Save Money on Ford Ranger Insurance in Las Vegas

Are you burned out from sacrificing other expenses to insure your Ford every month? You are no different than the majority of other drivers in Nevada.

Anyone knows that auto insurance companies don’t want customers comparing rates. Consumers who compare rates annually are inclined to buy a new policy because they stand a good chance of finding a more affordable policy. A recent survey found that consumers who compared rate quotes regularly saved over $865 a year as compared to drivers who never shopped around for cheaper prices.

If finding the cheapest rates on Ford Ranger insurance is your ultimate target, then having some insight into the best way to quote and compare coverage rates can make it easier to find better rates.

Steps to quoting cheaper Ford Ranger insurance in Las Vegas

If you want to find the absolute lowest rates, then the best way to get the cheapest Ford Ranger insurance in Las Vegas is to regularly compare prices from providers in Nevada. You can shop around by following these steps.

1. Learn about how insurance works and the measures you can take to prevent rate increases. Many risk factors that increase rates such as accidents, traffic tickets, and a less-than-favorable credit score can be rectified by making small lifestyle or driving habit changes. Read the full article for more ideas to help reduce prices and find discounts that you may qualify for.
2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from multiple insurance companies.
3. Compare the new quotes to your current policy to see if a cheaper rate is available in Las Vegas. If you find better rates, make sure there is no lapse in coverage.

The most important part of this process is to compare similar limits and deductibles on every quote and and to get price quotes from as many carriers as you can. Doing this helps ensure an accurate price comparison and plenty of rates choose from.

Insurance companies such as GEICO and Progressive constantly blast consumers with ad campaigns and it is difficult to ignore the propaganda and do the work needed to find the best deal.

It’s smart to get comparison quotes yearly because auto insurance prices go up and down regularly. Despite the fact that you may have had the best rates on Ford Ranger insurance in Las Vegas at your last renewal other companies may now be cheaper. There is a lot of wrong information about Ranger insurance out there, but we’re going to give you some tested techniques to lower your auto insurance premiums.

Best Ford Ranger insurance rate quotes in Nevada

The companies shown below are ready to provide free quotes in Nevada. If you want to find cheaper auto insurance in NV, we suggest you click on several of them to find the most competitive car insurance rates.

Insurance data for a Ford Ranger

The price information shown next showcases different insurance prices for Ford Ranger models. Having insight into how insurance policy rates are determined is important for you to make informed decisions when comparing rate quotes.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can alter rates substantially.

Should you raise deductibles?

One of the more difficult decisions when buying insurance is where should you set your physical damage deductibles. The premium rates below determine how much more rates are when you choose different physical damage deductibles. The first table uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific Las Vegas garaging location which can decrease or increase coverage rates significantly.

Based on these figures, using a $250 deductible will cost you about $20 more each month or $240 every year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 38 months between claim filings, you would come out ahead going with the higher deductible.

Impact of speeding/accidents on insurance rates

The chart below illustrates how speeding tickets and at-fault accidents can influence Ford Ranger insurance costs for different age groups. The data is based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

Age, gender, and Ford Ranger insurance

The example below illustrates the difference between Ford Ranger car insurance costs for male and female drivers. The costs are based on no claims or driving citations, comp and collision included, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Save with these eight discounts on Ford Ranger insurance in Las Vegas

Not many people think insurance is cheap, but you may qualify for discounts that can help lower your rates. Some of these discounts will be visible at the time of quoting, but once in a while a discount must be asked for before being credited. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.

• Good Student – Performing well in school may save as much as 25% on a Las Vegas auto insurance quote. Most companies allow this discount until age 25.
• Multiple Policy Discount – If you can bundle your auto and homeowners insurance with one company you could save 10% to 20% off each policy.
• Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on Las Vegas auto insurance quote as opposed to accident-prone drivers.
• ABS and Traction Control Discounts – Cars with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
• Low Miles Discount – Keeping the miles down on your Ford could be rewarded with slightly better premium rates than normal.
• Active Military Service – Being deployed in the military may lower your premium rates slightly.
• Resident Student – Children who are enrolled in higher education away from home and do not have a car may qualify for this discount.

