Ford Ranger Insurance Rates

Finding cheaper auto insurance by comparing rates online is easy and there is a good chance you might just save a little. The key is to get rates from all companies so you can compare all possible prices.

Consumers who are new to the process of shopping for insurance may think finding low-cost Ranger insurance is going to be difficult. Finding cheaper coverage prices can be quick and easy. All you need to do is take the time to get quotes from different insurance companies. It is quite easy and can be accomplished by visiting this page.

Auto insurance rates on a Ford Ranger can fluctuate considerably based upon several criteria. Some of these factors include:

Your driving record
Credit rating impacts rates
Male rates may be higher
Higher deductibles save money
Safety rating of your Ranger
Claims drive up premiums
Maintaining coverage lowers rates
Whether you own your home

A final factor which can affect Ranger insurance cost is the model year. A newer vehicle have a higher actual cash value in comparison to later models so repair costs are higher which may result in higher rates. But newer vehicles may have a trim level with safety features including adaptive cruise control, lane departure warning system, and pedestrian detection which may provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance

Liability insurance can cover damage that occurs to people or other property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision protection

This covers damage to your Ford resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage for your Ranger can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your Ford Ranger comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is not an option in every state but can be used in place of medical payments coverage.

How Much are Ford Ranger Insurance Rates?

Ford Ranger Insurance Cost

Compare Ford Ranger insurance rates