2009 Ford Ranger Car Insurance Quotes

Buyers have many options when searching for the lowest priced Ford Ranger insurance. You can either waste hours driving around getting price quotes or utilize the internet to compare rates.

There are both good and bad ways to buy car insurance so we’re going to tell you the absolute fastest way to quote coverages on a Ford and obtain the cheapest rates either online or from local insurance agents.

The purpose of this post is to help educate you on the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you should be able to save some money using these methods. Consumers only need to know how to compare company rates on the web.

The best way to compare rate quotes is to realize most larger insurance companies participate in online systems to compare their rates. To start a quote, the only thing you need to do is spend a couple of minutes providing details like whether you drive to work or school, whether you have decent credit, level of coverage desired, and distance driven. Your details gets transmitted to many of the top insurers and they return quotes very quickly.

To start a quote now, click here then complete the form.

What affects Ford Ranger insurance rates?

A large part of saving on auto insurance is knowing some of the factors that go into determining the rates you pay for auto insurance. If you have some idea of what influences your rates, this enables informed choices that can earn you lower rates. Many factors are part of the calculation when premium rates are determined. Some factors are common sense like an MVR report, but some are more transparent like your vehicle usage or how safe your car is.

  • Better credit means lower premiums – Your credit score is a big factor in calculating your premium rate. Insureds that have high credit scores tend to be better risks to insure than those with poor credit. Therefore, if your credit history leaves room for improvement, you may save money insuring your 2009 Ford Ranger by taking the time to improve your credit score.
  • More miles equals more premium – Driving a lot of miles annually the more you will pay for auto insurance. A lot of insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that have low annual miles qualify for better rates compared to those used for work or business. Incorrect rating for your Ranger may be costing you higher rates. It’s a good idea to make sure your auto insurance policy properly reflects how each vehicle is driven.
  • Prevent coverage lapses – Allowing your auto insurance policy to lapse is a fast way to increase your rates. In addition to paying higher premiums, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • High premiums for teenage drivers – Drivers with little experience have been known to be less responsible in a vehicle and because of this, their auto insurance rates are much higher. More mature drivers have been proven to be more responsible, statistically cause fewer accidents and get fewer tickets.
  • Your spouse saves you money – Walking down the aisle can actually save you money when shopping for auto insurance. Marriage is viewed as being more responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • How’s your driving record? – Just one moving violation can boost insurance rates by as much as thirty percent. Drivers with clean records have lower premiums than their less careful counterparts. Drivers with careless citations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state in order to prevent a license revocation.

Get lower rates by taking advantage of discounts

Insurance can cost an arm and a leg, but you may qualify for discounts to cut the cost considerably. Certain credits will be shown at quote time, but a few must be requested specifically before they will apply.

  • Telematics Data Discounts – Insureds that choose to allow their car insurance company to analyze where and when they drive by using a small device installed in their vehicle such as State Farm’s In-Drive may see discounts if they show good driving skills.
  • Early Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Discount for Passive Restraints – Options like air bags or motorized seat belts may qualify for discounts up to 30%.
  • Paper-free Discount – Some car insurance companies provide a small discount simply for signing on the internet.
  • Senior Citizen Rates – Mature drivers could receive a discount up to 10% for Ranger coverage.

Please keep in mind that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, you aren’t that lucky. But all discounts should definitely cut the amount you have to pay.

A list of companies and a partial list of their discounts are:

  • The Hartford may include discounts for bundle, vehicle fuel type, anti-theft, defensive driver, driver training, air bag, and good student.
  • American Family has savings for good driver, early bird, air bags, multi-vehicle, Steer into Savings, defensive driver, and TimeAway discount.
  • Progressive offers premium reductions for homeowner, online quote discount, good student, continuous coverage, and multi-policy.
  • Travelers may offer discounts for IntelliDrive, good student, save driver, continuous insurance, and home ownership.
  • Farmers Insurance has discounts for switch companies, mature driver, pay in full, youthful driver, and business and professional.
  • USAA discounts include driver training, multi-vehicle, military installation, new vehicle, safe driver, and multi-policy.
  • Liberty Mutual offers discounts including teen driver discount, exclusive group savings, new move discount, preferred payment discount, good student, and multi-policy.

Before you buy a policy, ask every prospective company to give you their best rates. Depending on the company, some discounts may not apply to policyholders in your area.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • What is UM/UIM insurance?
  • Is my 2009 Ford Ranger covered for smoke damage?
  • How much liability do I need to cover my assets?
  • When should my teen driver be added to my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my 2009 Ford Ranger need full coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered if I hit a deer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for chiropractic care, rehabilitation expenses, ambulance fees and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Liability coverages – This will cover damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical services, repair bills for other people’s vehicles, court costs, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, damage from flooding, hitting a deer, a broken windshield and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Never pay more for less

More affordable insurance is available on the web in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not have rates over the internet and usually these smaller providers prefer to sell through local independent agencies.

When shopping online for insurance, it’s not a good idea to reduce coverage to reduce premium. Too many times, drivers have reduced full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage for the lowest price and still be able to protect your assets.

In this article, we presented a lot of tips how to compare 2009 Ford Ranger insurance rates online. The most important thing to understand is the more price quotes you have, the better likelihood of getting inexpensive insurance coverage. You may be surprised to find that the best price on insurance is with an unexpected company.

More detailed insurance information can be found at these sites: