Ford Ranger Insurance Rate Quotes in Houston

Are you sick of overpaying and want lower-priced insurance rates in Houston, TX? Houston drivers have many options when trying to find affordable Ford Ranger insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to find the lowest rates. There are both good and bad ways to compare insurance rates and you need to know the proper way to compare rates for your Ford and obtain the lowest possible price either online or from Houston insurance agents.

Consumers need to get comparison quotes every six months since prices fluctuate regularly. Just because you had the best quotes on Ford Ranger insurance in Houston last year a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re about to find out the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

Cheapest companies for Ford Ranger insurance in Texas

The following companies are ready to provide price quotes in Houston, TX. If multiple companies are listed, we suggest you visit two to three different companies in order to find the cheapest rates.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Information does not factor in specific zip code location which can increase or decrease rates greatly.

Insurance premiums for males and females

The diagram below shows the difference between Ford Ranger car insurance rates for male and female drivers. The costs are based on a clean driving record, no claims, comp and collision included, $250 deductibles, drivers are single, and no discounts are taken into consideration.

An analysis of deductible level

One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The rates below summarize the rate difference of buying low and high deductibles. The first data set uses a $250 deductible for physical damage and the second price table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in zip code location which can modify premiums noticeably.

We can estimate from the data above that using a $250 deductible will cost you roughly $13 more each month or $156 each year than buying the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 19 months between claim filings, you would save more money going with the higher deductible.

Analysis of deductible levels

The information below shows how choosing a deductible and can change Ford Ranger annual premium costs for different age groups of insureds. The price estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.

Get cheaper rates by applying discounts

Some providers don’t necessarily list every available discount in an easy-to-find place, so the next list breaks down both well-publicized as well as some of the hidden ways to save on auto insurance.

• Multiple Vehicles – Buying coverage for multiple cars on one policy may reduce the rate for each vehicle.
• Driver’s Ed – Require your teen driver to take driver’s ed class in high school.
• Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially compared to policyholders that have many claims.
• Organization Discounts – Being a member of qualifying clubs or civic groups could earn you a nice discount on your next renewal.
• Senior Citizen Discount – Mature drivers may qualify for reduced rates.
• Savings for New Vehicles – Insuring a new Ranger is cheaper since new vehicles have better safety ratings.
• Multi-policy Discount – If you can combine your auto and home policy and insure them with the same company you will save as much as 10 to 15 percent.
• Defensive Driver Discounts – Successfully completing a defensive driving course is a good idea and can lower rates and easily recoup the cost of the course.

One last thing about discounts, most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Larger auto insurance companies and a partial list of their discounts can be read below.

• State Farm policyholders can earn discounts including passive restraint, safe vehicle, accident-free, driver’s education, good driver, and defensive driving training.
• Nationwide has savings for multi-policy, accident-free, anti-theft, business or organization, defensive driving, and Farm Bureau membership.
• GEICO may have discounts that include multi-vehicle, anti-theft, federal employee, seat belt use, multi-policy, defensive driver, and driver training.
• AAA discounts include multi-policy, anti-theft, good student, multi-car, good driver, education and occupation, and AAA membership discount.
• 21st Century may offer discounts for homeowners, theft prevention, automatic seat belts, 55 and older, and driver training.
• The Hartford offers discounts for good student, vehicle fuel type, air bag, driver training, anti-theft, and bundle.

If you need the cheapest Ford Ranger rate quotes, ask all companies you are considering what discounts are available to you. Some credits might not apply in Houston. To locate providers who offer auto insurance discounts in Houston, click here to view.

Six factors that determine insurance prices

Many factors are used when you get a price on insurance. Some are obvious like a motor vehicle report, but other criteria are not quite as obvious like where you live or how financially stable you are.

• Save money by having responsible credit – Having a bad credit score can be a huge factor in your rate calculation. If your credit rating is low, you could potentially save money when insuring your Ford Ranger by repairing your credit. Consumers who have very good credit scores tend to be more responsible as compared to drivers with lower credit ratings.
• Never let your policy lapse – Having a gap between insurance policy dates will be a sure-fire way to increase your rates. Not only will rates go up, not being able to provide proof of insurance might get you a revoked license or a big fine.
• Rates can be impacted by your employer – Careers such as doctors, business owners and miners usually pay higher premiums than the average policyholder due to intense work requirements and lots of time spent away from family. Other careers like scientists, engineers and retirees receive lower rates.
• Cars with good safety ratings means cheaper insurance – Safer cars tend to have lower insurance rates. Vehicles built for safety reduce injuries and lower injury rates translates into fewer and smaller insurance claims and cheaper rates on your policy.
• Men pay more for insurance coverage – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean females are better at driving than males. Both sexes cause fender benders at a similar rate, but the men have costlier accidents. Men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
• Discounts for alarms and GPS tracking – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft and help bring rates down.

