Cheap Insurance for a Ford Ranger in Jacksonville

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Insurance rates Ford Ranger in JacksonvilleCutting costs on Ford Ranger insurance in Jacksonville can be slightly frustrating for drivers who are beginners to online insurance quotes. With dozens of online companies available, it can quickly become a difficult situation to find cheaper prices on Ford Ranger insurance.

Steps to finding cheaper rates for Ford Ranger insurance in Jacksonville

If saving the most money is your goal, then the best way to get discount Ford Ranger insurance is to start doing a yearly price comparison from different companies in Jacksonville.

First, try to learn about the different coverages in a policy and the changes you can make to prevent expensive coverage. Many policy risk factors that drive up the price like your driving record and a low credit score can be amended by being financially responsible and driving safely. Later in this article we will cover additional ideas to prevent expensive rate increases and get additional discounts that may have been overlooked.

Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO and State Farm, while independent agencies can give you price quotes from multiple companies. Find a Jacksonville insurance agent

Third, compare the quotes to your existing coverage to determine if you can save on Ranger insurance. If you find a better price and switch companies, make sure coverage is continuous and does not lapse.

Fourth, give proper notification to your current agent or company to cancel your current auto insurance policy and submit the completed application along with a down payment to the new company. Once received, keep your new proof of insurance certificate in your vehicle.

One tip to remember is that you'll want to compare identical coverage information on each quote request and and to get price estimates from as many car insurance companies as possible. This enables a fair rate comparison and the best rate selection.

Astonishing but true according to a recent study, most car insurance buyers in Florida have remained with the same car insurance company for over three years, and nearly the majority have never quoted car insurance rates at all. Most drivers in the U.S. can save almost $860 each year just by shopping around, but they don't want to spend time to save money by comparing rate quotes.

If you have insurance now, you should be able to reduce the price you pay using the techniques presented in this article. Quoting and comparing affordable policy in Jacksonville can be fairly easy. But Florida drivers should learn the way companies compete online and apply this information to your search.

Jacksonville Insurance Rates are Influenced by These Factors

The best way to find cheaper insurance is to take a look at some of the things that help calculate the level of your policy premiums. If you know what impacts premium levels, this allows you to make good choices that can earn you big savings. Lots of things are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving record, although some other factors are less apparent like where you live or your commute time.

Be proud to be claim-free - If you file claims often, you can expect either policy cancellation or increased premiums. Car insurance companies in Florida give better rates to drivers that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of claims that pose a financial burden.

Put fewer miles on your vehicle - The more miles you rack up on your Ford annually the more it will cost to insure it. A lot of companies calculate prices based upon how you use the vehicle. Vehicles that have low annual miles receive better premium rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Ranger may be wasting your money. Ask your agent if your insurance policy is showing the correct driver usage, because it can save money.

Younger drivers pay more - Beginning drivers in Florida tend to be careless and easily distracted behind the wheel so they pay higher insurance rates. More experienced drivers are shown to be more cautious, are lower risk to insure, and receive fewer citations.

The data below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Extra coverages are wasting money - There are a ton of extra coverages you can purchase when buying insurance. Coverage for things like coverage for rental cars, towing, and additional equipment coverage could be just wasting money. You may think they are a good idea when discussing your needs, but if they're wasting money eliminate the coverages to reduce your premium.

Liability insurance limits are a factor - A critical coverage on your policy, liability insurance will protect you when a jury decides you are liable for an accident. It provides you with a defense in court to defend your case. Liability insurance is pretty cheap as compared to coverage for physical damage, so buy as much as you can afford.

Lower rates by increasing coverage deductibles - Physical damage coverage, also called 'full coverage', insures against damage to your Ford. Some instances where coverage would apply are a broken windshield, vandalism, and having your car stolen. The deductibles you choose tell how much you are required to spend in the event of a claim. The more expense you choose to pay out-of-pocket, the lower your rates will be.

Is car insurance cheaper for males or females? - Statistics demonstrate women are more cautious behind the wheel. This data doesn't prove that men are WORSE drivers than women. Women and men get in at-fault accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more major tickets like DWI (DUI) or reckless driving.