Remember that most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The chart below illustrates the comparison of Ford Ranger car insurance rates with and without discounts applied to the rates. The data is based on a female driver, no claims or driving citations, Nevada state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, claim-free, and marriage discounts applied.

To locate insurance companies that provide some of the discounts listed above in Nevada, follow this link.

Are insurance agents a thing of the past?

Some consumers just want to buy from a local agent and we recommend doing that Licensed agents can make sure you are properly covered and will help you if you have claims. The biggest benefit of comparing rate quotes online is that you can find lower premium rates but also keep your business local.

Once you complete this short form, your coverage information is instantly submitted to local insurance agents who will return price quotes for your insurance coverage. You never need to leave your computer since price quotes are sent to you. If you need to compare rates from a specific insurance provider, feel free to go to their quote page and submit a quote form there.

Selecting an company should include more criteria than just the price. These are some valid questions you should ask.

• What insurance company do they write the most business with?
• Is the agent properly licensed in Nevada?
• Will you get a loaner vehicle if you car is being repaired?
• Do they assist clients in filing claims?
• Do they have any clout with companies to ensure a fair claim settlement?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Is auto insurance their primary focus in Las Vegas?

Your situation helps dictate your coverage

Always remember that when buying adequate coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if you might need professional guidance.

• Should I sign the liability waiver when renting a car?
• Should I file a claim if it’s only slightly more than my deductible?
• Exactly who is provided coverage by my policy?
• Am I better off with higher deductibles on my Ford Ranger?
• Is my trailer covered?
• Should I buy more coverage than the required Nevada minimum liability coverage?
• How does medical payments coverage work?
• Why am I required to buy liability insurance?
• How can I force my company to pay a claim?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Understanding the coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive car insurance – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, falling objects, damage from flooding, damage from a tornado or hurricane and rock chips in glass. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – Collision insurance will pay to fix damage to your Ranger caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, driving through your garage door, damaging your car on a curb, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your Ranger to get cheaper collision coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses for hospital visits, surgery and funeral costs. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Liability – Liability insurance will cover injuries or damage you cause to people or other property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 15/30/10 that means you have $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, loss of income, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford. Nevada requires drivers to carry at least 15/30/10 but you should consider buying more coverage.

The chart below shows why minimum state limits may not be high enough to cover claims.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Ranger.

Because many people have only the minimum liability required by law (which is 15/30/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Cheaper auto insurance is a realistic goal

People change insurance companies for a number of reasons such as policy non-renewal, delays in responding to claim requests, denial of a claim or even an unsatisfactory settlement offer. Whatever your reason, finding a new auto insurance company is actually quite simple.

Affordable Ford Ranger insurance in Las Vegas is possible online in addition to many Las Vegas insurance agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies may not offer rates over the internet and these small insurance companies prefer to sell through local independent agents.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. Too many times, consumers will sacrifice liability coverage limits only to find out that the small savings ended up costing them much more. Your objective should be to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

How to find lower priced Ford Ranger insurance in Las Vegas

Really, the only way to get affordable Ford Ranger insurance is to compare prices once a year from insurers who sell auto insurance in Las Vegas. Rate comparisons can be done by completing these steps.

• First, it will benefit you to learn about how companies set rates and the factors you can control to keep rates down. Many rating factors that are responsible for high rates such as traffic citations, accidents, and a negative credit rating can be eliminated by paying attention to minor details.
• Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO and Allstate, while independent agencies can give you price quotes from many different companies. View insurance agents
• Third, compare the price quotes to your existing coverage to determine if switching companies saves money. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.

One tip to remember is to use the same deductibles and limits on every price quote and and to get prices from as many companies as you can. Doing this helps ensure an accurate price comparison and the most accurate and complete price analysis.

More information can be read on the following sites:

• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Who Has the Cheapest Las Vegas Car Insurance Rates for College Graduates? (FAQ)
• What Auto Insurance is Cheapest for Welfare Recipients in Las Vegas? (FAQ)
• Who Has Affordable Auto Insurance for Drivers Under 25 in Las Vegas? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Homeowners in Las Vegas? (FAQ)
• State Car Insurance Guides (GEICO)
• Get the Right Protection (InsureUonline.org)
• Should I Buy a New or Used Car? (Allstate)