There’s no such thing as the perfect auto insurance policy

When choosing the right insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether you might need professional guidance.

• What is UM/UIM insurance?
• If my Ford Ranger is totaled, can I afford another vehicle?
• Am I covered if I back into my garage door?
• Should I have a commercial auto policy?
• Can my babysitter drive my car?
• Are my friends covered when driving my Ford Ranger?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Shop online but buy locally

A lot of people still prefer to sit down with an agent and that is not a bad decision Insurance agents can help you build your policy and will help you if you have claims. A nice benefit of comparing insurance prices online is the fact that you can find cheap insurance rates and still buy from a local agent.

After completing this short form, the coverage information is sent to local insurance agents who will give you quotes for your coverage. There is no need to find an agent on your own because prices are sent immediately to your email address. If you have a need to compare rates from one company in particular, don’t hesitate to go to their quote page and fill out the quote form the provide.

Finding the right provider requires you to look at more than just a cheap price quote. Any agent in Houston should be forthright in answering these questions:

• Is there a 24/7 contact number?
• Has the agent ever had any license suspensions?
• Are all drivers listed on the coverage quote?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• What are the financial ratings for the companies they represent?
• Which company do they place the most coverage with?

Types of car insurance agents

When searching for a good Houston insurance agent, it helps to know the two different agency structures and how they can service your needs differently. Insurance agents in Houston can be described as either independent or exclusive. Both types of agents can do a good job, but it is a good idea to know the differences because it can impact the kind of agent you use.

Exclusive Insurance Agents

These type of agents can only provide pricing for a single company such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. They are usually quite knowledgeable on sales techniques which helps them sell insurance even at higher premiums. Drivers often buy insurance from these agents mainly due to the prominent brand name and solid financial strength.

Shown below are Houston exclusive agencies who can help you get price quote information.

• Ricky Maique – State Farm Insurance Agent
  8811 Westheimer Rd #205 – Houston, TX 77063 – (713) 781-6132 – View Map
• Lucrecia Jasminoy – State Farm Insurance Agent
  223 Cavalcade St – Houston, TX 77009 – (713) 884-1442 – View Map
• Linda Tuck – State Farm Insurance Agent
  2402 Bay Area Blvd g – Houston, TX 77058 – (281) 488-9050 – View Map

More insurance agents

Independent Insurance Agencies

These agents can quote rates with many companies and that is an advantage because they can write policies with any number of different companies and find the cheapest insurance rates. If premiums increase, they simply switch companies in-house and the insured can keep the same agent. When comparing rates, you definitely need to check rates from at a minimum one independent agency so that you have a good selection of quotes to compare. Most independent agents also contract with smaller companies which can be an advantage.

The following are independent agencies in Houston that are able to give rate quotes.

• Texas Prime Insurance Agency, LLC
  6750 West Loop S #430 – Bellaire, TX 77401 – (713) 750-9000 – View Map
• AAIGOT Insurance Agency Inc.
  6633 Hillcroft St #101 – Houston, TX 77081 – (713) 270-9373 – View Map
• Texas General Insurance Agency
  2500 West Loop S #210 – Houston, TX 77027 – (713) 622-5977 – View Map

More insurance agents

After receiving positive responses to all your questions as well as an affordable premium quote, most likely you have located an auto insurance agent that meets the criteria to adequately provide insurance.

Compare. Compare. Compare.

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where someone dropped uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

We just showed you quite a bit of information on how to find affordable Ford Ranger insurance in Houston. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the best price on car insurance is with a lesser-known regional company.

Consumers switch companies for any number of reasons including lack of trust in their agent, high prices, policy non-renewal and high rates after DUI convictions. Regardless of your reason, finding the right car insurance provider can be easier than you think.

More information is available at the links below

• Can I Drive Legally without Insurance? (Insurance Information Institute)
• How Much is Car Insurance for Retired Military in Houston? (FAQ)
• How Much is Car Insurance for Teachers in Houston? (FAQ)
• Collision Insurance Coverage (Nationwide)
• Airbag FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)