View 2010 Ford Ranger Insurance Quotes

Saving money on auto insurance can seem to be a challenge for beginners to shopping for insurance online. People have so many options that it can quickly become a lot of work to find lower rates.

If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Locating the best protection is not that difficult. But consumers can benefit by having an understanding of how companies market on the web and take advantage of how the system works.

Don’t overlook these discounts

Companies that sell car insurance don’t always list all available discounts in a way that’s easy to find, so we break down both well-publicized and the more hidden ways to save on insurance coverage.

  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% for Ranger coverage depending on your company.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Senior Citizens – Older drivers may receive better insurance coverage rates for Ranger coverage.
  • Low Mileage – Keeping the miles down on your Ford could be rewarded with lower rates on the low mileage vehicles.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount on insurance coverage for Ranger coverage.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

Car insurance companies that may offer these benefits include:

Double check with each insurance company how you can save money. Savings may not apply everywhere.

Factors that might impact rates for a Ford Ranger

It’s important that you understand the different types of things that help determine your auto insurance rates. Knowing what impacts premium levels enables informed choices that could result in better auto insurance rates.

  • Lower rates come with age – Teen drivers tend to be less responsible in a vehicle so auto insurance rates are higher. Mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Do you qualify for a multi-policy discount? – The majority of auto insurance companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, you still need to shop around to make sure you are getting the best deal. Consumers may find a better deal by buying auto insurance from a different company.
  • Credit scores impact auto insurance rates – Credit score is a important factor in determining what you pay for auto insurance. Therefore, if your credit rating is lower than you’d like, you could save money insuring your 2010 Ford Ranger by improving your rating. Consumers who have high credit scores tend to be less risk to insure than those with poor credit.
  • Men fork out a little more – Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. Both sexes have accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Teenage male drivers are the most expensive to insure and thus pay the highest rates.
  • Adjust deductibles and save – Physical damage insurance, also known as collision and other-than-collision, protects your Ford from damage. Examples of covered claims are running into the backend of another car, collision with an animal, and burglary. Physical damage deductibles are the amount of money you are required to spend before a claim is paid by your company. The more expense you’re willing to pay, the lower your rates will be for Ranger coverage.
  • Equipment add-ons that lower auto insurance rates – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.

Is my situation unique?

When it comes to buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique.

For example, these questions may help highlight whether you may require specific advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I still get insurance after a DUI?
  • Should I get collision insurance on every vehicle?
  • What are the best liability limits?
  • Is my custom paint covered by insurance?
  • What can I do if my company won’t pay a claim?
  • Is my 2010 Ford Ranger covered for flood damage?
  • Is business equipment covered while in my vehicle?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

Misconceptions in insurance advertisements

Insurance providers like Progressive, Allstate and Geico consistently run ads on TV and radio. They all make the same claim of big savings if you change to them. But how can every company make almost identical claims?

Insurance companies have a preferred profile for the driver that earns them a profit. A good example of a profitable customer might be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who don’t measure up to these standards must pay higher premiums and ends up with business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much. This is how companies can truthfully make those claims. This illustrates why drivers must get a wide range of price quotes. Because you never know which insurance companies will have the lowest Ford Ranger insurance rates.

Specific coverage details

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Ford Ranger.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical services and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses like X-ray expenses, rehabilitation expenses and nursing services. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a bird, rock chips in glass and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Save for a rainy day

Throughout this article, we presented a lot of tips how to reduce 2010 Ford Ranger insurance prices online. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance comes from an unexpected company.

Lower-priced insurance is definitely available on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Consumers switch companies for a variety of reasons including an unsatisfactory settlement offer, lack of trust in their agent, policy cancellation and even delays in paying claims. No matter why you want to switch, switching companies is actually quite simple.

More tips and info about insurance is available by following these links: