A study showed that the vast majority of consumers kept their coverage with the same car insurance company for four years or more, and practically 40% of car insurance customers have never compared rates with other companies. With the average premium in America being $1,847, drivers can cut their rates by up to 47% a year just by comparing rates, but they just don’t understand the large savings they would see if they bought a different policy.
It takes a little time, but the best way to find cheaper quotes for Ford Ranger insurance in San Francisco is to compare quotes annually from insurance carriers who provide car insurance in California. Drivers can shop around by following these guidelines.
- First, get a basic knowledge of how insurance companies determine prices and the measures you can control to prevent rate increases. Many rating criteria that result in higher rates like tickets, at-fault accidents, and poor credit can be eliminated by making minor changes to your lifestyle. Later in this article we will cover tips to help keep rates affordable and find overlooked discounts.
- Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while agents who are independent can quote rates from multiple sources.
- Third, compare the new rates to your existing rates and determine if there is any savings. If you can save money and change companies, make sure coverage does not lapse between policies.
One key aspect of rate comparisons is that you’ll want to make sure you compare the same liability limits and deductibles on each quote and and to get quotes from as many different companies as possible. This guarantees an accurate price comparison and a thorough selection of prices.
Buying the cheapest auto insurance in San Francisco is not that difficult. If you currently have auto insurance, you stand a good chance to be able to cut your premiums using the techniques presented in this article. Drivers just need to understand the proper methods to compare company rates instantly.
Ford Ranger insurance discounts in San Francisco
Not too many consumers would say car insurance is affordable, but you might already qualify for some discounts that you may not even be aware of. Many discounts should be triggered at the time you complete a quote, but a few must be requested specifically in order for you to get them.
- Telematics Data Discounts – Policyholders that allow data collection to monitor vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they are good drivers.
- No Claim Discounts – Drivers who don’t have accidents get the best car insurance rates as opposed to policyholders that have many claims.
- Discounts for Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease depending on your car insurance provider.
- Waiver for an Accident – This one is not really a discount per se, but companies like GEICO, Progressive, and Allstate may permit one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.
- Drivers Ed for Students – Have your child successfully take a driver’s education course if offered at their school.
- Payment Discounts – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
- Paper-free Discount – A few larger online companies may give you up to $50 for completing your application digitally online.
- Auto/Life Discount – Companies who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
Consumers should know that most credits do not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. Despite the appearance that adding up those discounts means a free policy, you aren’t that lucky.
The example below compares Ford Ranger auto insurance costs with and without discounts. The premium estimates are based on a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, multi-policy, safe-driver, and claim-free discounts applied.
If you would like to choose from a list of insurance companies that offer some of these discounts in San Francisco, click here.
The quickest way to get rate comparisons for Ford Ranger insurance in San Francisco is to take advantage of the fact most of the bigger providers have advanced systems to quote your coverage. The only thing you need to do is provide a little information including if a SR-22 is needed, the year, make and model of vehicles, whether you drive to work or school, and an estimate of your credit level. The rating information is sent automatically to insurance carriers in your area and you receive quotes instantly to find the best rate.
To check Ford Ranger insurance prices now, click here and find out if lower rates are available in San Francisco.
The car insurance companies shown below are ready to provide quotes in California. If multiple providers are shown, it’s a good idea that you visit two to three different companies to get the best price comparison.
Insurance statistics and figures
The information below highlights a range of insurance premium costs for Ford Ranger models. Learning how prices are calculated can help you make smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ranger XL 2WD||$178||$298||$578||$34||$174||$1,262||$105|
|Ranger XL SuperCab 2WD||$210||$298||$578||$34||$174||$1,294||$108|
|Ranger XLT 2WD||$210||$298||$578||$34||$174||$1,294||$108|
|Ranger XL 2WD||$210||$298||$578||$34||$174||$1,294||$108|
|Ranger XL SuperCab 4WD||$210||$298||$578||$34||$174||$1,294||$108|
|Ranger XLT SuperCab 2WD||$210||$362||$578||$34||$174||$1,358||$113|
|Ranger Sport SuperCab 2WD||$210||$362||$578||$34||$174||$1,358||$113|
|Ranger Sport SuperCab 4WD||$210||$362||$578||$34||$174||$1,358||$113|
|Ranger XLT SuperCab 4WD||$210||$362||$578||$34||$174||$1,358||$113|
|Ranger Sport SuperCab 2WD||$210||$362||$578||$34||$174||$1,358||$113|
|Ranger XLT SuperCab 2WD||$210||$362||$578||$34||$174||$1,358||$113|
|Get Your Own Custom Quote Go|
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in vehicle location which can revise prices substantially.
The chart below demonstrates how choosing different deductibles and can impact Ford Ranger yearly insurance costs for different ages of insureds. The premiums assume a married male driver, full coverage, and no discounts are taken into consideration.
Comparison of full coverage and liability-only policies
The example below shows the difference between Ford Ranger annual premium costs with liability coverage only compared to full coverage. The prices are based on no claims or violations, $500 deductibles, marital status is single, and no discounts are factored in.
Should you pay for full coverage?
There is no set guideline of when to phase out physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s assume your Ford Ranger replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the deductible is paid. If you are paying more than $600 annually for physical damage coverage, then you might want to consider buying only liability coverage.
There are a few cases where dropping full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Lower the Price of Auto Insurance with These Tips
Smart consumers have a good feel for the factors that go into determining your policy premiums. If you know what influences your rates, this enables informed choices that may reward you with much lower annual insurance costs. Lots of things are taken into consideration when quoting car insurance. Most are fairly basic such as your driving history, but other criteria are not quite as obvious like your continuous coverage or how financially stable you are.
