Cut your Ford Ranger Insurance Rates in Five Minutes
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But more than likely, it's challenging for most people and we always end up paying more than we want. You probably feel the same way when trying to find cheaper coverage for your Ford Ranger.
Step One: Compare Multiple Rate Quotes
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Now you can compare rates and buy a policy online!
Getting online rate quotes for a Ford Ranger from all the major insurance companies is very easy and only requires you to enter your information once.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Ranger is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Cut Costs on Ranger Insurance
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Ranger that will also lower the rate you pay irregardless of which company you choose.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- Newer car models are coming standard with advanced passenger safety systems, and these help reduce the risk of injury in an accident. Less injuries mean lower insurance rates.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- The easiest way to INCREASE your car insurance rates is to add a teenage driver to your policy. There aren't many ways to prevent a rate increase, but if you can rate them on an older vehicle, it can help.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- How is your credit rating? The better credit you have, the less insurance will cost for your Ranger. If you have bad credit, work on improving your credit score and repair past credit problems.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
Step Three: Purchase a New Policy
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
If the Ford Ranger is a new purchase and you already have car insurance, then you will have some coverage that extends to the vehicle. But if you let your old policy lapse or have never had coverage, you don't have any protection once you buy the vehicle. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new Ranger.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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