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Ford Ranger Insurance Cost

You have lots of choices when shopping for car insurance for your Ford vehicle. You can get prices from an agent or shop online to check prices from insurance providers. Shopping for car insurance by comparing rates online is easy and at the same time you can save money.

Consumers not familiar with comparison shopping may think buying cheap Ranger insurance is going to be difficult. There are several ways to get quotes and find the best price. By far the easiest way to find competitive Ranger insurance rates consists of shopping online. It is quite easy and can be accomplished by completing this short form.

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What factors impact the rate you pay?

Car insurance premiums for a Ford Ranger will vary greatly based upon several criteria. Taken into consideration are:

  • The performance level of your Ranger
  • Your accident history
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Special coverage such as replacement cost
  • Your occupation
  • Insurance coverage level
  • Whether you rent or own your home

An additional factor that will help determine Ranger insurance cost is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so repair costs tend to be lower which will push premiums down. Although more recent Ford vehicles may have safety features included like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system so those may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Ranger from available model years below.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your Ford caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. Ranger collision insurance is rather expensive coverage, so consider dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper Ranger insurance cost.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Ford Ranger Insurance Rates?