Cheapest 2020 Ford Ranger Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Trying to find the cheapest car insurance rates for your Ford Ranger? Are you irritated from sacrificing to pay your car insurance bill each month? You’re in the same situation as many other consumers. Insurance companies such as Allstate, Progressive and GEICO promote their brand names with fancy advertisements and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

How to compare free auto insurance price quotes

Most of the larger companies provide coverage price quotes direct online. This process doesn’t take a lot of time as you just type in your coverage preferences on the page. When complete, their quoting system automatically retrieves your driving and credit reports and returns a price based on the data you entered. Online quotes makes it easy to compare insurance prices but the work required to visit multiple sites and complete many quote forms is a waste of time. But it’s absolutely necessary to have as many quotes as possible if you want to get a lower rate.

There is a better way!

The smarter way to lower your auto insurance bill requires only one form to get prices from many companies. The form is fast, helps eliminate repetitive entry, and makes online price comparison much simpler. As soon as the form is sent, it is rated and you are able to buy any or none of the quote results. If you find a better price you can click and sign and buy the new coverage. The entire process only takes a few minutes and may save quite a bit of money.

To quickly fill out one form to compare multiple rates now, simply enter your zip code here and submit your coverage information. If you have coverage now, it’s recommended you copy the insurance coverages identical to your current policy. Using the same limits helps guarantee you will get comparison quotes based on identical coverages.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help highlight whether you would benefit from professional advice.

  • Do I need rental car coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need special endorsements for business use of my vehicle?
  • Is my 2020 Ford Ranger covered for smoke damage?
  • Am I covered if my car is in a flood?
  • When can I cancel my policy?
  • Am I covered when driving on a suspended license?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance 101

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Ranger.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for funeral costs, rehabilitation expenses, doctor visits, prosthetic devices and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision – This will pay to fix damage to your Ranger resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, backing into a parked car, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverages – This will cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as medical services, repair bills for other people’s vehicles, structural damage, court costs and pain and suffering. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, fire damage, a tree branch falling on your vehicle and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Frequently Asked Questions

How can I find the cheapest car insurance rates for my Ford Ranger?

If you’re looking for the cheapest car insurance rates for your Ford Ranger, there are a few steps you can take:

  • Compare Quotes: Use an online quote tool that allows you to compare rates from multiple insurance companies. By entering your ZIP code and coverage information, you can quickly see which companies offer the most affordable options for your Ford Ranger.
  • Maintain a Good Driving Record: Insurance companies often offer lower rates to drivers with clean driving records. Avoid accidents and traffic violations to keep your premiums down.
  • Opt for Higher Deductibles: Choosing a higher deductible can lower your insurance premiums. Just make sure you can afford to pay the deductible amount in case of an accident.
  • Ask for Discounts: Inquire about available discounts from insurance companies. Some common discounts include safe driver discounts, multi-policy discounts, and good student discounts.

What are the coverage types I should consider for my Ford Ranger?

When choosing insurance coverage for your Ford Ranger, here are a few coverage types you should consider:

  • Liability Coverage: This coverage is required in most states and helps protect you if you cause an accident that results in injury or property damage to others.
  • Comprehensive Coverage: Comprehensive coverage protects your vehicle from non-collision events such as theft, vandalism, fire, or natural disasters.
  • Collision Coverage: Collision coverage pays for repairs or replacement if your Ford Ranger is damaged in a collision with another vehicle or object.
  • Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who doesn’t have sufficient insurance coverage.
  • Medical Payments Coverage: Medical payments coverage helps cover medical expenses for you and your passengers if you’re injured in an accident, regardless of fault.

Can I save money by bundling my Ford Ranger insurance with other policies?

Yes, bundling your Ford Ranger insurance with other policies, such as homeowners or renters insurance, can often lead to savings. Many insurance companies offer multi-policy discounts, which can help reduce your overall premiums. Contact your insurance provider to inquire about the discounts available for bundling policies.

Should I copy the insurance coverages from my current policy when requesting quotes?

When requesting quotes, it’s recommended to copy the insurance coverages from your current policy. This will ensure you receive comparison quotes based on identical coverages, allowing you to make a more accurate comparison between insurance providers. If you’re unsure about your current coverages, reach out to your insurance agent or review your policy documents to gather the necessary information.

Can I receive quotes from multiple companies using a single form?

Yes, there are online platforms that allow you to fill out one form and receive quotes from multiple insurance companies. These tools streamline the process and save you time by eliminating the need to visit multiple websites and fill out separate forms for each company. By entering your zip code and coverage information, you can quickly obtain quotes from various companies, helping you find the best deal for your Ford Ranger insurance.

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