If you want to save money, the best way to get the cheapest Ford Ranger insurance is to start doing an annual price comparison from companies in Pittsburgh.
First, try to learn about how companies set rates and the measures you can control to prevent rate increases. Many policy risk factors that are responsible for high rates such as at-fault accidents, speeding tickets, and poor credit history can be remedied by being financially responsible and driving safely.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or State Farm, while independent agencies can provide price quotes from multiple companies.
Third, compare the price quotes to your current policy premium to see if a cheaper price is available. If you find better rates and change companies, ensure coverage does not lapse between policies.
Fourth, provide written notification to your current company to cancel your existing policy. Submit payment and a completed application to the new company. Immediately put the new proof of insurance certificate with your registration paperwork.
A tip to remember is that you’ll want to make sure you compare similar deductibles and liability limits on each price quote and to quote with as many companies as possible. Doing this provides the most accurate price comparison and and a good selection of different prices.
It’s safe to conclude that auto insurance companies don’t want you to look for a cheaper policy. Consumers who shop around will, in all likelihood, switch auto insurance companies because of the good chance of finding more affordable rates. A recent survey discovered that people who routinely shopped for cheaper coverage saved approximately $3,400 over four years compared to drivers who don’t make a habit of comparing rates.
If finding the lowest price for Ford Ranger insurance is your ultimate target, then having a grasp of the best ways to shop for insurance coverage can help you succeed in finding affordable rates.
To find the best auto insurance rates, there are several ways to get quotes from different companies. By far the easiest way to find competitive insurance rates consists of shopping online. Keep in mind that quoting more helps locate lower pricing. Some insurance companies are not set up to provide rate quotes online, so it’s recommended that you also compare price estimates from the smaller companies as well.
The companies in the list below can provide quotes in Pennsylvania. To locate the best car insurance in Pittsburgh, PA, it’s highly recommended you compare several of them to get a more complete price comparison.
Lower-cost Pittsburgh auto insurance rates with discounts
Auto insurance is neither fun to buy or cheap, but there are discounts available that can drop the cost substantially. Many discounts should be triggered when you quote, but occasionally some discounts must be specially asked for before being credited.
- Pay Now and Pay Less – By paying your entire bill at once as opposed to paying monthly you can avoid monthly service charges.
- Low Mileage Discounts – Driving less can earn cheaper auto insurance rates.
- Driver’s Ed – Have your child successfully take a driver’s education course as it can save substantially.
- Paperless Signup – Some companies will give you a small discount for completing your application online.
- Multi-policy Discount – When you combine your auto and home insurance with the same company you may save 10% to 20% off each policy.
- Resident Student – Kids who are enrolled in a college that is more than 100 miles from Pittsburgh and leave their car at home may be able to be covered for less.
- Multiple Cars – Purchasing coverage when you have more than one vehicle with the same company can reduce rates for all insured vehicles.
Please keep in mind that most discount credits are not given to the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way.
The example below shows the difference between Ford Ranger insurance costs with and without discounts applied to the premium. The information is based on a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, multi-car, safe-driver, and homeowner discounts applied.
A few of the larger companies and a selection of discounts are included below.
- Esurance offers discounts including safety device, good student, online quote, claim free, and good driver.
- The Hartford has discounts for good student, driver training, vehicle fuel type, anti-theft, air bag, defensive driver, and bundle.
- AAA may include discounts for education and occupation, good student, anti-theft, multi-policy, and multi-car.
- GEICO policyholders can earn discounts including anti-lock brakes, military active duty, federal employee, daytime running lights, and anti-theft.
- State Farm includes discounts for driver’s education, student away at school, defensive driving training, passive restraint, safe vehicle, accident-free, and good student.
When comparing rates, check with each insurance company which discounts can lower your rates. Some discounts listed above might not be offered on policies in every state. To choose companies that offer discounts in Pittsburgh, click here to view.
Coverage statistics and figures
The coverage table displayed next outlines a range of insurance premium costs for Ford Ranger models. Having a better understanding of how rate quotes are calculated can help customers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $162 | $362 | $372 | $22 | $112 | $1,030 | $86 |
| Ranger XL SuperCab 2WD | $190 | $362 | $372 | $22 | $112 | $1,058 | $88 |
| Ranger XLT 2WD | $190 | $362 | $372 | $22 | $112 | $1,058 | $88 |
| Ranger XL 2WD | $190 | $362 | $372 | $22 | $112 | $1,058 | $88 |
| Ranger XL SuperCab 4WD | $190 | $362 | $372 | $22 | $112 | $1,058 | $88 |
| Ranger XLT SuperCab 2WD | $190 | $442 | $372 | $22 | $112 | $1,138 | $95 |
| Ranger Sport SuperCab 2WD | $190 | $442 | $372 | $22 | $112 | $1,138 | $95 |
| Ranger Sport SuperCab 4WD | $190 | $442 | $372 | $22 | $112 | $1,138 | $95 |
| Ranger XLT SuperCab 4WD | $190 | $442 | $372 | $22 | $112 | $1,138 | $95 |
| Ranger Sport SuperCab 2WD | $190 | $442 | $372 | $22 | $112 | $1,138 | $95 |
| Ranger XLT SuperCab 2WD | $190 | $442 | $372 | $22 | $112 | $1,138 | $95 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can influence auto insurance rates noticeably.
