Compare 2010 Ford Ranger Car Insurance Rates

Trying to find lower insurance rates for your Ford Ranger? Did a good deal turn into overpriced insurance? Believe me, many consumers are in the same pinch.

With so many companies to choose from, it can be impossible to find the lowest price insurance company.

You need to take a look at other company’s rates yearly because insurance prices are variable and change quite frequently. Even if you think you had the lowest rates for Ranger insurance six months ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re about to learn the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Finding more affordable protection can be fairly easy. Basically, anyone who buys insurance coverage stands a good chance to be able to lower their premiums. But consumers should learn how insurance companies compete online and use this information to your advantage.

How to get auto insurance rate quotes

There are several ways to compare quotes from many auto insurance companies in your state. The best way to do a complete rate comparison is simply to get online rate quotes. This is quite simple and can be completed in a couple minutes as outlined below.

• One of the fastest ways to find low rates is a comparison rater form click to view form in new window. This type of form saves time by eliminating repetitive form submissions for every company. One simple form gets you price quotes from many national carriers.
• A slightly less efficient method to get quotes online requires a visit to each company’s website and repeat the quote process again and again. For examples sake, let’s say you want to compare prices for Geico, 21st Century and Farmers. To do that, you would have to navigate to each company’s site and enter your information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.
• The least recommended way to quote and compare insurance rates is going to all the different insurance agencies. Shopping for auto insurance online eliminates the middleman unless you prefer the professional guidance that can only be provided by a licensed insurance agent. It is possible to get prices online but have your policy serviced through an agent.

It doesn’t matter which method you choose, just do your best to use apples-to-apples coverage data for each quote you get. If each company quotes mixed coverages it will be next to impossible to determine the best price for your Ford Ranger. Slightly different insurance coverages could throw off the whole comparison. Just remember that comparing a large number of companies increases the change that you will find better pricing.

There’s no such thing as the perfect car insurance policy

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you could use an agent’s help.

• Do I need rental car coverage?
• Does my car insurance cover rental cars?
• How high should deductibles be on a 2010 Ford Ranger?
• Do I need an umbrella policy?
• Is my state a no-fault state?
• When should I drop full coverage on my 2010 Ford Ranger?
• Is my 2010 Ford Ranger covered for smoke damage?
• Is my teenager covered with friends in the car?
• Can I get a multi-policy discount?

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 or you can also visit this page to select a carrier

Car insurance coverages for a Ford Ranger

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Liability coverage – This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as court costs, attorney fees and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 2010 Ford Ranger.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverage – This coverage covers damage to your Ranger resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, damaging your car on a curb, crashing into a building, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like doctor visits, pain medications and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, hitting a deer, damage from flooding, rock chips in glass and vandalism. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.