Affordable Quotes for Ford Ranger Insurance in Boston

Everyone knows that auto insurance companies don’t want you to look for a cheaper policy. Consumers who shop around for cheaper rates will probably switch auto insurance companies because there are good odds of finding good coverage at a lower price. A recent auto insurance study discovered that people who compared prices regularly saved over $865 a year compared to other drivers who didn’t regularly shop around.

If finding the cheapest price on auto insurance is the reason you’re reading this, learning how to shop for car insurance can make the process less intimidating.

The preferred way to find discount car insurance rates in Boston is to regularly compare prices from companies in Massachusetts. Prices can be compared by completing these steps.

1. Learn about car insurance and the factors you can control to drop your rates. Many factors that cause rate increases like getting speeding tickets and your credit history can be remedied by making minor driving habit or lifestyle changes. Read the full article for instructions to help reduce prices and get additional discounts that may be available.
2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while independent agencies can provide rate quotes from multiple insurance companies.
3. Compare the new rate quotes to your existing policy and determine if there is any savings. If you can save money and switch companies, ensure coverage does not lapse between policies.
4. Provide proper notification to your current company of your decision to cancel your current policy. Submit a down payment along with a signed application to your new agent or company. As soon as coverage is bound, put the proof of insurance certificate with the vehicle registration.

An important bit of advice to remember is that you use identical deductibles and limits on every quote request and and to get prices from as many companies as possible. Doing this enables a fair rate comparison and a complete selection of prices.

If you’re already insured or just want cheaper rates, use these cost-cutting techniques to find the best rates while maximizing coverage. This information will let you in on the best methods to compare rates and some money-saving tips. Consumers just have to use the most effective way to compare rates from many companies at once.

The cheapest Boston Ford Ranger insurance

The companies in the list below offer free rate quotes in Boston, MA. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Ford Ranger insurance analysis

The premium table shown below covers a range of insurance policy prices for Ford Ranger models. Having a good understanding how policy rates are formulated can help guide drivers when making informed decisions.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in zip code location which can affect insurance rates substantially.

The illustration below highlights how deductible selection and can raise or lower Ford Ranger insurance prices for different ages of insureds. The prices are based on a married male driver, comp and collision included, and no discounts are factored in.

Should you buy full coverage?

The chart below compares Ford Ranger insurance rates with and without physical damage coverage. The data is based on no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There is no clear-cut rule of when to eliminate comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Ford Ranger claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after the deductible is paid. If premiums are more than $500 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some circumstances where buying only liability insurance is not a good plan. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Affordable Ford Ranger insurance in Boston

Some companies don’t always publicize every discount available very well, so the list below gives a summary of some of the best known as well as some of the hidden credits that you can use to lower your rates.

• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
• No Claims – Drivers who don’t have accidents pay less as opposed to frequent claim filers.
• Air Bag Discount – Options like air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
• Buy New and Save – Insuring a new Ranger may earn a small discount because new vehicles have to meet stringent safety requirements.
• Professional Memberships – Joining a civic or occupational organization in Boston could trigger savings on your next renewal.
• First Accident Forgiveness – Not really a discount, but some companies like Liberty Mutual, GEICO and Allstate may permit one accident before raising your premiums so long as you are claim-free for a certain period of time.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it’s just not the way it works.

The information below visualizes the comparison of Ford Ranger annual premium costs with and without some available policy discounts. Data assumes a female driver, no tickets, no at-fault accidents, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, claim-free, multi-policy, and marriage discounts applied.

The best insurance companies and some of the premium reductions they offer can be found below.

• American Family policyholders can earn discounts including air bags, good driver, defensive driver, good student, accident-free, multi-vehicle, and early bird.
• Farm Bureau offers premium reductions for 55 and retired, safe driver, renewal discount, youthful driver, multi-vehicle, multi-policy, and driver training.
• State Farm has discounts for defensive driving training, passive restraint, good driver, anti-theft, good student, and Steer Clear safe driver discount.
• Travelers may have discounts that include multi-policy, multi-car, payment discounts, home ownership, good student, continuous insurance, and driver training.
• The Hartford may include discounts for defensive driver, driver training, air bag, bundle, good student, anti-theft, and vehicle fuel type.
• GEICO offers discounts for multi-vehicle, membership and employees, anti-theft, seat belt use, air bags, anti-lock brakes, and military active duty.
• Progressive may offer discounts for multi-vehicle, online signing, online quote discount, multi-policy, homeowner, and continuous coverage.

If you need affordable Boston auto insurance quotes, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts may not apply in Boston.

Three reasons to not skimp on insurance

Even though Boston Ranger insurance rates can get expensive, insurance serves an important purpose.

First, the majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance if you don’t want to risk a ticket. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your car has a lienholder, more than likely the lender will make it a condition of the loan that you have insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Ford at a significantly higher premium and force you to reimburse them for the much more expensive policy.

Third, insurance preserves not only your Ford Ranger but also your assets. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance greatly outweigh the cost, especially for larger claims. The average driver in America is overpaying more than $855 a year so compare quotes from several companies once a year at a minimum to ensure rates are competitive.

There’s no such thing as the perfect auto insurance policy

When quoting and comparing a policy, there really is not a best way to insure your cars. Your needs are unique to you.

These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

• Is a driver training discount available?
• Which is better, split liability limits or combined limits?
• Does car insurance cover theft of personal property?
• Does my policy pay for OEM or aftermarket parts?
• Can I still get insurance after a DUI?
• What can I do if my company won’t pay a claim?
• Should I buy full coverage?
• Should I buy more coverage than the required Massachusetts minimum liability coverage?
• Can I afford low physical damage deductibles?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Shop online but buy locally

Some consumers still like to have an agent’s advice and that is not a bad decision Licensed agents can make sure you are properly covered and help in the event of a claim. An additional benefit of comparing insurance prices online is you may find cheap insurance quotes and also buy local.

To make it easy to find an agent, after completing this simple form, your insurance data is transmitted to local insurance agents in Boston who will give competitive quotes for your coverage. It simplifies rate comparisons since you won’t have to contact an agency due to the fact that quote results will go directly to your email. If you want to compare prices from a specific company, don’t hesitate to jump over to their website and fill out their quote form.

Picking an company requires more thought than just a cheap quote. You should also get answers to these questions.

• Are they able to provide referrals?
• Are they primarily personal or commercial lines agents in Boston?
• Will your rates increase after a single accident?
• If independent agents, which companies do they recommend?
• Does the company allow you to choose your own collision repair facility?
• Will the agent help in case of a claim?
• Has the agent ever had any license suspensions?
• How many years have they been established?

After getting positive responses for all questions you ask in addition to an acceptable price estimate, it’s a good possibility that you have found a company that can properly insure your vehicles.