2009 Ford Ranger Car Insurance Rates – 6 Policy Discounts

If you’re shopping for cheaper insurance online, do you get confused by the wide range of insurance coverage companies in your area? There are so many choices that it is a difficult situation to find the lowest price.

It is always a good idea to take a look at other company’s rates before your next renewal because prices change regularly. Just because you had the best price for Ranger insurance six months ago a different company probably has better rates today. Ignore everything you know about insurance coverage because you’re going to learn the best methods to find better rates and still maintain coverage.

Finding affordable coverage is not rocket science. If you currently have car insurance, you should be able to save some money using this strategy. But consumers can benefit from knowing the way insurance companies compete online and apply this information to your search.

Auto insurance discounts are available to reduce your rates

Car insurance companies do not list every available discount very clearly, so the following list contains some of the more common and also the lesser-known discounts that you may qualify for.

  • Low Miles Discount – Low annual miles may enable drivers to earn substantially lower rates.
  • Theft Deterent System – Cars and trucks that have factory anti-theft systems prevent vehicle theft and that can save you a little bit as well.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. You can use this discount normally well after school through age 25.
  • Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
  • Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Own a Home – Just being a homeowner may trigger a policy discount on auto insurance since owning and maintaining a home requires a higher level of personal finance.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

For a list of insurance companies with discount rates, click this link.

Everyone needs different auto insurance coverages

When buying the best auto insurance coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions could help you determine whether you would benefit from professional advice.

  • What is medical payments coverage?
  • What if I owe more than I can insure my car for?
  • Is my Ford Ranger covered if I use it for business?
  • How can I find cheaper teen driver insurance?
  • Are rock chip repairs covered?
  • What is covered by UM/UIM coverage?
  • Why am I required to buy liability insurance?
  • Does my 2009 Ford Ranger need full coverage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Learn about insurance coverages for a Ford Ranger

Knowing the specifics of insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Collision – This coverage covers damage to your Ranger resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, hitting a parking meter, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for rehabilitation expenses, dental work, nursing services and funeral costs. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Ranger.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverages – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, falling objects, rock chips in glass and damage from flooding. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – This provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like medical services, funeral expenses, legal defense fees, court costs and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Shop smart and save

Insureds leave their current company for a variety of reasons including policy cancellation, not issuing a premium refund, being labeled a high risk driver and denial of a claim. Regardless of your reason, finding a new company can be easy and end up saving you some money.

Throughout this article, we presented many ways to reduce 2009 Ford Ranger insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates come from a lesser-known regional company.

Some insurance companies may not provide internet price quotes and many times these smaller companies work with independent insurance agents. Cheap 2009 Ford Ranger insurance is available online and from local agencies, and you need to comparison shop both to get a complete price analysis.

Additional car insurance information can be found on the following sites: