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Ford Ranger Insurance Cost

There are many options when finding cheaper insurance coverage on your Ford vehicle. You can buy from an agent or price shop online to compare pricing from insurance providers. Shopping for car insurance by comparing rates online is simple to do and there is a good chance you can save money.

Comparing car insurance rates direct online can be a challenge if you have never used online rate quotes. But relax because it's actually quite easy. There are several ways of comparing rates from car insurance companies in your area. The easiest way by far to find the lowest Ranger insurance rates consists of shopping online. This can be accomplished by visiting this page.

Car insurance premiums paid to insure a Ford Ranger will vary greatly subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Your accident history
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Extra coverages like towing and rental
  • Your occupation
  • The amount of protection requested
  • Whether you own your home

An additional factor that will help determine Ranger insurance cost is the year of the vehicle. Older cars and trucks cost less than newer models so the costs to repair can decrease annual premiums. But newer vehicles may have safety features including adaptive cruise control, lane departure warning system, and pedestrian detection so those may provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your Ranger below.

Auto liability insurance

Ranger liability coverage can cover damage that occurs to a person or their property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision protection

Collision coverage covers damage to your Ford from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the market value of your vehicle, 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. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.

How Much are Ford Ranger Insurance Rates?