2000 Ford Ranger Car Insurance Rates – 9 Policy Discounts

Are you overwhelmed by the number of car insurance choices in your area? You have so many options that it can be a difficult challenge to find the lowest price.

You should take the time to get comparison quotes quite often since rates change quite often. Even if you got the best deal on Ranger coverage two years ago you can probably find a better price now. Block out anything you think you know about car insurance because you’re going to get a crash course in the only way to reduce your cost while increasing coverage.

Affordable insurance coverage price quotes online

Effectively comparing insurance coverage prices can be a daunting task if you don’t understand the fastest way to get free quotes. You can waste hours driving to insurance agencies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

The majority of car insurance companies enroll in a system where prospective buyers enter their policy data once, and each company can provide price quotes. This prevents consumers from doing quote requests for every insurance coverage company.

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

The only downside to pricing coverage this way is you are unable to specify which insurance companies you want to price. So if you prefer to pick specific insurance companies for rate comparison, we put together a list of insurance coverage companies in your area. Click to view list.

However you get your quotes, make sure you are using apples-to-apples information with each company. If you compare different liability limits you will not be able to determine the best price for your Ford Ranger. Slightly different coverage limits could skew the results. And when quoting insurance coverage, remember that having more price comparisons helps locate lower pricing.

Do you qualify for discount auto insurance?

Companies don’t always list all available discounts very clearly, so the following is a list of a few of the more well known and also the lesser-known discounts that you may qualify for. If you’re not getting every credit possible, you could be saving more on your auto insurance.

  • Homeowners Pay Less – Just owning your own home can save a few bucks because owning a home demonstrates responsibility.
  • No Accidents – Good drivers with no accidents can save substantially when compared to accident-prone drivers.
  • Driver’s Ed – Cut your cost by having your teen driver enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Multi-car Discount – Buying coverage for primary and secondary vehicles on the same auto insurance policy could earn a price break for each car.
  • Renewal Discounts – A few larger companies offer discounts for buying a new policy before your current expiration date. You can save around 10% with this discount.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% on Ranger coverage but check with your company.
  • Theft Deterent – Cars that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10% on Ranger coverage.
  • Good Students Pay Less – Being a good student may save as much as 25% on a insurance quote. Many companies even apply the discount to college students well after school through age 25.

As a sidenote, most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, companies don’t profit that way.

For a list of insurance companies that offer some of these discounts, click this link.

What insurance coverages do I need?

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help you determine whether you could use an agent’s help.

  • Is my teen driver covered when they drive my company car?
  • Why do I need rental car insurance?
  • Which companies will insure high-risk drivers?
  • When should my teen driver be added to my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is a fancy paint job covered?
  • Is other people’s property covered if stolen from my vehicle?
  • How much liability insurance is required?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Car insurance 101

Having a good grasp of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability coverage – This coverage can cover damage or injury you incur to a person or their property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims such as pain and suffering, court costs, medical expenses, attorney fees and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision insurance covers damage to your Ranger from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, sideswiping another vehicle and hitting a mailbox. 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 get cheaper collision coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills like X-ray expenses, prosthetic devices and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, damage from flooding, hitting a deer and rock chips in glass. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

In Summary

In this article, we covered a lot of information how to lower your 2000 Ford Ranger insurance premium rates. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding affordable insurance. You may even discover the biggest savings come from the smaller companies.

Budget-friendly insurance can be sourced from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide rates over the internet and most of the time these small insurance companies provide coverage only through independent agencies.

Drivers change insurance companies for a number of reasons such as extreme rates for teen drivers, policy cancellation, high prices and even being labeled a high risk driver. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.

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