Cheaper 2006 Ford Ranger Insurance Quotes

Searching for lower insurance rates for your Ford Ranger? Did you make the mistake of buying overpriced insurance? You’re in good company because you’re not alone. Big companies like Allstate and Progressive continually hit you with ad campaigns and it can be hard to sift through the bull and find the best price available.

Consumers should take time to price shop coverage periodically because insurance rates trend upward over time. Even if you got the best premium rates on Ranger insurance a year ago there is a good chance you can find better prices now. Don’t believe everything you read about insurance online but in a few minutes you can learn some guaranteed methods to save money.

Are you earning every discount?

Companies that sell car insurance don’t list every possible discount very clearly, so the list below gives a summary of a few of the more well known and the harder-to-find savings tricks you should be using when you buy insurance online.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.
  • New Vehicle Savings – Buying a new car instead of a used car can save you some money since newer models have better safety ratings.
  • Distant Student – Older children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Data Collection Discounts – Insureds that choose to allow their auto insurance company to analyze vehicle usage through the use of a telematics system such as Progressive’s Snapshot could see a rate decrease if their driving habits are good.
  • First Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will turn a blind eye to one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Lower Rates for Military – Having an actively deployed family member can result in better rates.
  • Paperless Signup – Many auto insurance companies provide a small discount for buying your policy over the internet.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
  • Homeowners Pay Less – Owning a house can get you a discount because owning a home requires personal responsibility.

Keep in mind that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Even though it appears you can get free auto insurance, nobody gets a free ride.

Large auto insurance companies and their offered discounts can be found below.

  • State Farm may include discounts for multiple autos, passive restraint, safe vehicle, multiple policy, good driver, and anti-theft.
  • Geico policyholders can earn discounts including federal employee, defensive driver, driver training, membership and employees, five-year accident-free, anti-theft, and multi-policy.
  • Progressive discounts include multi-vehicle, continuous coverage, online quote discount, online signing, and multi-policy.
  • 21st Century has discounts for automatic seat belts, early bird, driver training, theft prevention, teen driver, and 55 and older.
  • American Family offers premium reductions for good student, good driver, TimeAway discount, air bags, and mySafetyValet.
  • The Hartford offers discounts for defensive driver, anti-theft, air bag, bundle, and driver training.
  • AAA may have discounts that include multi-car, multi-policy, education and occupation, pay-in-full, AAA membership discount, good driver, and good student.

When quoting, ask every insurance company which discounts can lower your rates. All car insurance discounts may not apply in your state. To see a list of providers who offer discounts, click here.

Low cost car insurance prices

Finding a lower price on 2006 Ford Ranger insurance can be surprisingly simple. All that’s required is to take time getting comparison quotes to find out which insurance company has low cost insurance quotes. Rate comparisons can be done by following the guidelines below.

  • The fastest way to get quotes is a comparison rater form click to view form in new window. This form keeps you from doing separate forms for every company. Completing one form gets rate comparisons instantly.
  • Another way to find more affordable insurance consists of visiting each company’s website and fill out a new quote form. For sake of this example, let’s assume you want to compare USAA, Liberty Mutual and Travelers. To find out each rate you need to visit each site and repeatedly enter your information, which can be really labor intensive. To view a list of companies in your area, click here.

The method you choose is up to you, but make sure you use exactly the same coverage limits and deductibles with each company. If you use mixed coverages you will not be able to make an equal comparison.

When in doubt talk to an agent

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • Should I rate my 2006 Ford Ranger as pleasure use or commute?
  • Why am I required to buy liability insurance?
  • Why is insurance for a teen driver so high?
  • Are my friends covered when driving my 2006 Ford Ranger?
  • Can I get a multi-policy discount?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is motorclub coverage worth it?
  • What are the financial responsibility laws in my state?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages

Learning about specific coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from auto insurance companies.

Auto liability insurance

This will cover damage or injury you incur to people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, medical services and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, a broken windshield and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses for things like surgery, X-ray expenses, ambulance fees and funeral costs. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Collision coverage

This coverage pays for damage to your Ranger caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

In Summary

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your goal is to get the best coverage possible at the best cost, not the least amount of coverage.

Throughout this article, we presented many ideas to shop for 2006 Ford Ranger insurance online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a small local company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

Cheap 2006 Ford Ranger insurance is possible on the web as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide rates over the internet and these smaller companies only sell coverage through independent agencies.

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