Anyone knows that auto insurance companies want to keep your business as long as possible. Drivers who shop around at least once a year will presumably switch companies because they have good chances of finding lower prices. A recent survey found that consumers who compared price quotes annually saved about $70 a month as compared to drivers who never shopped around for better prices.
If finding the most affordable Ford Ranger insurance in Orlando is your target objective, then having a good understanding how to quote prices and compare auto insurance can make the process more efficient.
If you want to save the most money, the best way to get more affordable Ford Ranger insurance is to start doing a yearly price comparison from insurance carriers who sell insurance in Orlando. Rates can be compared by following these guidelines.
- Get an understanding of how insurance works and the measures you can take to prevent expensive coverage. Many factors that are responsible for high rates like traffic citations and a negative credit score can be controlled by making minor driving habit or lifestyle changes. Continue reading for more information to keep prices down and get discounts that may be overlooked.
- Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of companies. Compare rates now
- Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate quote and change companies, make sure there is no coverage gap between policies.
An important part of this process is to use identical coverage information on each quote and and to get prices from as many different companies as possible. Doing this ensures a fair rate comparison and many rates to choose from.
Affordable Ford insurance prices in Orlando
The companies shown below are ready to provide quotes in Orlando, FL. If you wish to find cheap auto insurance in Orlando, FL, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Rates and statistics
The rate information shown below showcases different insurance premium costs for Ford Ranger models. Having a better understanding of how insurance policy premiums are formulated can help guide drivers when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $262 | $612 | $504 | $30 | $152 | $1,560 | $130 |
| Ranger XL SuperCab 2WD | $306 | $612 | $504 | $30 | $152 | $1,604 | $134 |
| Ranger XLT 2WD | $306 | $612 | $504 | $30 | $152 | $1,604 | $134 |
| Ranger XL 2WD | $306 | $612 | $504 | $30 | $152 | $1,604 | $134 |
| Ranger XL SuperCab 4WD | $306 | $612 | $504 | $30 | $152 | $1,604 | $134 |
| Ranger XLT SuperCab 2WD | $306 | $746 | $504 | $30 | $152 | $1,738 | $145 |
| Ranger Sport SuperCab 2WD | $306 | $746 | $504 | $30 | $152 | $1,738 | $145 |
| Ranger Sport SuperCab 4WD | $306 | $746 | $504 | $30 | $152 | $1,738 | $145 |
| Ranger XLT SuperCab 4WD | $306 | $746 | $504 | $30 | $152 | $1,738 | $145 |
| Ranger Sport SuperCab 2WD | $306 | $746 | $504 | $30 | $152 | $1,738 | $145 |
| Ranger XLT SuperCab 2WD | $306 | $746 | $504 | $30 | $152 | $1,738 | $145 |
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in zip code location which can decrease or increase price quotes substantially.
Should you buy full coverage?
The information below shows the difference between Ford Ranger insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims or driving violations, $250 deductibles, marital status is single, and no discounts are applied.
Should you be buying full coverage?
There is no set guideline for phasing out physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Ford Ranger replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after you pay the deductible. If you are currently paying more than $400 a year for full coverage, then you might consider buying liability only.
There are some circumstances where only buying liability is not advised. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Auto insurance rates and discounts
Car insurance companies don’t necessarily list every discount very clearly, so the list below details some of the more common and also the lesser-known discounts that may be available.
- Good Students Pay Less – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you up until you turn 25.
- First Accident Forgiveness – Not really a discount, but companies like State Farm and Allstate will forgive one accident before your rates go up so long as you are claim-free for a set time period.
- Bundled Policy Discount – If you can combine your auto and home policy with one insurance company they may give you a discount of up to 20% and get you cheaper Ranger insurance.
- Auto/Life Discount – Larger insurance carriers have a small discount if you purchase life insurance.
- Home Ownership Discount – Just being a homeowner can save a few bucks due to the fact that maintaining a home demonstrates responsibility.
- ABS Braking Discount – Vehicles that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
- Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
- No Accidents – Insureds who avoid accidents and claims pay less when compared with policyholders that have many claims.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
Don’t be surprised that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.
The information below illustrates the comparison of Ford Ranger insurance prices with and without discounts being applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, claim-free, and multi-policy discounts applied.
The best auto insurance companies and a summarized list of policyholder discounts can be found below.
- Esurance policyholders can earn discounts including multi-car, multi-policy, homeowner, paid-in-full, and Pac-12 alumni.
- The Hartford has savings for defensive driver, anti-theft, air bag, driver training, bundle, and vehicle fuel type.
- AAA may include discounts for pay-in-full, good student, good driver, AAA membership discount, multi-car, and anti-theft.
- GEICO may have discounts that include military active duty, multi-policy, emergency military deployment, driver training, and anti-lock brakes.
- State Farm offers discounts including multiple policy, accident-free, driver’s education, Drive Safe & Save, passive restraint, good student, and multiple autos.
Before buying, ask each insurance company which discounts you may be entitled to. A few discounts might not apply everywhere. If you would like to see a list of companies that offer many of these discounts in Florida, click this link.
How do I know if I need professional advice?
Always remember that when buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.
- Do I need PIP (personal injury protection) coverage in Florida?
- Is my camper covered for physical damage?
- Should I put collision coverage on all my vehicles?
- Are all vehicle passengers covered by medical payments coverage?
- What is the difference between comprehensive and collision coverage?
- Where can I find high-risk insurance?
- Is my Ford Ranger covered for smoke damage?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.
What if I want to buy from local Orlando auto insurance agents?
Some consumers would rather buy from a local agent and there is nothing wrong with that. Professional insurance agents can make sure you are properly covered and help in the event of a claim. The biggest benefit of comparing insurance prices online is that you can obtain cheap rate quotes and still buy from a local agent.
Upon completion of this quick form, the coverage information is transmitted to companies in Orlando who will gladly provide quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to leave your house because prices are sent instantly to you. If you have a need to quote rates for a specific company, you would need to go to their quote page and submit a quote form there.
Selecting an company needs to be determined by more than just the price. Any good agent in Orlando should know the answers to these questions.
- How many years have they been established?
- Are they giving you every discount you deserve?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Is working in the agency their full-time job?
- Does the agency support the community they serve?
Auto insurance company ratings
Buying coverage from the top auto insurance company can be a challenge considering how many companies there are to choose from in Orlando. The company ratings in the next section may help you select which coverage providers to look at when looking for cheaper rates.
Top 10 Orlando Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Orlando Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Cheaper car insurance is a realistic goal
Cheaper car insurance in Orlando can be found from both online companies as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through local independent agents.
As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. In too many instances, an accident victim reduced collision coverage only to regret that they should have had better coverage. Your goal is to get the best coverage possible for the lowest cost while still protecting your assets.
More tips and info about car insurance can be found in these articles:
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Who Has the Cheapest Orlando Auto Insurance for Drivers Over Age 50? (FAQ)
- Who Has Affordable Auto Insurance for First-time Drivers in Orlando? (FAQ)
- Who Has the Cheapest Orlando Car Insurance for a 20 Year Old Male? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Company Car in Orlando? (FAQ)
- What Insurance is Cheapest for Drivers Over Age 60 in Orlando? (FAQ)
- Who Has the Cheapest Orlando Auto Insurance for Retired Military? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Ford Focus in Orlando? (FAQ)
- Who Has Cheap Orlando Auto Insurance for a Nissan Rogue? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)