If you want to save money, the best way to get the cheapest Ford Ranger insurance is to compare prices annually from companies in Irvine.
Step 1: It will benefit you to learn about policy coverages and the steps you can take to prevent expensive coverage. Many factors that cause rate increases such as accidents, careless driving, and an imperfect credit rating can be amended by making minor driving habit or lifestyle changes. Keep reading for ideas to help prevent high rates and find available discounts that you may qualify for.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive and State Farm, while independent agents can provide prices for a wide range of companies.
Step 3: Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
One thing to remember is to use the same level of coverage on each price quote and and to get rates from as many different insurance providers as possible. Doing this guarantees a fair price comparison and the most accurate and complete price analysis.
Shocking but true, over 70% of drivers renewed their policy with the same company for at least four years, and almost 40% of drivers have never taken the time to shop around. Many drivers in Irvine can cut their rates by $470 a year just by getting comparison quotes, but they won’t spend time to find lower-cost insurance by shopping around.
If you have coverage now, you will be able to shop for the lowest rates using these techniques. Shopping around for the lowest cost insurance in Irvine is easy to do. Although California car owners can benefit by having an understanding of how insurance companies sell online.
Companies offering Ford Ranger insurance in Irvine
The providers in the list below are ready to provide comparison quotes in California. In order to find the best cheap auto insurance in California, we recommend you visit several of them to find the lowest auto insurance rates.
Rates and data analysis
The information below showcases different insurance policy prices for Ford Ranger models. Having a good understanding how insurance prices are established can aid in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $156 | $298 | $442 | $26 | $132 | $1,054 | $88 |
| Ranger XL SuperCab 2WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Ranger XLT 2WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Ranger XL 2WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Ranger XL SuperCab 4WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Ranger XLT SuperCab 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Ranger Sport SuperCab 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Ranger Sport SuperCab 4WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Ranger XLT SuperCab 4WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Ranger Sport SuperCab 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Ranger XLT SuperCab 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Table data does not factor in specific garaging location which can increase or decrease insurance rates noticeably.
Deductible comparison
One common question asked by Irvine drivers is how high or low should comp and collision deductibles be. The comparison tables below highlight the differences in premium rates when you buy lower versus higher coverage deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $282 | $564 | $442 | $26 | $132 | $1,471 | $123 |
| Ranger XL SuperCab 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Ranger XLT 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Ranger XL 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Ranger XL SuperCab 4WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Ranger XLT SuperCab 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Ranger Sport SuperCab 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Ranger Sport SuperCab 4WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Ranger XLT SuperCab 4WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Ranger Sport SuperCab 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Ranger XLT SuperCab 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $156 | $298 | $442 | $26 | $132 | $1,054 | $88 |
| Ranger XL SuperCab 2WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Ranger XLT 2WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Ranger XL 2WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Ranger XL SuperCab 4WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Ranger XLT SuperCab 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Ranger Sport SuperCab 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Ranger Sport SuperCab 4WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Ranger XLT SuperCab 4WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Ranger Sport SuperCab 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Ranger XLT SuperCab 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in vehicle garaging location which can affect premiums considerably.
Based on these figures, using a $100 deductible could cost the average driver approximately $39 more each month or $468 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 23 months between claim filings, you would probably save some money if you elect the higher deductible. The table below illustrates the way you can come to your own conclusion.
| Average monthly premium for $100 deductibles: | $132 |
| Average monthly premium for $1,000 deductibles (subtract): | – $93 |
| Monthly savings from raising deductible: | $39 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $39 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
An important sidenote is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket when you do file a claim. You must have some non-essential savings in the event you have to pay the deductible to have repairs made.
Rate difference between full and liability-only coverage
The information below illustrates the comparison of Ford Ranger insurance rates when comparing full coverage to state minimum liability only. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.
Should you buy full coverage or liability only?
There is no clear-cut formula of when to eliminate physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s say your Ford Ranger settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after you pay the deductible. If you are paying over $600 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some circumstances where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Discounts mean cheaper rates for Ford Ranger insurance in Irvine
Buying auto insurance is not cheap, but there could be significant discounts to reduce the price significantly. Most are applied when you complete an application, but once in a while a discount must be inquired about before being credited.
- Senior Discount – Drivers that qualify as senior citizens may receive a small discount on rates.
- Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
- Student Discounts – Maintaining excellent grades may save as much as 25% on a Irvine car insurance quote. The discount lasts until age 25.
