To save the most money, the best way to get budget Ford Ranger insurance is to start comparing prices regularly from different companies who provide auto insurance in Scottsdale.
- First, it will benefit you to learn about how your policy works and the measures you can take to prevent expensive coverage. Many policy risk factors that result in higher rates such as speeding tickets, careless driving and poor credit history can be remedied by making minor changes in your lifestyle.
- Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Allstate, while agents who are independent can quote prices from multiple companies.
- Third, compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find a better price and change companies, verify that coverage does not lapse between policies.
- Fourth, notify your agent or company of your decision to cancel your current car insurance policy. Submit payment along with a signed and completed policy application to the newly selected company. As soon as you can, place the new certificate verifying proof of insurance in an easily accessible location.
One thing to remember is to make sure you’re comparing identical coverages on every quote and and to look at all possible companies. This ensures a level playing field and a thorough price selection.
A study showed that almost 70% of drivers kept their coverage with the same car insurance company for four years or more, and 38% of drivers have never compared rates to find affordable insurance. Arizona consumers could save nearly 50% every year by just comparing quotes, but most tend to underestimate the amount of money they would save if they moved their coverage to a different company.
We hope to teach you a little about how to get online quotes and also save some money in the process If you are already insured, you will be able to reduce premiums using the concepts you’re about to learn. Although Arizona car owners need to learn the way companies charge you for coverage and use this information to your advantage.
The most recommended method to get policy rate comparisons for Ford Ranger insurance in Scottsdale takes advantage of the fact auto insurance companies pay for the opportunity to provide you with a free rate quote. All you need to do is give them rating details such as if you have a valid license, if the vehicle is leased, whether you drive to work or school, and how many miles driven. The rating information gets sent immediately to insurance companies and they return quotes with very little delay.
If you would like to start a quote now, click here and find out if lower rates are available in Scottsdale.
The companies shown below are ready to provide free quotes in Arizona. If you want cheap auto insurance in Scottsdale, it’s a good idea that you visit as many as you can to get the most competitive price.
Choosing the best vehicle insurance in Arizona is an important decision
Even though Scottsdale Ranger insurance rates can get expensive, car insurance serves an important purpose.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability protection if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Ford Ranger, almost every bank will force you to buy insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank may insure your Ford at an extremely high rate and make you pay for it.
- Car insurance protects your vehicle and your assets. It will also provide coverage for many types of medical costs incurred in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your car is damaged in a storm or accident, your car insurance policy will pay to repair the damage.
The benefits of buying car insurance definitely exceed the cost, especially for larger claims. But the average American driver is overpaying more than $869 every year so smart consumers compare quotes at every renewal to be sure current rates are still competitive.
Rates and information analytics
The rate table below outlines estimates of coverage prices for Ford Ranger models. Understanding how insurance quotes are calculated can help guide drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $174 | $352 | $308 | $18 | $92 | $944 | $79 |
| Ranger XL SuperCab 2WD | $204 | $352 | $308 | $18 | $92 | $974 | $81 |
| Ranger XLT 2WD | $204 | $352 | $308 | $18 | $92 | $974 | $81 |
| Ranger XL 2WD | $204 | $352 | $308 | $18 | $92 | $974 | $81 |
| Ranger XL SuperCab 4WD | $204 | $352 | $308 | $18 | $92 | $974 | $81 |
| Ranger XLT SuperCab 2WD | $204 | $428 | $308 | $18 | $92 | $1,050 | $88 |
| Ranger Sport SuperCab 2WD | $204 | $428 | $308 | $18 | $92 | $1,050 | $88 |
| Ranger Sport SuperCab 4WD | $204 | $428 | $308 | $18 | $92 | $1,050 | $88 |
| Ranger XLT SuperCab 4WD | $204 | $428 | $308 | $18 | $92 | $1,050 | $88 |
| Ranger Sport SuperCab 2WD | $204 | $428 | $308 | $18 | $92 | $1,050 | $88 |
| Ranger XLT SuperCab 2WD | $204 | $428 | $308 | $18 | $92 | $1,050 | $88 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price estimates do not factor in specific Scottsdale garaging location which can impact auto insurance rates considerably.
