2009 Ford Ranger Insurance Quotes – 10 Tips to Save

Trying to find better insurance coverage rates for your Ford Ranger? Paying for high-priced Ford Ranger insurance can dwindle your checking account and put the squeeze on your family’s finances. Comparison shopping is free and is an excellent way to help make ends meet.

Many car insurance companies vie for your insurance dollar, so it’s not easy to compare every insurer to find the lowest rate possible.

It is always a good idea to compare prices before your policy renews since insurance rates are rarely the same from one policy term to another. Just because you had the lowest rates on Ranger insurance on your last policy there may be better deals available now. Starting now, block out anything you think you know about insurance coverage because we’re going to show you the right way to save on insurance coverage.

Save money by taking advantage of these ten discounts

Auto insurance companies don’t always publicize all available discounts very clearly, so we break down both the well known and also the lesser-known savings tricks you should be using.

  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Ranger insurance with certain companies.
  • Distant Student – Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for better car insurance rates on Ranger insurance.
  • Multi-car Discount – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • No Claims – Claim-free drivers pay much less as compared to frequent claim filers.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford can earn better rates on cars that stay parked.
  • Defensive Driver – Taking a driver safety course can save you 5% or more if your company offers it.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

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

The method we recommend to compare insurance rates in your area is to know most of the larger companies participate in a system to provide you with a free rate quote. All you need to do is provide a little information including whether or not you need a SR-22, if the vehicle is leased, how much coverage you want, and if you went to college. The rating information is submitted instantly to multiple insurance providers and they return quotes instantly to find the best rate.

To find the cheapest Ford Ranger insurance rates, click here and complete the form.

When should I use an insurance agent?

When it comes to choosing coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different so your insurance needs to address that. For example, these questions can help discover if you will benefit from professional help.

  • Am I covered when driving someone else’s vehicle?
  • Is a blown tire covered by insurance?
  • Am I covered by my spouse’s policy after a separation?
  • Can I rent a car in Mexico?
  • Am I missing any policy discounts?
  • Is my 2009 Ford Ranger covered for flood damage?
  • Does my 2009 Ford Ranger qualify for pleasure use?
  • Is a new car covered when I drive it off the dealer lot?
  • Why am I required to buy liability insurance?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Misconceptions in car insurance advertisements

Car insurance companies such as State Farm, GEICO and Progressive regularly use television and radio advertisements. They all seem to have a common claim that you’ll save big if you move to them. How do they all make almost identical claims?

All the different companies can use profiling for the type of customer that makes them money. For instance, a preferred risk could possibly be between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. A driver who matches those parameters will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t measure up to these standards will have to pay higher premiums which leads to business going elsewhere. The ad wording is “customers that switch” not “everybody who quotes” save money. That’s the way companies can claim big savings. Because of the profiling, you should get as many comparisons as possible. Because you never know which company will give you the biggest savings on Ford Ranger insurance.

Information about specific coverages

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Coverage for collisions

Collision coverage pays for damage to your Ranger from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, scraping a guard rail, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills such as dental work, rehabilitation expenses, funeral costs, pain medications and ambulance fees. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This can cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical expenses, legal defense fees, court costs, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Ranger.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, theft and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

In any little way, save everyday

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage for the lowest price.

Throughout this article, we presented some good ideas how to compare 2009 Ford Ranger insurance prices online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

Cheap insurance can be bought from both online companies and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

More detailed auto insurance information is located at these sites: