View 2004 Ford Ranger Insurance Quotes

Car insurance shoppers not familiar with comparing car insurance rates online may find locating cheap car insurance can be quite challenging.

Discounts for cheaper insurance coverage rates

Insurance coverage is not an enjoyable expense, but you may be missing some discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but a few need to be inquired about before they will apply.

• Defensive Driver Discount – Taking a driver safety class could cut 5% off your bill if your company offers it.
• Telematics Devices – Drivers that enable driving data submission to spy on driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if their driving habits are good.
• Waiver for an Accident – This isn’t a discount exactly, but companies like Progressive, State Farm and Geico will let one accident slide without getting socked with a rate hike if you are claim-free before the accident.
• Distant Student – Kids who are enrolled in higher education away from home and don’t have a car could get you a discount.
• Savings for New Vehicles – Putting insurance coverage on a new car can get you a discount compared to insuring an older model.
• ABS Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents so you can save 10 percent or more.
• Early Switch Discount – Some larger companies give discounts for signing up before your current expiration date. Ten percent is about the average savings.
• Multi-Vehicle Discounts – Having all your vehicles with one company can get a discount for every vehicle.
• Drivers Education – Teen drivers should complete a driver education course in school or through a local driver safety program.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. Most cut the cost of specific coverages such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, that’s just not realistic.

A few of the larger companies and a partial list of their discounts are shown below.

• State Farm may offer discounts for accident-free, Steer Clear safe driver discount, driver’s education, Drive Safe & Save, and anti-theft.
• American Family may include discounts for early bird, multi-vehicle, Steer into Savings, bundled insurance, and good student.
• AAA offers discounts including AAA membership discount, education and occupation, multi-policy, good student, good driver, and multi-car.
• Geico offers premium reductions for federal employee, military active duty, air bags, anti-lock brakes, driver training, and anti-theft.
• Mercury Insurance discounts include type of vehicle, good student, good driver, multi-car, multi-policy, annual mileage, and accident-free.
• Farmers Insurance has discounts for multi-car, youthful driver, alternative fuel, mature driver, and homeowner.
• Progressive has savings for homeowner, continuous coverage, multi-policy, online signing, good student, multi-vehicle, and online quote discount.

When getting free car insurance quotes, it’s a good idea to each company or agent how many discounts you can get. Savings might not be offered in your area.

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Compare free insurance rate quotes

Most major insurance companies such as State Farm, Allstate and Geico allow you to get coverage price quotes on the web. Obtaining pricing is very simple because you just enter the amount of coverage you want into the form. Behind the scenes, the company’s rating system gets credit information and your driving record and returns a price quote based on these and other factors.

This simplifies rate comparisons, but the time it takes to visit several different sites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible if you want to get better prices.

There is an easier way!

The quickest way to find better insurance pricing is to use a quote form that analyzes rates from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes online price comparison much more efficient. As soon as you send your information, it is quoted and you can select any one of the quotes returned. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process just takes a couple of minutes and could lower your rates considerably.

To save time and fill out one form to compare multiple rates now, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you enter the insurance coverages identical to your current policy. This makes sure you’re receiving a price comparison using the same coverage and limits.

Get Ford Ranger insurance for less

The best way to find cheaper insurance coverage is to take a look at the rating factors that help determine your premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower rates. Many things are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other criteria are not quite as obvious like your continuous coverage or how financially stable you are.

• Younger drivers pay more – Older insureds have been proven to be more responsible, tend to cause fewer accidents .Inexperience drivers are known to be inattentive when behind the wheel therefore insurance coverage rates are much higher.
• Do you work long hours in a tough employer? – Do you work in a high-stress field? Occupations like military generalspolice officers and dentists usually pay higher average rates attributed to intense work situations and lots of time spent at work. Other occupations like actors, historians and the unemployed receive lower rates for Ranger coverage.
• Policy add-ons add up – Policies have extra coverages that can add up if you don’t pay attention. Insurance for things like vanishing deductibles, accidental death, and additional equipment coverage may be wasting your money. The coverages may be enticing when you first buy your policy, but if you’ve never needed them in the past eliminate them to save money.
• Where you call home – Choosing to live in small towns and rural areas is a good thing if you are looking for the lowest rates. Urban drivers regularly have more road rage incidents and higher rates of accident claims. Fewer drivers and short commutes means a lower chance of having an accident.
• Insurance rates for married couples – Being married may cut your premiums on your policy. Having a significant other means you’re more mature and insurance companies like that married drivers tend to have fewer serious accidents.
• Physical damage deductibles – Your deductibles are how much you are required to spend before a claim is paid by your company. Physical damage insurance, also called comprehensive and collision insurance, protects your car from damage. Some instances where coverage would apply are a windshield broken by a bird, hail damage, and having a roll-over accident. The more of the claim the insured is willing to pay, the less money you will pay for insurance coverage for Ranger coverage.
• Traffic violations will cost you – Being a careful driver has a lot to do with how much you pay for insurance. Only having one speeding ticket or other violation can increase the cost of insurance substantially. Drivers who don’t get tickets receive lower rates compared to bad drivers. Drivers unfortunate enough to have careless violations like DUI or willful reckless driving might be required by their state to maintain a SR-22 with their state motor vehicle department in order to keep their license.

Tailor your car insurance coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can aid in determining if your situation will benefit from professional help.

• Does my policy pay for OEM or aftermarket parts?
• Should I carry comprehensive and collision coverage?
• Can I still get insurance after a DUI?
• Why am I required to buy high-risk coverage?
• Is my trailer covered?
• Am I covered if I break a side mirror?
• How much liability do I need to cover my assets?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

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Insurance policy specifics

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Ranger.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Auto collision coverage

Collision insurance covers damage to your Ranger resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, colliding with another moving vehicle, sideswiping another vehicle, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, rock chips in glass, hail damage and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses like ambulance fees, prosthetic devices, nursing services and funeral costs. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as bail bonds, medical expenses, pain and suffering and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

In any little way, save everyday

As you quote car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at the best price while still protecting your assets.

We just covered a lot of ways to save on 2004 Ford Ranger insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your premium rates. Consumers could even find that the most savings is with a small mutual company.

Insureds leave their current company for many reasons like policy non-renewal, questionable increases in premium, unfair underwriting practices and denial of a claim. No matter why you want to switch, switching car insurance companies is pretty easy and you might even save some money in the process.

Even more information is located at these sites:

• Learn About Car Insurance (Geico)
• Vehicle Safety Ratings (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)

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