Policy deductible comparison
When buying insurance, a common question is how high or low should comp and collision deductibles be. The tables below can help show the cost difference when you choose different physical damage coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $192 | $382 | $300 | $18 | $90 | $1,007 | $84 |
| Ranger XL SuperCab 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Ranger XLT 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Ranger XL 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Ranger XL SuperCab 4WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Ranger XLT SuperCab 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Ranger Sport SuperCab 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Ranger Sport SuperCab 4WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Ranger XLT SuperCab 4WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Ranger Sport SuperCab 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Ranger XLT SuperCab 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $106 | $202 | $300 | $18 | $90 | $716 | $60 |
| Ranger XL SuperCab 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Ranger XLT 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Ranger XL 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Ranger XL SuperCab 4WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Ranger XLT SuperCab 2WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Ranger Sport SuperCab 2WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Ranger Sport SuperCab 4WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Ranger XLT SuperCab 4WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Ranger Sport SuperCab 2WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Ranger XLT SuperCab 2WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price information does not factor in specific garaging location which can impact premium rates considerably.
Based on the figures above, using a $100 deductible costs an average of $28 more each month or $336 every year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 32 months between claims, you would probably come out ahead going with the higher deductible.
How to calculate deductible break even point
| Average monthly premium for $100 deductibles: | $91 |
| Average monthly premium for $1,000 deductibles (subtract): | – $63 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 32 months |
The chart below demonstrates how deductible levels and can impact Ford Ranger insurance premiums for each different age group. The rates are based on a single male driver, comp and collision included, and no additional discounts are factored in.
How accidents and tickets impact rates in Scottsdale
The example below demonstrates how citations and at-fault claims can affect Ford Ranger insurance rates for different categories of driver ages. The information is based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
Ford Ranger full coverage rates compared to liability only
The diagram below compares Ford Ranger auto insurance rates when comparing full coverage to liability only. The information is based on no accidents or driving violations, $100 deductibles, drivers are single, and no policy discounts are applied.
When to stop buying physical damage coverage
There is no set rule to delete physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s say your Ford Ranger settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your deductible. If you are currently paying more than $700 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some cases where removing full coverage is not a good idea. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Affordable Scottsdale insurance rates with discounts
Insurance is easily one of your largest bills, but there may be some discounts that you may not even be aware of. Many of these discounts will be applied automatically at quote time, but a few must be asked for before being credited.
- Renewal Discounts – Some insurance companies give discounts for buying a new policy before your current expiration date. This discount can save up to 10%.
- Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction with certain companies.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
- Bundled Policy Discount – If you have multiple policies with the same company they may give you a discount of over 10 percent off each policy depending on the company.
- Auto/Life Discount – If the company offers life insurance, you could get lower prices if you buy auto and life insurance together.
- Driver’s Education for Students – Have your child participate in a local driver’s education class if offered at their school.
- Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts of more than 20%.
We need to note that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So even though you would think it’s possible to get free car insurance, you’re out of luck.
The information below compares Ford Ranger yearly insurance costs with and without some available policy discounts. The premiums are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, claim-free, marriage, and homeowner discounts applied.
A partial list of companies who may offer these benefits possibly include:
When quoting, ask every prospective company to give you their best rates. Some discounts listed above may not apply to policies in every state. To find insurers that offer some of these discounts in Arizona, click here to view.
Insurance agents are trained to help
Some consumers would rather go talk to an agent and doing that can be a smart decision A nice benefit of price shopping on the web is the fact that drivers can get lower rates and also buy local. And buying from local agents is still important in Scottsdale.
Once you complete this quick form, your information is sent to local insurance agents in Scottsdale that can provide free Scottsdale auto insurance quotes to get your business. You won’t even need to drive around because quoted prices will be sent to you directly. You can find the lowest rates without requiring a lot of work. In the event you want to get a comparison quote for a specific company, you just need to find their quoting web page and fill out the quote form the provide.
