2008 Ford Ranger Insurance Quotes – 7 Tips for Best Rates

Trying to find lower car insurance rates for your Ford Ranger? Are you baffled by the crazy number of car insurance choices? Vehicle owners have so many choices available that it can easily turn into a difficult situation to find a more affordable company.

The purpose of this article is to instruct you on how to get online quotes and some tricks to saving. If you currently have car insurance, you should be able to lower your premiums substantially using this information. But vehicle owners do need to understand how insurance companies sell insurance online and apply this information to your search.

How to compare free auto insurance rate quotes

There are multiple methods to compare auto insurance quotes, and some are less time-consuming than others. You can waste a few hours (or days) talking about coverages with agents in your area, or you could use the web for quick rates.

Most car insurance companies belong to an insurance system where insurance shoppers complete one form, and at least one company then returns a price quote based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for. To compare pricing click here to start a free quote.

One minor caviat to pricing coverage this way is buyers cannot specifically choose the companies you want pricing from. If you wish to select specific insurance companies to receive pricing from, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

Take whichever approach you prefer, but make sure you are using the exact same quote data with every price quote. If the quotes have different values for each quote it will be nearly impossible to get a fair rate comparison. Having just a slight variation in coverage limits may result in a large different in cost. Just keep in mind that obtaining a wide range of quotes helps improve the odds of finding a lower rate than you’re paying now. Some regional insurers cannot provide quotes online, so it’s necessary to compare price estimates from them as well.

Don’t believe everything you hear

Big name companies like State Farm and Allstate continually stream television, radio, and online ads. They all make the point that you can save if you move your policy. How does each company give you a better price? It’s all in how they say it.

Insurance providers give the best rates for the driver that will be a good risk. For instance, this type of driver might have to be over the age of 35, has few claims, and insures a new vehicle. Anyone who fits that profile will probably get the lowest premium rates and will cut their rates if they switch.

Insureds who do not fit the ideal profile will see higher premiums and the prospect going elsewhere. Company advertisements say “people that switch” not “all people who quote” save the amount stated. That’s why companies can lure you into getting a quote.

This illustrates why it’s extremely important to get price quotes at each policy renewal. Because you cannot predict the company that will have better prices than you’re paying now.

Drivers save money with with these seven discounts

Insurance can cost an arm and a leg, but there may be some discounts to help bring down the price. A few discounts will be applied when you get a quote, but some discounts are required to be asked for prior to receiving the credit.

  • Discount for Swiching Early – A few larger companies offer discounts for buying a policy prior to your current policy expiring. You may see this discount when you get auto insurance quotes online.
  • Paper-free Discount – A handful of companies will give a small break for completing your application over the internet.
  • Telematics Data Discounts – Insureds that choose to allow their company to spy on driving patterns by using a telematics device in their vehicle such as State Farm’s In-Drive could possibly reduce rates if they have good driving habits.
  • Auto/Life Discount – Select insurance companies reward you with a lower car insurance rate if you buy a life policy as well.
  • ABS Brakes – Vehicles equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could earn a discount of approximately 10% to 15%.
  • Discounts for Multiple Vehicles – Buying a policy with all your vehicles on one policy qualifies for this discount.

Drivers should understand that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Popular car insurance companies and some of the discounts include:

  • Progressive offers discounts including online signing, homeowner, multi-policy, multi-vehicle, good student, and online quote discount.
  • Farmers Insurance offers discounts for alternative fuel, youthful driver, business and professional, teen driver, homeowner, mature driver, and multi-car.
  • Farm Bureau has discounts for multi-vehicle, good student, safe driver, 55 and retired, renewal discount, driver training, and multi-policy.
  • State Farm includes discounts for defensive driving training, good student, good driver, driver’s education, passive restraint, and Steer Clear safe driver discount.
  • GEICO discounts include multi-vehicle, good student, emergency military deployment, five-year accident-free, and seat belt use.
  • SAFECO may include discounts for anti-theft, safe driver, bundle discounts, homeowner, anti-lock brakes, drive less, and teen safe driver.
  • Liberty Mutual may offer discounts for safety features, newly married, multi-policy, multi-car, preferred payment discount, new vehicle discount, and teen driver discount.

If you need affordable auto insurance quotes, ask all the companies the best way to save money. Savings might not be offered in your area. To view insurers that offer some of these discounts, follow this link.

Your situation helps dictate your coverage

When it comes to buying the best car insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • What is high-risk coverage and where do I buy it?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when pulling a rental trailer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Are rock chip repairs covered?
  • Does my 2008 Ford Ranger qualify for pleasure use?
  • What is the rate difference between pleasure use and commuting?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.

Learn about auto insurance coverages for a 2008 Ford Ranger

Having a good grasp of auto insurance helps when choosing the right coverages for your vehicles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, damage from getting keyed and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as attorney fees, court costs, repair costs for stationary objects, loss of income and structural damage. How much coverage you buy is your choice, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Ranger.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages do not exceed the liability coverage limits.

Collision coverage

This coverage will pay to fix damage to your Ranger caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, crashing into a building, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills like rehabilitation expenses, ambulance fees, EMT expenses and pain medications. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Have the Midas touch

As you restructure your insurance plan, never buy less coverage just to save a little money. Too many times, an accident victim reduced full coverage to discover at claim time that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.

In this article, we covered some good ideas how to save on 2008 Ford Ranger insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding the cheapest auto insurance. Consumers could even find that the best price on insurance is with the least-expected company.

Insureds who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, poor customer service and even high prices. Whatever your reason, switching companies is less work than it seems.

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