The information below illustrates the difference between Ford Ranger insurance prices for male and female drivers. The premiums are based on no accidents or driving violations, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Facts and figures for Ford Ranger insurance

The premium table displayed next outlines different coverage costs for Ford Ranger models. Understanding more about how insurance premiums are established helps drivers make smart buying decisions.

Ford Ranger Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $148 $280 $418 $24 $124 $994 $83
Ranger XL SuperCab 2WD $174 $280 $418 $24 $124 $1,020 $85
Ranger XLT 2WD $174 $280 $418 $24 $124 $1,020 $85
Ranger XL 2WD $174 $280 $418 $24 $124 $1,020 $85
Ranger XL SuperCab 4WD $174 $280 $418 $24 $124 $1,020 $85
Ranger XLT SuperCab 2WD $174 $342 $418 $24 $124 $1,082 $90
Ranger Sport SuperCab 2WD $174 $342 $418 $24 $124 $1,082 $90
Ranger Sport SuperCab 4WD $174 $342 $418 $24 $124 $1,082 $90
Ranger XLT SuperCab 4WD $174 $342 $418 $24 $124 $1,082 $90
Ranger Sport SuperCab 2WD $174 $342 $418 $24 $124 $1,082 $90
Ranger XLT SuperCab 2WD $174 $342 $418 $24 $124 $1,082 $90
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Table data does not factor in specific garaging location which can raise or lower auto insurance rates greatly.

Comparison of policy deductibles

One of the more difficult decisions when buying insurance is where to set your physical damage deductibles. The premium rates below show how much more rates are between low and high physical damage coverage deductibles. The first rate table uses a $250 deductible and the second data table uses a $500 deductible.

Ford Ranger insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $240 $446 $418 $24 $124 $1,277 $106
Ranger XL SuperCab 2WD $280 $446 $418 $24 $124 $1,317 $110
Ranger XLT 2WD $280 $446 $418 $24 $124 $1,317 $110
Ranger XL 2WD $280 $446 $418 $24 $124 $1,317 $110
Ranger XL SuperCab 4WD $280 $446 $418 $24 $124 $1,317 $110
Ranger XLT SuperCab 2WD $280 $544 $418 $24 $124 $1,415 $118
Ranger Sport SuperCab 2WD $280 $544 $418 $24 $124 $1,415 $118
Ranger Sport SuperCab 4WD $280 $544 $418 $24 $124 $1,415 $118
Ranger XLT SuperCab 4WD $280 $544 $418 $24 $124 $1,415 $118
Ranger Sport SuperCab 2WD $280 $544 $418 $24 $124 $1,415 $118
Ranger XLT SuperCab 2WD $280 $544 $418 $24 $124 $1,415 $118
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Ford Ranger insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $194 $360 $418 $24 $124 $1,120 $93
Ranger XL SuperCab 2WD $228 $360 $418 $24 $124 $1,154 $96
Ranger XLT 2WD $228 $360 $418 $24 $124 $1,154 $96
Ranger XL 2WD $228 $360 $418 $24 $124 $1,154 $96
Ranger XL SuperCab 4WD $228 $360 $418 $24 $124 $1,154 $96
Ranger XLT SuperCab 2WD $228 $438 $418 $24 $124 $1,232 $103
Ranger Sport SuperCab 2WD $228 $438 $418 $24 $124 $1,232 $103
Ranger Sport SuperCab 4WD $228 $438 $418 $24 $124 $1,232 $103
Ranger XLT SuperCab 4WD $228 $438 $418 $24 $124 $1,232 $103
Ranger Sport SuperCab 2WD $228 $438 $418 $24 $124 $1,232 $103
Ranger XLT SuperCab 2WD $228 $438 $418 $24 $124 $1,232 $103
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact auto insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $14 more each month or $168 for a full year averaged for all Ranger models than opting for the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 18 months between claim filings, you would come out ahead if you opt for a higher deductible.

