Save on 2000 Ford Ranger Insurance Quotes

Searching for cheaper auto insurance rates for your Ford Ranger? I really doubt anyone is fond of buying auto insurance, especially knowing they could find better rates elsewhere. Online insurance companies like State Farm, Progressive and Geico all promote huge savings with TV and radio ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Affordable insurance coverage quotes with discounts

The price of auto insurance can be rather high, but you might already qualify for some discounts that can dramatically reduce your bill. Some discounts apply automatically at the time you complete a quote, but some need to be requested specifically in order for you to get them.

• Homeowners Discount – Just being a homeowner can save you money because it requires a higher level of personal finance.
• Discounts for Federal Employees – Federal government employees could cut as much as 10% off on Ranger coverage with some insurance coverage companies.
• Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates on your policy.
• Save with a New Car – Adding a new car to your policy can get you a discount because new vehicles are generally safer.
• Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Ranger coverage than less cautious drivers.
• Military Discounts – Having a family member in the military may qualify for rate reductions.
• Anti-lock Brakes – Cars with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.

As a footnote on discounts, some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way.

A partial list of companies who may offer many of the previously listed discounts are:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

Check with every company which discounts you qualify for. A few discounts might not be offered on policies in every state. To see companies with discount insurance coverage rates, click this link.

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How to shop insurance online

There are several ways to shop for insurance, but one way is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with agents in your area, or you can stay home and use online quoting to achieve your goal.

Most major companies enroll in a system that enables customers to send in one quote, and every company then gives them pricing for coverage. This eliminates the need for form submissions to every company.

To compare rates using this form now click here to open in new window.

The only downside to getting quotes like this is you cannot specify which companies you want pricing from. If you wish to select specific providers to receive pricing from, we have a listing of insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just try to use the same coverages and limits on every quote you get. If you have higher or lower deductibles you can’t possibly determine the best price for your Ford Ranger.

Find Ford Ranger insurance cheaper

Many different elements are used when pricing auto insurance. Some are pretty understandable such as your driving record, but other criteria are not quite as obvious such as your marital status or how safe your car is.

The following are most of the major factors used by companies to determine premiums.

• Know your vehicle’s crash test rating – Safe vehicles can get you lower premiums. These vehicles reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims and lower rates for you.
• Men pay higher premiums – Over the last 30 years, statistics show females are less aggressive when driving. However, this does not mean women are better drivers. Males and females are responsible for accidents at a similar rate, but men have accidents that have higher claims. In addition to higher claims, males also receive more major tickets such as reckless driving.
• Premiums are high for teenagers – Young drivers are statistically shown to be less responsible behind the wheel so they pay higher insurance coverage rates. Having to add a teenage driver onto a policy can increase premiums substantially. Older people tend to be more responsible, are lower risk to insure and get fewer tickets.
• Why do you need liability? – Your insurance coverage policy’s liability coverage will provide protection if you are ruled to be at fault for an accident. Liability insurance provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.

Tailor your insurance coverage to you

When buying the best insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might point out whether you might need an agent’s assistance.

• How much can I save by bundling my policies?
• How much underlying liability do I need for an umbrella policy?
• What should my uninsured motorist coverage limits be in my state?
• What if I don’t agree with a claim settlement offer?
• How high should deductibles be on a 2000 Ford Ranger?
• Am I better off with higher deductibles on my 2000 Ford Ranger?
• If I drive on a suspended license am I covered?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

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Detailed coverages of your auto insurance policy

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, rock chips in glass, falling objects and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Ford Ranger.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for dental work, X-ray expenses and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP 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 gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as emergency aid, attorney fees, medical expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision insurance covers damage to your Ranger from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

What is YOUR best insurance company?

Cheaper 2000 Ford Ranger insurance can be purchased both online and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not provide the ability to get a quote online and these regional insurance providers only sell through local independent agents.

We just covered some good ideas how to shop for 2000 Ford Ranger insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting low cost insurance coverage. You may even discover the best rates are with the smaller companies. Smaller companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Geico and State Farm.

Additional information can be found at these links:

• What is Gap Insurance? (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• State Laws for Cellphones and Texting (iihs.org)

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