2006 Ford Ranger Insurance Rates

Searching for lower insurance rates for your Ford Ranger? Have you fallen victim to overpriced insurance? Trust us when we tell you you’re not the only one. Big-name insurance companies like Progressive, State Farm and Geico constantly blast consumers with ads and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

It’s important to compare prices at least once a year since insurance rates change frequently. Just because you had the lowest rates on Ranger coverage on your last policy a different company probably has better rates today. There is a lot of bad information regarding insurance on the web, but with this article, you’re going to get some excellent ideas to reduce your insurance bill.

Insurance Quote Comparison

Effectively comparing insurance prices can take time and effort if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can utilize the internet for quick rates.

The majority of car insurance companies take part in a program where prospective buyers enter their coverage request one time, and each company returns a competitive quote for coverage. This eliminates the need for quotation requests for each company you want a rate for.

To compare 2006 Ford Ranger rates using this form now click here (opens in new window).

The one downside to pricing coverage this way is buyers cannot specifically choose which companies you will receive quotes from. If you would rather choose specific providers to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you are comparing apples-to-apples deductibles and coverage limits for each comparison quote. If you are comparing higher or lower deductibles it’s not possible to make an equal comparison.

Save big with these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to help bring down the price. Some discounts apply automatically at quote time, but a few need to be specially asked for before being credited. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less on Ranger coverage than less cautious drivers.
  • Defensive Driving Course – Completing a defensive driving course can save you 5% or more if your company offers it.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Student in College – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Waiver – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Good Student Discount – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
  • E-sign – A few companies may give you up to $50 simply for signing digitally online.

Consumers should know that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will bring down the cost of coverage.

A partial list of companies that possibly offer these benefits may include but are not limited to:

It’s a good idea to ask every prospective company how you can save money. All car insurance discounts might not apply in your area.

But I don’t know anything about car insurance

When buying the best insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight if your situation could use an agent’s help.

  • How can I force my company to pay a claim?
  • What vehicles should carry emergency assistance coverage?
  • Will my insurance pay for OEM parts?
  • Am I covered by my spouse’s policy after a separation?
  • How many claims can I have before being cancelled?
  • Which companies will insure high-risk drivers?
  • What are the best liability limits?
  • Do I need more liability coverage?
  • If my pet gets injured in an accident are they covered?
  • Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with 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 only takes a few minutes and can provide invaluable advice.

Auto insurance coverages explained

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages available from auto insurance companies.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for dental work, funeral costs and ambulance fees. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage pays for damage to your Ranger resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability car insurance – This coverage will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair costs for stationary objects, loss of income and emergency aid. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

UM/UIM Coverage – This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2006 Ford Ranger.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, a broken windshield and theft. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Feed the piggy bank

As you prepare to switch companies, never reduce coverage to reduce premium. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Affordable 2006 Ford Ranger insurance is attainable both online in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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