Car Insurance Quotes for a Ford Ranger in Omaha

Locating better insurance prices for a Ford Ranger in Nebraska could be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to compare insurance rates so you’re going to learn the quickest way to get price quotes for a new or used Ford and get the lowest price from both online companies and Omaha agents.

Astonishing but true, a large majority of insurance policyholders kept buying from the same company for four years or more, and virtually 40% of consumers have never quoted insurance rates at all. Many consumers in Nebraska could save an average of nearly $388 each year by just shopping around, but they feel it’s too difficult to find cheap insurance rates.

It’s a good habit to check insurance prices yearly because insurance prices change quite often. Even if you got the best price on Ford Ranger insurance in Omaha on your last policy there may be better deals available now. Forget all the misinformation about insurance because you’re going to learn the best way to save on insurance.

If you are insured now or just want cheaper rates, you can follow these tips to get lower rates without reducing coverage. Finding cheaper auto insurance policy in Omaha is not as confusing as people think. Smart buyers just have to know the tricks to get comparison quotes online.

Getting a low cost price on insurance can be relatively painless. Drivers just need to spend a little time to get quotes to find the company with affordable Omaha auto insurance quotes.

The following companies can provide comparison quotes in Nebraska. In order to find the best cheap auto insurance in Omaha, we recommend you visit two to three different companies to get a more complete price comparison.

Take policy discounts and save on Ford Ranger insurance in Omaha

Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so the following list contains both well-publicized and also the more inconspicuous credits that may apply to you.

• Resident Student – Any of your kids living away from Omaha attending college and leave their car at home may qualify for this discount.
• Bundled Policy Discount – When you have multiple policies with the same company you may save up to 20% off your total Ranger insurance premium.
• Theft Deterrent – Cars and trucks that have factory anti-theft systems are stolen less frequently and earn discounts up to 10% off your Omaha auto insurance quote.
• Savings for New Vehicles – Putting insurance coverage on a new Ranger can get you a discount compared to insuring an older model.
• Low Mileage Discounts – Low annual miles may allow you to get slightly better prices than normal.

Remember that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you could get a free insurance policy, you won’t be that lucky.

The information below shows the comparison of Ford Ranger car insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, a clean driving record, no claims, Nebraska state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, safe-driver, homeowner, and multi-car discounts applied.

A list of insurance companies and the discounts they provide are outlined below.

• Esurance may have discounts that include good student, emergency road assistance, online quote, Switch & Save, multi-car, and homeowner.
• The Hartford discounts include air bag, bundle, anti-theft, defensive driver, driver training, vehicle fuel type, and good student.
• AAA may include discounts for anti-theft, education and occupation, AAA membership discount, good driver, pay-in-full, multi-car, and good student.
• GEICO includes discounts for daytime running lights, federal employee, defensive driver, emergency military deployment, membership and employees, and seat belt use.
• State Farm may offer discounts for good student, anti-theft, safe vehicle, Steer Clear safe driver discount, and accident-free.

Check with every prospective company to apply every possible discount. Some discounts listed above may not apply to policies in your area.

Rates and data analysis

The price information displayed next showcases estimates of policy rates for Ford Ranger models. Having a better idea how policy rates are formulated can help you make smart choices when selecting a coverage provider.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in Omaha location which can change insurance rates noticeably.

Choosing deductibles

One frequently asked question is where should you set your physical damage deductibles. The comparisons below can help you visualize the rate differences when you select higher and lower physical damage coverage deductibles. The first data table uses a $250 physical damage deductible and the second price table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific garaging location which can increase or decrease auto insurance rates considerably.

Based on the above data, using a $250 deductible will cost in the ballpark of $10 more each month or $120 annually across all Ford Ranger models than choosing the higher $500 deductible. Because you 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 a minimum 25 months between claim filings, you would come out ahead by selecting a higher deductible.

The chart below shows how different deductible levels and can influence Ford Ranger premium costs for each different age category. The rates are based on a single female driver, full coverage, and no discounts are taken into consideration.

Rate comparison of full coverage and liability-only

The diagram below visualizes the comparison of Ford Ranger annual premium costs with and without physical damage coverage. The prices are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no discounts are applied.

When to drop comp and collision

There is no definitive guideline to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s assume your Ford Ranger settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying your deductible. If you are paying more than $200 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few cases where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Omaha Insurance Prices are Influenced by These Factors

Consumers need to have an understanding of some of the things that help calculate the price you pay for insurance. If you have a feel for what impacts premium levels, this allows you to make educated decisions that may result in lower rates. Lots of things are used in the calculation when pricing auto insurance. Most are fairly basic like your driving record, although some other factors are not quite as obvious like where you live or how financially stable you are.

The list below includes some of the factors used by companies to determine your rates.

Age of drivers – Drivers with little experience are proven to get distracted easily behind the wheel therefore insurance rates are much higher. More mature drivers tend to be more responsible, are lower risk to insure, and get fewer tickets.

The data below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

Does insurance cost less for women? – Over time, data shows that females take fewer risks when driving. However, don’t assume that men are worse drivers. Both sexes have accidents at about the same rate, but the males have costlier accidents. Men also tend to receive more costly citations such as DWI and reckless driving.

The diagram below shows the comparison of Ford Ranger insurance premiums for male and female drivers. The data is based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Insurance rates are higher for high performance vehicles – The make and model of the car you need to insure makes a huge difference in your rates. The lowest rates are usually found on economy passenger cars, but many other things help determine your insurance rates.

The following chart uses these assumptions: married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares Ford Ranger insurance premiums compared to other vehicles that have a range of performance rating factors.

A coverage lapse is a bad thing – Driving without insurance can get you a ticket and you may have a hard time finding new coverage because you let your insurance lapse. And not only will your rates increase, getting caught without coverage can result in a steep fine or even jail time.