Comparison of policy deductibles
One frequently asked question is at what level do you set your deductibles. The following tables determine how much more you’ll pay when you buy lower versus higher coverage deductibles. The first table uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $188 | $352 | $330 | $20 | $98 | $1,013 | $84 |
| Ranger XL SuperCab 2WD | $222 | $352 | $330 | $20 | $98 | $1,047 | $87 |
| Ranger XLT 2WD | $222 | $352 | $330 | $20 | $98 | $1,047 | $87 |
| Ranger XL 2WD | $222 | $352 | $330 | $20 | $98 | $1,047 | $87 |
| Ranger XL SuperCab 4WD | $222 | $352 | $330 | $20 | $98 | $1,047 | $87 |
| Ranger XLT SuperCab 2WD | $222 | $428 | $330 | $20 | $98 | $1,123 | $94 |
| Ranger Sport SuperCab 2WD | $222 | $428 | $330 | $20 | $98 | $1,123 | $94 |
| Ranger Sport SuperCab 4WD | $222 | $428 | $330 | $20 | $98 | $1,123 | $94 |
| Ranger XLT SuperCab 4WD | $222 | $428 | $330 | $20 | $98 | $1,123 | $94 |
| Ranger Sport SuperCab 2WD | $222 | $428 | $330 | $20 | $98 | $1,123 | $94 |
| Ranger XLT SuperCab 2WD | $222 | $428 | $330 | $20 | $98 | $1,123 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $154 | $284 | $330 | $20 | $98 | $886 | $74 |
| Ranger XL SuperCab 2WD | $180 | $284 | $330 | $20 | $98 | $912 | $76 |
| Ranger XLT 2WD | $180 | $284 | $330 | $20 | $98 | $912 | $76 |
| Ranger XL 2WD | $180 | $284 | $330 | $20 | $98 | $912 | $76 |
| Ranger XL SuperCab 4WD | $180 | $284 | $330 | $20 | $98 | $912 | $76 |
| Ranger XLT SuperCab 2WD | $180 | $346 | $330 | $20 | $98 | $974 | $81 |
| Ranger Sport SuperCab 2WD | $180 | $346 | $330 | $20 | $98 | $974 | $81 |
| Ranger Sport SuperCab 4WD | $180 | $346 | $330 | $20 | $98 | $974 | $81 |
| Ranger XLT SuperCab 4WD | $180 | $346 | $330 | $20 | $98 | $974 | $81 |
| Ranger Sport SuperCab 2WD | $180 | $346 | $330 | $20 | $98 | $974 | $81 |
| Ranger XLT SuperCab 2WD | $180 | $346 | $330 | $20 | $98 | $974 | $81 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium costs do not factor in specific zip code location which can decrease or increase premiums noticeably.
Based on these figures, using a $250 deductible would cost the average driver about $12 more each month or $144 each year across all Ford Ranger models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at least 21 months between claim filings, you would probably be better off by selecting a higher deductible.
The example below highlights how deductible selection and can increase or decrease Ford Ranger insurance costs for each age group. The premiums assume a single male driver, full physical damage coverage, and no discounts are factored in.
Do you need full coverage?
The chart below illustrates the comparison of Ford Ranger insurance costs when comparing full coverage to state minimum liability only. The costs are based on no violations or accidents, $250 deductibles, single status, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There is no set rule to exclude comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s say your Ford Ranger replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after paying your deductible. If it’s costing in excess of $400 a year to have full coverage, then you may need to consider dropping full coverage.
There are a few cases where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.
Get Cheap Auto Insurance with These Tips
Multiple criteria are considered when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, although some other factors are not as apparent like your continuous coverage or how safe your car is. Part of the auto insurance buying process is learning some of the things that aid in calculating auto insurance rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can help you get much lower annual insurance costs.
Shown below are some of the items companies use to determine your prices.
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Premiums are high for teenagers – Mature drivers tend to be more responsible, statistically cause fewer accidents, and are safer drivers. Teenage drivers tend to get distracted easily when driving with friends and because of this, their auto insurance rates are much higher.
