Save Money on Ford Ranger Insurance in Los Angeles

Insurance rates Ford Ranger in Los AngelesDo you think you bought high-priced Ford Ranger insurance in Los Angeles? Say no more because many Los Angeles drivers have buyer’s remorse.

It’s astonishing, but almost 70% of drivers have remained with the same car insurance company for four years or more, and approximately 38% of consumers have never even compared rates from other companies. Drivers in California could save roughly 35% every year just by comparing rates, but they just feel it’s too hard to go online and compare rates. Insurance companies such as State Farm, GEICO and Farmers Insurance continually bombard you with ad campaigns and it is difficult to see past the corporate glitz and take the time to shop coverage around.

If you have coverage now or are looking for a new policy, you will benefit by learning to find the best rates without having to cut coverage. Locating the best rates in Los Angeles is actually not that difficult if you follow our advice. Drivers just have to learn the proper methods to compare price quotes over the internet.

Most major insurance companies allow you to get prices on the web. Getting quotes for Ford Ranger insurance in Los Angeles is fairly straightforward as you just enter your coverage preferences as requested by the quote form. Once entered, their system collects your credit score and driving record and generates a price based on these factors. Getting online rate quotes for Ford Ranger insurance in Los Angeles streamlines rate comparisons, and it’s absolutely necessary to compare as many rates as possible if you want to get a lower rate.

In order to find out how much you can save on insurance, compare rates from the companies below. If you have a policy now, it’s recommended you enter the coverage information identical to your current policy. This ensures you will have comparison quotes for exact coverage.

The companies shown below have been selected to offer price quotes in Los Angeles, CA. If the list has multiple companies, it’s highly recommended you visit two to three different companies to get the best price comparison.

Rates and detailed analysis

The coverage information shown below covers a range of insurance rates for Ford Ranger models. Being more informed about how insurance quotes are determined is important to be able to make smart buying decisions.

Ford Ranger Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $206 $382 $442 $26 $132 $1,188 $99
Ranger XL SuperCab 2WD $242 $382 $442 $26 $132 $1,224 $102
Ranger XLT 2WD $242 $382 $442 $26 $132 $1,224 $102
Ranger XL 2WD $242 $382 $442 $26 $132 $1,224 $102
Ranger XL SuperCab 4WD $242 $382 $442 $26 $132 $1,224 $102
Ranger XLT SuperCab 2WD $242 $464 $442 $26 $132 $1,306 $109
Ranger Sport SuperCab 2WD $242 $464 $442 $26 $132 $1,306 $109
Ranger Sport SuperCab 4WD $242 $464 $442 $26 $132 $1,306 $109
Ranger XLT SuperCab 4WD $242 $464 $442 $26 $132 $1,306 $109
Ranger Sport SuperCab 2WD $242 $464 $442 $26 $132 $1,306 $109
Ranger XLT SuperCab 2WD $242 $464 $442 $26 $132 $1,306 $109
Get Your Own Customized Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can impact auto insurance rates substantially.

The illustration below demonstrates how choosing different deductibles and can change Ford Ranger insurance costs for each different age category. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are applied.

Rate comparison of male drivers versus female drivers

The information below illustrates the difference between Ford Ranger car insurance costs for male and female drivers. The information is based on no claims or driving violations, full coverage, $250 deductibles, marital status is single, and no other discounts are factored in.

Difference between full coverage and liability only rates

The illustration below shows the comparison of Ford Ranger insurance costs with and without full coverage. The premium estimates are based on no violations or claims, $100 deductibles, single status, and no discounts are applied.

When to buy liability coverage only

There is no definitive formula for dropping physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s say your Ford Ranger claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after paying your policy deductible. If you are currently paying more than $500 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage.

Car insurance does more than just repair your car

Even though it can be expensive, car insurance may not be optional for several reasons.

The benefits of having insurance outweigh the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is overpaying over $830 a year so compare rate quotes at every renewal to be sure current rates are still competitive.

How Car Insurance Companies Calculate Ford Ranger Insurance Costs

Lots of factors are considered when quoting car insurance. Some of the criteria are obvious like an MVR report, but some are not quite as obvious such as your marital status or your financial responsibility. When buying insurance it’s important to understand some of the things that play a part in calculating the rates you pay for insurance. When you know what positively or negatively influences your rates, this enables informed choices that can earn you much lower annual insurance costs.

The itemized list below are most of the major factors utilized by car insurance companies to help set rates.

Get lower-cost rates on Ford Ranger insurance in Los Angeles with these car insurance discounts

Car insurance is neither fun to buy or cheap, but you can get discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you purchase, but a few must be asked for in order for you to get them.Car insurance discounts

Just know that most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, nobody gets a free ride.

The diagram below illustrates the comparison of Ford Ranger car insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no claims or violations, California 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 marriage, safe-driver, multi-car, multi-policy, claim-free, and homeowner discounts applied.

Larger car insurance companies and some of the discounts are detailed below.

Double check with every insurance company how you can save money. Depending on the company, some discounts might not be available to policyholders in Los Angeles. If you would like to see a list of insurers with significant discounts in California, click here to view.

Are insurance agents obsolete?

Certain consumers would rather visit with an insurance agent and that is just fine! Licensed agents will help you protect your assets and help in the event of a claim. A good thing about comparing insurance prices online is the fact that you can find the best rates and still have an agent to talk to.

Insurance agency in Los AngelesAfter filling out this form (opens in new window), the coverage information is transmitted to agents in your area who will gladly provide quotes for your coverage. There is no need to search for an agent since price quotes are sent to your email. If you wish to get a comparison quote for a specific company, just visit that company’s website and submit a quote form there.

Selecting an provider requires you to look at more than just a low price. Get answers to these questions too.

The following is a short list of car insurance companies in Los Angeles that are able to give price quote information for Ford Ranger insurance in Los Angeles.

628 N Vermont Ave Ste 12Los Angeles, CA 90004(213) 383-5120View Map

Ted Hope – State Farm Insurance Agent
2049 W Manchester AveLos Angeles, CA 90047(323) 752-4885View Map

1990 Westwood Blvd #100Los Angeles, CA 90025(310) 234-9600View Map

3580 Wilshire Blvd #130Los Angeles, CA 90010(213) 365-2071View Map

View more agents

The best insurance company isn’t always the cheapest

When buying insurance coverage, never reduce needed coverages to save money. In too many instances, someone dropped collision coverage only to find out that it was a big error on their part. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Some insurance providers may not have internet price quotes and usually these small insurance companies provide coverage only through independent agents. Cheaper insurance in Los Angeles can be found both online and with local Los Angeles insurance agents, so you should compare both to have the best chance of lowering rates.

You just learned quite a bit of information on how to find cheaper Ford Ranger insurance in Los Angeles. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Consumers may even find the best price on insurance is with a small local company. They may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

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