The diagram below shows how different deductible levels and can influence Ford Ranger insurance costs for different insured age categories. The rates are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Accidents and violations increase rates

The example below shows how traffic citations and accident claims drive up Ford Ranger yearly insurance costs for each age group. The prices are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Difference between full coverage and liability only rates

The example below illustrates the difference between Ford Ranger insurance premiums with full physical damage coverage and with liability coverage only. The premiums assume no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

When to drop comp and collision

There is no exact formula of when to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Ford Ranger claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 annually to have full coverage, then it could be time to drop full coverage.

There are some situations where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Do you qualify for discounts?

Companies offering auto insurance don't always publicize every policy discount very clearly, so the following list contains some of the more common in addition to some of the lesser obvious credits available to bring down your rates. If you are not receiving all the discounts possible, you're paying more than you need to.Save money with discounts

  • Distant Student Discount - Youth drivers who are attending college and leave their car at home may be able to be covered for less.
  • Discounts for Multiple Vehicles - Drivers who insure multiple cars or trucks with the same company can reduce the rates for all insured vehicles.
  • No Claim Discounts - Claim-free drivers are rewarded with significantly better rates on Jacksonville car insurance quote in comparison with policyholders that have many claims.
  • 55 and Retired - Older drivers can possibly qualify for better auto insurance rates.
  • Multiple Policy Discount - When you have multiple policies with one company you could earn a discount of at least 10 to 15 percent or more.
  • Active Military Service - Being deployed in the military could mean lower auto insurance rates.

Don't be shocked that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, insurance companies wouldn't stay in business.

The chart below shows the difference between Ford Ranger yearly insurance costs with and without discounts applied to the rates. The costs are based on a male driver, no claims or driving violations, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-policy, and multi-car discounts applied.

Companies and a partial list of their discounts can be found below.

  • Farm Bureau policyholders can earn discounts including renewal discount, driver training, safe driver, good student, multi-policy, youthful driver, and multi-vehicle.
  • Liberty Mutual offers premium reductions for safety features, good student, new move discount, hybrid vehicle, and newly retired.
  • State Farm may include discounts for accident-free, multiple policy, driver's education, good driver, and Steer Clear safe driver discount.
  • Auto-Owners Insurance offers discounts for multi-policy, safe vehicle, multiple vehicles, company car, teen driver, good student, and paperless.
  • GEICO has discounts for federal employee, multi-policy, defensive driver, military active duty, and driver training.
  • SAFECO may offer discounts for teen safe driver, bundle discounts, teen safety rewards, anti-lock brakes, drive less, homeowner, and accident prevention training.

Before you buy a policy, ask each company or agent to apply every possible discount. Discounts might not apply everywhere.

Cheaper auto insurance is a realistic goal

Consumers change insurance companies for a number of reasons such as not issuing a premium refund, high rates after DUI convictions, unfair underwriting practices and extreme rates for teen drivers. Regardless of your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Some auto insurance companies may not have rates over the internet and usually these smaller companies only sell through independent agencies. Cheaper auto insurance in Jacksonville can be found both online in addition to many Jacksonville insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.

We've covered a lot of tips how to shop for Ford Ranger insurance online. The most important thing to understand is the more you quote Jacksonville car insurance, the better chance you'll have of finding low cost Jacksonville car insurance quotes. Consumers may even find the best rates are with some of the smallest insurance companies.

Steps to saving on Ford Ranger insurance in Jacksonville

If you want to save the most money, the best way to find low-cost prices for Ford Ranger insurance in Jacksonville is to start doing a yearly price comparison from companies who sell auto insurance in Florida. You can compare rates by completing these steps.

First, take a little time to learn about car insurance and the things you can change to keep rates down. Many factors that increase rates like inattentive driving and a not-so-good credit history can be improved by paying attention to minor details.

Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes from many different companies.

Third, compare the price quotes to the premium of your current policy and determine if there is any savings. If you find a better price and switch companies, make sure coverage is continuous and does not lapse.

A tip to remember is to use identical deductibles and limits on every price quote and and to get price estimates from as many auto insurance providers as possible. Doing this guarantees a level playing field and a thorough price selection.

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