The data below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
- Credit rating impacts premium rates – Having a good credit rating is a big factor in determining what you pay for auto insurance. Drivers who have excellent credit scores tend to file fewer claims than drivers who have lower credit ratings. So if your credit rating can be improved, you could pay less to insure your Ford Ranger if you improve your credit rating.
- Combine policies and save money – Most larger companies afford better rates to clients who buy several policies from them such as combining an auto and homeowners policy. Even if you qualify for this discount already, it’s in your best interest to compare other Pittsburgh Ranger insurance rates to ensure the best deal.
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The type of vehicle you drive affects your premiums – The type of vehicle you own makes a substantial difference in the rate you pay. The most favorable rates are generally reserved for lower performance four cylinder passenger vehicles, but many other things help determine your insurance rates.
The following data uses these assumptions: single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It shows Ford Ranger insurance rates compared to other models that have a range of performance risks.
Shop online but buy locally
A lot of people still prefer to have an agent’s advice and that is recommended in a lot of cases A good thing about getting free rate quotes online is you can get better rates and still have an agent to talk to.
Once you complete this simple form, the coverage information is transmitted to local insurance agents in Pittsburgh who want to provide quotes to get your business. It simplifies rate comparisons since you won’t have to contact any insurance agencies because prices are sent to the email address you provide. You can find lower rates and an insurance agent to talk to. If you wish to get a price quote from one company in particular, don’t hesitate to search and find their rate quote page and give them your coverage information.
Choosing a company shouldn’t rely on just a low price. These are valid questions to ask:
- Does the agency have a good rating with the Better Business Bureau?
- What will you get paid if your car is a total loss? How is that amount determined?
- Can glass claims be handled at your home?
- Are you getting all the discounts the company offers?
- Can you get a list of referrals?
Exclusive and independent Pittsburgh car insurance agents
If you’re trying to find a reliable agent, there are two different agency structures and how they are slightly different. Agents are classified as either independent or exclusive depending on the company they work for.
Exclusive Agencies
Agents in the exclusive channel write business for a single company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to provide other company’s prices so it’s a take it or leave it situation. They are highly trained on sales techniques which helps overcome the inability to quote other rates. Consumers sometimes use the same exclusive agent partially due to the brand legacy and the convenience of having all coverages with one company.
Listed below are exclusive insurance agents in Pittsburgh who can help you get rate quotes.
- Darla Zeli – State Farm Insurance Agent
2513 E Carson St – Pittsburgh, PA 15203 – (412) 431-7166 – View Map - GEICO Insurance Agent
9026 St Simon Way – Pittsburgh, PA 15237 – (412) 364-7170 – View Map - Paul Lukitsch – State Farm Insurance Agent
200 Fleet St #100 – Pittsburgh, PA 15220 – (412) 921-2008 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent often have many company appointments and that enables them to quote your coverage through lots of different companies and help determine which has the cheapest rates. If you want to switch companies, your agent can switch companies and you don’t have to do anything.
When comparing rates, you definitely need to compare quotes from multiple independent agents for the best price selection. Many write coverage with mutual insurance companies that many times have cheaper rates.
The following are Pittsburgh independent agents that are able to give comparison quotes.
- Insurance Consultants Of Pittsburgh
300 Mt Lebanon Blvd – Pittsburgh, PA 15234 – (412) 344-2800 – View Map - Nalley Insurance Agency LLC
3349 Babcock Blvd – Pittsburgh, PA 15237 – (412) 366-5223 – View Map - Liberty Insurance Agency
1910 Cochran Rd #800 – Pittsburgh, PA 15220 – (412) 571-5700 – View Map
Which car insurance company is best in Pennsylvania?
Choosing a good quality company can be a challenge considering how many companies there are in Pennsylvania. The ranking data in the next section could help you analyze which insurers you want to consider when comparing rate quotes.
Top 10 Pittsburgh Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
- Progressive
Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
Cheap car insurance rates are possible
Lower-priced car insurance in Pittsburgh is definitely available on the web in addition to many Pittsburgh insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get quotes online and most of the time these regional carriers only sell through independent agencies.
As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at the best cost while still protecting your assets.
You just learned a lot of tips how to compare Ford Ranger insurance auto insurance rates in Pittsburgh. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable Ford Ranger insurance quotes. You may even discover the lowest auto insurance rates come from a small mutual company.
To read more, feel free to browse the articles below:
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance Rates for Teachers in Pittsburgh? (FAQ)
- Who Has Cheap Car Insurance for a Nissan Sentra in Pittsburgh? (FAQ)
- What Insurance is Cheapest for a GMC Sierra in Pittsburgh? (FAQ)
- Safety Features for Your New Car (State Farm)
- Teen Driving Statistics (GEICO)
- Your Car has been Stolen: Now What? (Allstate)