2000 Ford Ranger Car Insurance Rates

Want the cheapest insurance coverage rates for your Ford Ranger? Sick and tired of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as many other drivers. You have multiple auto insurance companies to buy insurance from, and even though it’s nice to have a choice, so many choices can make it hard to compare rates and cut insurance costs.

Finding the best rates is not that difficult. If you are insured now or are just looking to switch companies, you can follow these tips to find better prices while maintaining coverages. Drivers only need to know the proper methods to get comparison quotes over the internet.

Factors determining your Ford Ranger insurance premium

It’s important that you understand the factors that go into determining your car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Do men or women drive better? – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men are in accidents at a similar rate, but the males cause more damage. They also get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • With age comes lower rates – Youthful drivers are known to be careless and easily distracted in a vehicle so they pay higher car insurance rates. Mature drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.
  • Do you need those extra coverages? – There are a ton of extra coverages you can purchase if you aren’t careful. Coverages for rental car reimbursement, better glass coverage and term life insurance are some examples. They may seem good initially, but if they’re wasting money eliminate them to save money.
  • Don’t cancel a policy without a new one in place – Driving with no insurance is illegal and your next policy will cost more because you let your coverage lapse. Not only will you pay more, getting caught without coverage might get you a steep fine or even jail time.
  • Keep rates low by being claim-free – Auto insurance companies generally give lower rates to policyholders who are claim-free. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • Your occupation can affect rates – Careers like real estate brokers, executives and dentists tend to have the highest average rates due to high stress levels and lengthy work days. Other occupations like actors, historians and retirees receive lower rates for Ranger insurance.

Vehicle Insurance Comparison

Shopping for lower auto insurance rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can spend countless hours driving to agents in your area, or you could use online quoting to get pricing more quickly.

Most of the best insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each company returns a competitive quote determined by their information. This system prevents you from having to do quote requests for each company.

To access this free quoting program, click to open in new window.

One minor caviat to pricing coverage this way is that consumers can’t choose which providers you want to price. If you would rather choose specific providers to compare rates, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare apples-to-apples coverage limits with each company. If you are comparing different limits and deductibles on each one it’s impossible to find the best deal for your Ford Ranger.

Do drivers who switch really save?

Drivers can’t get away from ads for the lowest price auto insurance by State Farm and Allstate. They all make an identical promise that you’ll save big if you change to their company.

How can each company say the same thing? It’s all in the numbers.

All companies can use profiling for the type of driver they prefer to insure. For example, a profitable customer might be profiled as over the age of 50, has no tickets, and has great credit. Any new insured who meets those qualifications will get very good rates and therefore will save quite a bit of money when switching.

Consumers who are not a match for the “perfect” profile will have to pay higher rates and this can result in business going elsewhere. The ads say “people who switch” not “people who quote” save money. That is how companies can claim big savings. Because of the profiling, it is so important to quote coverage with many companies. It’s just too difficult to predict which company will fit your personal profile best.

Cut your premium with discounts

Auto insurance companies don’t list every discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find ways to save on auto insurance. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Auto/Life Discount – Some companies give a discount if you purchase life insurance.
  • Accident Waiver – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Good Student – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
  • No Claims – Drivers who don’t have accidents pay less compared to bad drivers.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, you’re out of luck.

Insurance companies that may have these benefits include:

It’s a good idea to ask every prospective company what discounts are available to you. Savings might not be offered in your area.

What is the best insurance coverage?

When choosing the best car insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions might help in determining whether or not you could use an agent’s help.

  • How do I file an SR-22 for a DUI in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why does it cost so much to insure a teen driver?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need replacement cost coverage?
  • Can I make deliveries for my home business?
  • Are rock chip repairs covered?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Having a good grasp of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for bills such as surgery, pain medications, hospital visits, nursing services and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability coverage – Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, court costs, repair bills for other people’s vehicles, loss of income and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you 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 and damage to your Ford Ranger.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive coverages – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, fire damage, damage from getting keyed, hitting a bird and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Be a Smart Shopper

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There have been many cases where an insured cut liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at a price you can afford.

We just covered a lot of techniques to lower your 2000 Ford Ranger insurance rates. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the biggest savings come from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

Much more information about insurance coverage is located at the links below