Compare 2006 Ford Ranger Insurance Rates

Shoppers have a choice when shopping for the lowest priced Ford Ranger insurance. You can either waste hours driving around trying to get quotes or use the internet to get rate quotes.

There is a better way to compare insurance coverage rates and we’ll show you the absolute fastest way to compare rates for a Ford and find the cheapest rates from local insurance agents and online providers.

This information will teach you how to get online quotes. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Drivers just need to understand how to compare price quotes over the internet.

The method we recommend to compare insurance rates from multiple companies is to know the fact auto insurance companies will pay a fee to give free rates quotes. The only thing you need to do is give the companies some data including if the car is leased, types of safety features, how much school you completed, and if your license is active. Your details is instantly submitted to insurance carriers in your area and they return quotes quickly.

Discounts to earn affordable car insurance rates

Car insurance is not inexpensive, but you can get discounts to cut the cost considerably. Some trigger automatically at the time of purchase, but a few must be manually applied in order for you to get them.

• Discount for Multiple Policies – If you can bundle your auto and home insurance and place coverage with the same company you will save as much as 10 to 15 percent.
• Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Defensive Driving Course – Passing a defensive driving class could earn you a small percentage discount and also improve your driving technique.
• Claim-Free Discount – Drivers who stay claim-free have much lower rates as opposed to insureds who have frequent claims or accidents.
• Own a Home and Save – Simply owning a home can get you a discount because it is proof that your finances are in order.
• Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Ranger insurance than their less cautious counterparts.

One last thing about discounts, some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Just because it seems like adding up those discounts means a free policy, you’re out of luck. But all discounts should help lower your policy premiums.

A list of car insurance companies and their offered discounts are included below.

• Geico offers discounts for multi-policy, driver training, military active duty, emergency military deployment, seat belt use, defensive driver, and good student.
• MetLife may include discounts for good student, accident-free, claim-free, good driver, multi-policy, defensive driver
• Progressive has savings for multi-vehicle, good student, online quote discount, continuous coverage, online signing, homeowner, and multi-policy.
• Travelers may offer discounts for good student, payment discounts, IntelliDrive, multi-policy, multi-car, and hybrid/electric vehicle.
• SAFECO may have discounts that include homeowner, teen safe driver, teen safety rewards, multi-car, and safe driver.
• AAA discounts include multi-policy, good driver, anti-theft, education and occupation, AAA membership discount, and multi-car.

If you need lower rates, check with every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered in your area. To choose insurance companies with the best discounts, follow this link.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether or not you might need an agent’s assistance.

• Is my teen driver covered when they drive my company car?
• When should I buy a commercial auto policy?
• Does my personal policy cover me when driving out-of-state?
• Why is insurance for a teen driver so high?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered when driving someone else’s vehicle?
• Will I lose any money if I cancel my policy before it expires?
• What is roadside assistance coverage?
• Is a new car covered when I drive it off the dealer lot?
• Is my Ford Ranger covered if I use it for business?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance coverage information

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your 2006 Ford Ranger.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability – Liability coverage protects you from damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like funeral expenses, repair bills for other people’s vehicles, medical expenses, attorney fees and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, theft, fire damage and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance – Med pay and PIP coverage reimburse you for immediate expenses like rehabilitation expenses, pain medications, EMT expenses, X-ray expenses and chiropractic care. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree, driving through your garage door, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.