Compare rates from both independent and exclusive auto insurance agents
If you are searching for local Scottsdale agents, it’s helpful to know the types of insurance agents and how they work. Auto insurance policy providers can be described as either independent or exclusive.
Independent Agents (or Brokers)
These agents are not employed by any specific company and that enables them to quote your coverage through many different auto insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier which requires no work on your part.
When comparison shopping, you absolutely need to get quotes from multiple independent agents to get the most accurate price comparison. Most independent agents also contract with companies you’ve never heard of that may have much lower rates than larger companies.
Below are Scottsdale independent insurance agents that may be able to provide cheap rate quotes.
- Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 – View Map - Arizona Insurance Services
7950 E Acoma Dr # 205 – Scottsdale, AZ 85260 – (480) 778-9700 – View Map - Hartford Insurance Agent
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map
Exclusive Auto Insurance Agents
Agents that elect to be exclusive have only one company to place business with such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare rates from other companies so you might not find the best rates. Exclusive agencies receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes buy insurance from these agents primarily because of high brand loyalty rather than having low rates.
Below are exclusive insurance agents in Scottsdale that are able to give price quotes.
- Brandon Mueller – State Farm Insurance Agent
6149 N Scottsdale Rd #106 – Scottsdale, AZ 85250 – (480) 991-0119 – View Map - Dwayne Aaron – State Farm Insurance Agent
14555 N Scottsdale Rd #120 – Scottsdale, AZ 85254 – (480) 948-2005 – View Map - Roz Bankston – State Farm Insurance Agent
6900 E Camelback Rd #820 – Scottsdale, AZ 85251 – (480) 897-6500 – View Map
Choosing the best insurance agency should depend on more than just the quoted price. A good agent in Scottsdale will have answers to these questions.
- Does the agent recommend any additional coverage?
- Will they take your side in the event of a claim?
- How experienced are they in personal risk management?
- What will you get paid if your car is a total loss? How is that amount determined?
- Are they properly licensed to sell insurance in Arizona?
- Will the quote change when the policy is issued?
- What are their preferred companies if they are an independent agency?
- Which insurance company do they prefer to write with?
Which is the best car insurance?
When quoting and comparing coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different and your car insurance should unique, too.
Here are some questions about coverages that could help you determine whether or not you may require specific advice.
- Who is covered when they drive my Ford Ranger?
- Is my nanny covered when driving my vehicle?
- Will damage be repaired with OEM parts?
- Are my custom wheels covered?
- Do I need rental car coverage?
- Should I have a commercial auto policy?
- Is motorclub coverage worth it?
- Am I covered while delivering pizza?
- Do I have coverage if I rent a car in Mexico?
- Should I sign the liability waiver when renting a car?
If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.
Best car insurance in Arizona
Buying coverage from the highest-rated company is difficult considering how many choices there are in Scottsdale. The company ratings shown next could help you choose which car insurance companies to look at when comparing rate quotes.
Top 10 Scottsdale Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Cheap insurance is out there
We just showed you many ideas to find lower-cost Ford Ranger insurance in Scottsdale. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding the cheapest Ford Ranger rate quotes. You may even find the lowest premium rates come from a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.
Cheaper insurance in Scottsdale is definitely available online as well as from independent agents in Scottsdale, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online rate quotes and many times these small insurance companies provide coverage only through local independent agencies.
Even more information can be found in these articles:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Quotes for Low Mileage Drivers in Scottsdale? (FAQ)
- How Much are Auto Insurance Rates for a Nissan Rogue in Scottsdale? (FAQ)
- What Insurance is Cheapest for a Ford Focus in Scottsdale? (FAQ)
- Who Has Cheap Scottsdale Car Insurance Quotes for Teenage Males? (FAQ)
- Who Has Affordable Auto Insurance Rates for Seniors in Scottsdale? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)