Compare Ford Ranger Insurance Quotes in Riverside

Insurance quote for Ford Ranger in RiversideIf you want to find the absolute lowest rates, then the best way to get the cheapest Ford Ranger insurance is to begin comparing prices regularly from insurance carriers who provide auto insurance in Riverside. You can compare rates by following these steps.

  1. Spend a few minutes and learn about the different coverages in a policy and the steps you can take to keep rates down. Many risk factors that drive up the price such as at-fault accidents, careless driving, and poor credit history can be eliminated by making small lifestyle or driving habit changes.
  2. Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can provide rate quotes for a wide range of insurance providers. Get quotes now
  3. Compare the new rate quotes to your existing policy to determine if you can save on Ranger insurance in Riverside. If you can save money, make sure there is no coverage gap between policies.
  4. Notify your company or agent of your intention to cancel your current auto insurance policy. Submit the signed application along with the required initial payment for your new coverage. Once the paperwork is finalized, keep the new certificate verifying coverage along with the vehicle’s registration papers.

A key point to remember is to make sure you enter the same deductibles and limits on each quote and and to get prices from all possible companies. Doing this enables an accurate price comparison and the best price selection.

Astonishing but true, the vast majority of consumers in California have been with the same company for at least the last four years, and almost half have never even compared rates from other companies. Many consumers in the U.S. could save $859 a year by just shopping around, but most tend to underestimate how much they could save if they switched.

Finding low cost Riverside insurance rates can be relatively painless. Consumers just need to invest a few minutes comparing free Riverside auto insurance quotes from different insurance companies.

The companies shown below are our best choices to provide quotes in California. If multiple companies are shown, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.

Auto insurance policy discounts for Ford Ranger insurance in Riverside

Some insurers don’t list all possible discounts very clearly, so the list below gives a summary of some of the more common and also the more inconspicuous ways to save on auto insurance.Discount auto insurance

As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears adding up those discounts means a free policy, you aren’t that lucky. But any discount will definitely reduce the premium cost.

The example below illustrates the comparison of Ford Ranger auto insurance costs with and without discounts applied to the premium. Data assumes a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, homeowner, and safe-driver discounts applied.

A list of companies and a partial list of their discounts are included below.

When quoting, ask every insurance company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in every state. To see a list of insurance companies offering auto insurance discounts in California, click this link.

Ford Ranger insurance rates and statistics

The coverage table shown next showcases different policy rates for Ford Ranger models. Being aware of how auto insurance policy rates are calculated can aid in making decisions on which coverage to buy.

Ford Ranger Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $218 $488 $500 $30 $150 $1,386 $116
Ranger XL SuperCab 2WD $256 $488 $500 $30 $150 $1,424 $119
Ranger XLT 2WD $256 $488 $500 $30 $150 $1,424 $119
Ranger XL 2WD $256 $488 $500 $30 $150 $1,424 $119
Ranger XL SuperCab 4WD $256 $488 $500 $30 $150 $1,424 $119
Ranger XLT SuperCab 2WD $256 $592 $500 $30 $150 $1,528 $127
Ranger Sport SuperCab 2WD $256 $592 $500 $30 $150 $1,528 $127
Ranger Sport SuperCab 4WD $256 $592 $500 $30 $150 $1,528 $127
Ranger XLT SuperCab 4WD $256 $592 $500 $30 $150 $1,528 $127
Ranger Sport SuperCab 2WD $256 $592 $500 $30 $150 $1,528 $127
Ranger XLT SuperCab 2WD $256 $592 $500 $30 $150 $1,528 $127
Get Your Own Custom Quote Go

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in your specific Riverside location which can impact auto insurance rates substantially.

Policy deductible comparison

A question often asked by Riverside drivers is at what level do you set your deductibles. The data tables below can help illustrate the differences in premium rates when you choose different physical damage coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Ford Ranger insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $254 $472 $442 $26 $132 $1,351 $113
Ranger XL SuperCab 2WD $298 $472 $442 $26 $132 $1,395 $116
Ranger XLT 2WD $298 $472 $442 $26 $132 $1,395 $116
Ranger XL 2WD $298 $472 $442 $26 $132 $1,395 $116
Ranger XL SuperCab 4WD $298 $472 $442 $26 $132 $1,395 $116
Ranger XLT SuperCab 2WD $298 $576 $442 $26 $132 $1,499 $125
Ranger Sport SuperCab 2WD $298 $576 $442 $26 $132 $1,499 $125
Ranger Sport SuperCab 4WD $298 $576 $442 $26 $132 $1,499 $125
Ranger XLT SuperCab 4WD $298 $576 $442 $26 $132 $1,499 $125
Ranger Sport SuperCab 2WD $298 $576 $442 $26 $132 $1,499 $125
Ranger XLT SuperCab 2WD $298 $576 $442 $26 $132 $1,499 $125
Get Your Own Custom Quote Go

Ford Ranger insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $156 $298 $442 $26 $132 $1,054 $88
Ranger XL SuperCab 2WD $184 $298 $442 $26 $132 $1,082 $90
Ranger XLT 2WD $184 $298 $442 $26 $132 $1,082 $90
Ranger XL 2WD $184 $298 $442 $26 $132 $1,082 $90
Ranger XL SuperCab 4WD $184 $298 $442 $26 $132 $1,082 $90
Ranger XLT SuperCab 2WD $184 $362 $442 $26 $132 $1,146 $96
Ranger Sport SuperCab 2WD $184 $362 $442 $26 $132 $1,146 $96
Ranger Sport SuperCab 4WD $184 $362 $442 $26 $132 $1,146 $96
Ranger XLT SuperCab 4WD $184 $362 $442 $26 $132 $1,146 $96
Ranger Sport SuperCab 2WD $184 $362 $442 $26 $132 $1,146 $96
Ranger XLT SuperCab 2WD $184 $362 $442 $26 $132 $1,146 $96
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in garaging location in Riverside which can affect rates significantly.

