Compare 2005 Ford Ranger Car Insurance Quotes

Are you a victim of an overpriced insurance coverage policy? Believe me, many consumers feel financially strained by their insurance coverage policy. Since consumers have many options when it comes to insurance coverage, it can be diffult for consumers to locate the most affordable provider.

Free Auto Insurance Quotes

There are several ways to compare Ford Ranger auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend countless hours talking to insurance companies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most of the best insurance companies belong to a marketplace that allows shoppers to send in one quote, and every company then gives them pricing. This prevents consumers from doing quote forms to every company. To submit your quote information now, click to open in new window.

The one downside to pricing coverage this way is you don’t know exactly which carriers you will receive quotes from. So if you prefer to pick specific insurance companies to compare prices, we have a listing of companies who write auto insurance in your area. Click to view list.

However you get your quotes, double check that you are using identical coverages with each company. If the quotes have differing limits it will be very difficult to determine which rate is truly the best.

More discounts equal less premium

Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so the following is a list of both well-publicized and the more hidden savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Club Memberships – Being a member of a civic or occupational organization may earn a discount when shopping for car insurance for Ranger coverage.
  • 55 and Retired – Older drivers may receive a discount up to 10% for Ranger coverage.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Paperless Signup – A handful of insurance companies give back up to $50 simply for signing digitally online.
  • Safety Course Discount – Completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

For a list of insurance companies who offer car insurance discounts, click this link.

It’s not one size fits all

When choosing adequate coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Is other people’s property covered if stolen from my vehicle?
  • When would I need rental car insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I better off with higher deductibles on my 2005 Ford Ranger?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I wreck a rental car?
  • Do I need special endorsements for business use of my vehicle?
  • How high should deductibles be on a 2005 Ford Ranger?
  • What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Ford Ranger insurance rates can be determined by these details

Smart consumers have a good feel for the rating factors that come into play when calculating your insurance coverage rates. Knowing what influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

The list below includes a partial list of the pieces that factor into prices.

  • Discounts for multiple policies – The majority of insurance coverage companies will award you with lower prices to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to compare rates to verify if the discount is saving money.
  • Better crash test results mean better rates – Cars with high safety ratings get lower rates. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Ford Ranger has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Never allow your policy to lapse – Driving your car without having proper coverage can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance might get you a revoked license or a big fine.
  • Careful drivers pay lower rates – Drivers with clean records tend to pay less for car insurance than bad drivers. Only having one citation may increase your cost twenty percent or more. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Protect your assets with liability insurance – Liability coverage is the coverage that protects you if ever a court rules you are at fault for damages caused by your negligence. Liability provides for a legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Extra add-on coverages are wasting money – There are a ton of additional coverages that you can get tricked into buying on your insurance coverage policy. Insurance for roadside assistance, accidental death and membership fees may be costing you every month. These may sound like a good investment initially, but your needs may have changed so eliminate the coverages to reduce your premium.

Coverage specifics

Understanding the coverages of auto insurance helps when choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Auto collision coverage

This coverage will pay to fix damage to your Ranger resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, rolling your car, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

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. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like repair bills for other people’s vehicles, loss of income, funeral expenses, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Ranger.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, hail damage, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for rehabilitation expenses, chiropractic care, nursing services and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Keep this in mind

Throughout this article, we presented a lot of tips how to lower your 2005 Ford Ranger insurance rates. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a small mutual company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive or GEICO.

Cheaper insurance can be purchased online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

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