- Distant Student – Any of your kids who attend college more than 100 miles from Irvine and won’t have access to an insured vehicle can receive lower rates.
- No Claims – Insureds with no claims or accidents can earn big discounts when compared to bad drivers.
As a sidenote, most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.
The diagram below compares Ford Ranger insurance premiums with and without policy discounts. The premium estimates are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, multi-car, marriage, and safe-driver discounts applied.
To find companies with the best discounts in Irvine, click here to view.
Car insurance agents can help
Many drivers would prefer to talk to an insurance agent. The biggest benefit of comparing auto insurance online is that drivers can save money and get cheap auto insurance rates but also keep your business local. And providing support for local agents is still important in Irvine.
After completing this form (opens in new window), the coverage information is immediately sent to local insurance agents in Irvine who will give you quotes for your business. You don’t have to do any legwork since price quotes are sent to you directly. It’s the lowest rates and a licensed agent to talk to. If you want to get a rate quote for a specific company, you would need to visit that company’s website and fill out the quote form the provide.
Pick the best auto insurance agent in Irvine for you
When looking for an insurance agent, it helps to know the two different types of agents and how they can service your needs differently. Agents can be described as either exclusive or independent (non-exclusive).
Independent Insurance Agents
These agents often have many company appointments and that enables them to quote your coverage with many different companies and find the cheapest rate. If your premiums go up, they simply move your policy to a different company and you stay with the same agent. When comparing rates, it’s a good idea to compare quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. They often place coverage with mutual insurance companies which can be an advantage.
The following are independent insurance agencies in Irvine that may be able to give free auto insurance rate quotes.
- KCAL Insurance Agency (Irvine)
14795 Jeffrey Rd – Irvine, CA 92618 – (949) 786-6888 – View Map - First American Property and Casualty Insurance Agency, Inc.
24 Executive Park Suite 250 – Irvine, CA 92614 – (888) 546-5118 – View Map - Wells Fargo Insurance Services: Harper James
2030 Main St #700 – Irvine, CA 92614 – (949) 358-6100 – View Map
Exclusive Auto Insurance Agents
Agents in the exclusive channel have only one company to place business with and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. These agents are highly trained on the products they sell which aids in selling service over price. Some insured continue to buy from exclusive agents mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.
Shown below are Irvine exclusive agencies that are able to give price quotes.
- Ken LaTourette – State Farm Insurance Agent
1032 Irvine Blvd – Tustin, CA 92780 – (714) 544-3779 – View Map - State Farm Insurance Agent: Kevin Chhiv
2101 Business Center Dr Suite 110 – Irvine, CA 92612 – (949) 202-0338 – View Map - Farmers Insurance – Berdy Gonzalez-Lubnau
41 Corporate Park #240 – Irvine, CA 92606 – (714) 263-2623 – View Map
Choosing an insurance agent requires you to look at more than just a low price. The answers to these questions are important, too.
- Does the company allow you to choose your own collision repair facility?
- How are they compensated?
- Do they write coverage based solely on cost?
- Will you get a loaner vehicle if you car is being repaired?
- Are there any extra charges for paying monthly?
- Will the quote change when the policy is issued?
- What insurance companies do they work with in Irvine?
Persistence is the key to affordable rates
There are still a few companies who do not offer online rate quotes and these regional carriers only sell coverage through local independent agencies. Cheap Ford Ranger insurance in Irvine is possible on the web and from local agencies, and you need to price shop both to get a complete price analysis.
When you buy Irvine car insurance online, do not buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability limits or collision coverage only to discover later that it was a big mistake. Your strategy should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.
We’ve covered some good ideas how to save on Ford Ranger insurance in Irvine. The key concept to understand is the more times you quote, the higher your chance of finding cheaper Irvine car insurance quotes. You may even be surprised to find that the best price on auto insurance is with some of the lesser-known companies.
Additional auto insurance information can be found below:
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has Cheap Auto Insurance Rates for a Company Car in Irvine? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers with Bad Credit in Irvine? (FAQ)
- Who Has Cheap Auto Insurance for a Ford Explorer in Irvine? (FAQ)
- Who Has the Cheapest Irvine Car Insurance Rates for Police Officers? (FAQ)
- What is Full Coverage? (Allstate)
- Medical Payments Coverage (Liberty Mutual)
- How to shop for a safer car (Insurance Institute for Highway Safety)