2007 Ford Ranger Car Insurance Quotes

Nobody I know enjoys paying for insurance coverage, especially when they know they could find better rates elsewhere.

Since you have so many different company options, it can be challenging to pick the cheapest insurer.

Finding affordable coverage is not rocket science. Basically, every driver who buys auto insurance will be able to find better rates. But drivers do need to understand how companies determine prices and apply this information to your search.

The best way we recommend to compare car insurance rates is to take advantage of the fact auto insurance companies will pay a fee to compare rate quotes. The only thing you need to do is provide a little information including if you’re married, what you do for a living, the type of vehicles you drive, and whether your vehicle is owned or leased. Those rating factors is instantly provided to insurance companies and they return quotes with very little delay.

To find lower rates now, click here and enter your zip code.

Insurance companies offer many types of discounts

Some companies don’t always list all disounts in a way that’s easy to find, so the following list contains both the well known and the harder-to-find discounts you could be receiving when you buy insurance coverage online.

• College Student Discount – Kids who live away from home to go to college and leave their car at home could qualify for this discount.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• ABS Braking Discount – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions so companies give up to a 10% discount.
• Discount for Home Ownership – Owning a house can save you money since owning and maintaining a home shows financial diligence.
• No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance coverage quote as opposed to frequent claim filers.

Consumers should know that some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Popular insurance companies and some of the premium reductions they offer are shown below.

• Farmers Insurance may offer discounts for good student, business and professional, multi-car, electronic funds transfer, switch companies, and bundle discounts.
• State Farm policyholders can earn discounts including anti-theft, good student, good driver, Drive Safe & Save, passive restraint, and multiple autos.
• Liberty Mutual includes discounts for hybrid vehicle, multi-car, good student, preferred payment discount, new graduate, and newly married.
• MetLife offers discounts including claim-free, multi-policy, accident-free, good student, and good driver.
• Progressive may have discounts that include homeowner, good student, multi-vehicle, multi-policy, online signing, continuous coverage, and online quote discount.

When quoting, ask every prospective company which credits you are entitled to. All car insurance discounts might not be available to policyholders everywhere. To locate insurers with discount rates, click here.

Do I just need basic coverages?

When buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

• Will filing a claim cost me more?
• Can I make deliveries for my home business?
• Is my ex-spouse still covered by my policy?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What exactly is covered by my policy?
• Does my policy cover my teen driver if they drive my company car?
• Do I need more liability coverage?
• How do I insure my teen driver?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Learn about car insurance coverages for a Ford Ranger

Having a good grasp of a car insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for bills like funeral costs, EMT expenses, nursing services, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your 2007 Ford Ranger.

Since many 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 important protection for you and your family.

Comprehensive car insurance – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, hail damage and a tree branch falling on your vehicle. The most your car insurance company will pay 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 coverage covers damage to your Ranger caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Liability coverage – This can cover damage that occurs to people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as structural damage, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.