We can estimate from the data above that using a $250 deductible costs about $28 more each month or $336 a year than choosing the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 27 months between claim filings, you would probably be better off by going with a higher deductible.

Ford Ranger full coverage rates compared to liability only

The chart below visualizes the comparison of Ford Ranger insurance premiums with and without physical damage coverage. The prices are based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no additional discounts are factored in.

When to drop comprehensive and collision

There is no written rule of when to eliminate full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Ford Ranger replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $3,000 after paying your policy deductible. If it’s costing you more than $300 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some conditions where only buying liability is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

What Determines Ford Ranger Insurance Prices?

One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that go into determining your premiums. If you have a feel for what influences your rates, this enables informed choices that could help you find better car insurance rates.

The list below includes a partial list of the pieces used by your company to calculate your premiums.

Marriage is a factor – Being married helps lower the price on car insurance. Having a spouse usually means you are more mature and responsible and statistics prove married couples file fewer claims.

Your location is important – Being located in less populated areas of the country can be a good thing if you are looking for the lowest rates. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate. People who live in big cities have to deal with more road rage incidents and longer commutes to work. Longer commute distances translates into higher accident risk.

Raise your deductibles for better costs – The deductibles are the amount of money the insured will be required to pay in the event of a claim. Physical damage protection, also known as collision and other-than-collision, protects your car from damage. Some examples of covered claims could be collision with another vehicle, vandalism, or theft of your vehicle. The more the insured has to pay upfront, the better rate you will receive.

Do you have a high stress occupation? – Careers like military generals, police officers, and dentists usually pay higher average rates because of intense work requirements and extremely grueling work hours. Other careers like professors, students and homemakers generally pay rates lower than average.

Your credit history is important – Your credit history is a large factor in your rate calculation. So if your credit can be improved, you could be paying less to insure your Ford Ranger if you improve your credit rating. Insureds that have excellent credit scores tend to file fewer claims as compared to drivers with lower credit scores.

Safer cars lower rates – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and better occupant protection translates directly to fewer claims passed on to you as lower rates.

Get rate quotes but buy from a local neighborhood Riverside car insurance agent

Some consumers would rather talk to an insurance agent. Professional insurance agents are trained risk managers and will help you if you have claims. The best thing about comparing insurance prices online is that you can find cheaper rates and still have a local agent. And buying from local insurance agents is important particularly in Riverside.

Riverside insurance agentsBy using this short form, your coverage information is instantly submitted to insurance agents in Riverside that give free quotes to get your business. It makes it easy because there is no need to find an agent on your own because quoted prices will be sent to you directly. If for some reason you want to get a price quote from a specific company, you would need to navigate to their website and fill out their quote form.

If you want a reputable agency, it helps to know the two types of agencies and how they function. Agents in Riverside are either independent agents or exclusive agents. Both can write car insurance policies, but it’s a good idea to understand why they differ because it may have an impact on your selection of an agent.

Independent Agencies or Brokers

Agents that elect to be independent often have affiliation with several companies and that allows them to write policies with many different companies and find the cheapest rate. If your agent finds better pricing, they can switch companies in-house which makes it simple for you.

If you need cheaper car insurance rates, it’s a good idea to check rates from multiple independent agents for maximum quote selection. Many can place coverage with smaller regional carriers that can offer cheaper rates than bigger companies.

The following are independent agents in Riverside who may provide price quotes.

More insurance agents

Exclusive Agencies

Exclusive agencies normally can only provide a single company’s rates like Farmers Insurance or State Farm. Exclusive agents are unable to place coverage with different providers so it’s a take it or leave it situation. These agents are usually quite knowledgeable on their company’s products and that allows them to sell at a higher price point. Consumers sometimes purchase coverage from exclusives primarily because of the brand rather than having low rates.

Below are exclusive agents in Riverside who can help you get price quote information.

More insurance agents

Deciding on an auto insurance agent requires more thought than just the premium amount. Any agent in Riverside should have no problem answering these questions:

Tailor your car insurance coverage to you

When quoting and choosing coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and your car insurance should be unique as well.Car insurance savings
For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

The lowest rates come from being thorough

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. Too many times, consumers will sacrifice full coverage only to find out they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

Throughout this article, we presented quite a bit of information on how to compare Ford Ranger insurance prices in Riverside. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding the cheapest Ford Ranger rate quotes. Consumers could even find that the biggest savings come from the smaller companies. They may only write in your state and offer lower rates as compared to the big name companies such as Allstate and Progressive.

Additional information is available at the links below