fees and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision coverage pays for damage to your Ranger from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, crashing into a building, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Make an honest buck

You just read many ways to save on 2011 Ford Ranger insurance. The key concept to understand is the more companies you get car insurance rates for, the better your comparison will be. You may even find the lowest rates are with some of the smallest insurance companies. These companies may only write in your state and offer lower car insurance rates than their larger competitors like Allstate, Geico and Progressive.

Low-cost 2011 Ford Ranger insurance is definitely available on the web and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not have online price quotes and usually these small, regional companies work with local independent agencies.

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. In many instances, an insured dropped liability coverage limits only to regret at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

More tips and info about auto insurance can be read by following these links:

• Safety Belts FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Teen Driving and Texting (State Farm)