Do you need a better way to compare lower-priced Ford Ranger insurance in Kansas City? Locating lower priced Kansas City Ford Ranger insurance quotes over the internet can be difficult for consumers new to quoting and shopping for insurance on the web. Since there are so many online companies, how can consumers have a chance to compare the different rates to find better car insurance prices?
How to find cheaper Ford Ranger insurance in Kansas City
It takes a few minutes, but the best way to save on Ford Ranger insurance in Kansas City is to compare prices annually from different companies that sell auto insurance in Missouri. Rate comparisons can be done by following these guidelines.
First, try to understand how insurance works and the measures you can take to prevent high rates. Many risk factors that result in higher rates such as at-fault accidents, speeding tickets, and a less-than-favorable credit rating can be amended by improving your driving habits or financial responsibility. Read the full article for more ideas to help reduce premium rates and find additional discounts.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or State Farm, while independent agencies can provide price quotes for a wide range of companies.
Third, compare the new rates to your existing policy and determine if cheaper Ranger coverage is available. If you find better rates and switch companies, ensure coverage does not lapse between policies.
Fourth, notify your agent or company of your intention to cancel your current auto insurance policy and submit a completed application and payment for your new coverage. As soon as coverage is bound, place your new certificate verifying coverage somewhere easily accessible.
The critical component of shopping around is to use the same physical damage deductibles and liability limits on every quote request and and to get price quotes from as many different companies as possible. This enables an apples-to-apples comparison and the best price quote selection.
It’s safe to conclude that auto insurance companies don’t want you quoting rates from other companies. People who get price comparisons will, in all likelihood, buy a different policy because there is a significant possibility of finding a lower-cost company. A recent car insurance study revealed that people who regularly compared price quotes saved on average $860 a year compared to drivers who never shopped around for better prices.
If finding the lowest price for auto insurance is your objective, then learning a little about how to quote prices and compare insurance premiums can make it simple to find affordable coverage.
Consumers need to compare premium rates yearly because rates are adjusted regularly by insurance companies. Just because you had the best premium rates on Ford Ranger insurance in Kansas City six months ago you can probably find a better price now. There is a lot of bad information regarding Ranger insurance out there, but I’m going to show you some guaranteed methods to lower your car insurance premiums.
To get affordable Kansas City auto insurance quotes, there a variety of ways to obtain and compare prices from all the different companies. The best method to find competitive Ford Ranger insurance rates consists of shopping online.
It’s important to know that obtaining a wide range of quotes helps locate the best rates.
The car insurance companies shown below can provide price comparisons in Kansas City, MO. If you want the best cheap auto insurance in Kansas City, MO, we recommend you compare several of them in order to find the lowest rates.
Buying the right vehicle insurance in Missouri is an important decision
Despite the high insurance cost for a Ford Ranger in Kansas City, buying auto insurance is mandatory in Missouri but it also protects more than you think.
- Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage in order to license the vehicle. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your vehicle, it’s most likely the lender will stipulate that you buy full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Ford at an extremely high rate and require you to reimburse them for the much more expensive policy.
- Auto insurance preserves both your Ford and your personal assets. Insurance will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance more than offset the price you pay, especially for larger claims. On average, a vehicle owner in Kansas City is currently overpaying as much as $830 a year so compare rates each time the policy renews to ensure rates are competitive.
Coverage analysis
The coverage information below outlines detailed analysis of rate quotes for Ford Ranger models. Having knowledge of how insurance policy premiums are calculated can help drivers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $146 | $322 | $346 | $20 | $104 | $938 | $78 |
| Ranger XL SuperCab 2WD | $172 | $322 | $346 | $20 | $104 | $964 | $80 |
| Ranger XLT 2WD | $172 | $322 | $346 | $20 | $104 | $964 | $80 |
| Ranger XL 2WD | $172 | $322 | $346 | $20 | $104 | $964 | $80 |
| Ranger XL SuperCab 4WD | $172 | $322 | $346 | $20 | $104 | $964 | $80 |
| Ranger XLT SuperCab 2WD | $172 | $392 | $346 | $20 | $104 | $1,034 | $86 |
| Ranger Sport SuperCab 2WD | $172 | $392 | $346 | $20 | $104 | $1,034 | $86 |
| Ranger Sport SuperCab 4WD | $172 | $392 | $346 | $20 | $104 | $1,034 | $86 |
| Ranger XLT SuperCab 4WD | $172 | $392 | $346 | $20 | $104 | $1,034 | $86 |
| Ranger Sport SuperCab 2WD | $172 | $392 | $346 | $20 | $104 | $1,034 | $86 |
| Ranger XLT SuperCab 2WD | $172 | $392 | $346 | $20 | $104 | $1,034 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Prices do not factor in specific garaging location which can affect coverage prices noticeably.
How much more does full coverage cost?
The example below shows the comparison of Ford Ranger insurance costs with liability coverage only compared to full coverage. The premium estimates are based on no claims or violations, $250 deductibles, single marital status, and no additional discounts are factored in.
When to eliminate full coverage
There isn’t a written rule to eliminate physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Ford Ranger book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after paying your policy deductible. If you are paying in excess of $300 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where buying only liability insurance is not advised. If you haven’t paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Auto insurance quotes and discounts
Companies offering auto insurance do not list every discount they offer in a way that’s easy to find, so the next list breaks down a few of the more well known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you could be getting lower rates.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
- One Accident Forgiven – Not really a discount, but some insurance companies allow you one accident without getting socked with a rate hike if you are claim-free for a specific time period.
- Home Ownership Discount – Just being a homeowner can save you money because maintaining a house means you have a higher level of financial diligence.
- Good Students Pay Less – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
- 55 and Retired – Drivers that qualify as senior citizens may be able to get a small decrease in premiums.
- Active Service Discounts – Having a family member in the military may lower your rates slightly.
As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.
The illustration below illustrates the difference between Ford Ranger auto insurance rates with and without discounts applied. The price estimates are based on a male driver, no claims, a clean driving record, Missouri state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, marriage, multi-policy, and claim-free discounts applied.
If you would like to view companies who offer discounts in Kansas City, click here.
Don’t assume everyone needs the same car insurance coverage
When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Every situation is different and your policy should reflect that.
Here are some questions about coverages that may help highlight whether or not you may require specific advice.
- Do I pay less for low miles?
- Which is better, split liability limits or combined limits?
- If my Ford Ranger is totaled, can I afford another vehicle?
- Do I have coverage when using my vehicle for my home business?
- Is my Ford Ranger covered for smoke damage?
- How high should my medical payments coverage be?
- Is a driver training discount available?
- How do I insure my teen driver?
If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.