The itemized list below are a few of the “ingredients” utilized by car insurance companies to help set premiums.
- Liability insurance is cheap – A critical coverage on your policy, liability insurance kicks in if ever a jury decides you are liable for damages caused by your negligence. It will provide you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
Accidents will cost you – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Just one speeding ticket or other violation may cause rates to rise by as much as thirty percent. Drivers who have gotten severe violations such as DUI or willful reckless driving may be required to prove financial responsibility with their state in order to drive a vehicle legally.
The chart below demonstrates how traffic citations and accident claims can raise Ford Ranger yearly insurance costs for each different age group. The premiums assume a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
- Extra policy coverages can add up – There are many extra add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for rental car coverage, towing coverage, and extra equipment coverage could be just wasting money. These may sound like a good investment when talking to your agent, but now you might not need them so get rid of them and save.
- Rate your vehicle for proper use – The more miles you rack up on your Ford in a year’s time the higher the price you pay to insure it. Many insurance companies charge to insure your cars based upon how much you drive. Vehicles that sit idle most of the time receive better premium rates than those used for commuting. An improperly rated Ranger may be costing you. It’s always a good idea to double check that your auto insurance coverage properly reflects how each vehicle is driven, because improper ratings can cost you money.
Which policy gives me the best coverage?
When buying coverage online or from an agent, there isn’t really a perfect coverage plan. You are unique so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.
- What is roadside assistance coverage?
- Am I missing any policy discounts?
- Do I have coverage when making deliveries for my home business?
- What is motorclub and do I need it?
- Are all vehicle passengers covered by medical payments coverage?
- Is my camper covered by my car insurance policy?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.
Auto insurance agents can help
A small number of people would rather talk to a local agent and we recommend doing that Professional insurance agents are very good at helping people manage risk and will help you if you have claims. The biggest benefit of comparing insurance prices online is you may find cheap auto insurance rates but still work with a licensed agent.
Upon completion of this quick form, your insurance coverage information is transmitted to local insurance agents who will return price quotes and help you find cheaper coverage. You never need to search for an agent due to the fact that quote results will go directly to your email. If you wish to get a price quote from one company in particular, feel free to jump over to their website to submit a rate quote request.
Picking a insurance company needs to be determined by more than just the bottom line cost. Below are some questions you should ask.
- If your car is in the repair shop, do you have coverage for a rental car?
- Is working in the agency their full-time job?
- What company holds the largest book of business for them?
- How experienced are they in personal risk management?
- Is the coverage adequate for your vehicle?
- Will a damage claim use OEM or aftermarket replacement parts?
- Where would glass claims be handled in San Francisco?
Exclusive and independent San Francisco car insurance agents
If you prefer to buy auto insurance from a local agent, it can be helpful to understand the different agency structures from which to choose. San Francisco agents are either independent agents or exclusive agents depending on their employer. Both types can handle auto insurance, but it’s a good idea to understand the difference between them since it can impact which type of agent you select.
Exclusive Insurance Agencies
Exclusive agents can only place business with one company and examples are Allstate, State Farm and Farm Bureau. These agents are not able to provide prices from multiple companies so keep that in mind. Exclusive insurance agents are well trained on sales techniques which helps offset the inability to provide other markets. Some people will only choose to use a exclusive agent partially due to the brand and the convenience of having a single billing for all their coverages.
Shown below is a short list of exclusive insurance agencies in San Francisco that can give you rate quotes.
- Angela Chan – State Farm Insurance Agent
756 Sacramento St – San Francisco, CA 94108 – (415) 956-4888 – View Map
- Dave and Jake Stewart State Farm Insurance
821 Folsom St #101 – San Francisco, CA 94107 – (415) 982-9033 – View Map
- Rich Machado – State Farm Insurance Agent
5108 Geary Blvd – San Francisco, CA 94118 – (415) 292-3380 – View Map
Independent Agencies or Brokers
Agents that choose to be independent do not work for one specific company so as a result can place your coverage with multiple insurance companies enabling the ability to shop coverage around. If your premiums go up, the agent simply finds a different carrier and you won’t have to switch agencies.
When searching for an agent, you should always check rates from multiple independent agents so that you have a good selection of quotes to compare. A lot of them also have access to additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.
Listed below is a short list of independent insurance agents in San Francisco willing to provide comparison quotes.
- Primeras Insurance Agency
3339 23rd St – San Francisco, CA 94108 – (415) 829-7312 – View Map
- Express Service Insurance
2085 Van Ness Ave – San Francisco, CA 94109 – (415) 440-5136 – View Map
- Steven Cresci Insurance Agency
544 Golden Gate Ave – San Francisco, CA 94102 – (415) 212-8190 – View Map
Insurance in California serves several purposes
Despite the high cost of buying insurance for a Ford Ranger in San Francisco, insuring your vehicle may not be optional for several reasons.
First, the majority of states have minimum liability requirements which means state laws require a specific level of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your vehicle has a loan, most banks will make it mandatory that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may insure your Ford for a lot more money and force you to pay the higher price.
Third, insurance safeguards both your vehicle and your personal assets. It will also pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay attorney fees if you cause an accident and are sued. If your Ford gets damaged, your policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your car definitely exceed the cost, particularly for liability claims. The average driver in California is wasting up to $830 a year so compare rates at every renewal to be sure current rates are still competitive.
Smart shoppers get results
Cheaper Ford Ranger insurance in San Francisco can be found both online and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not have online price quotes and many times these small insurance companies only sell through local independent agencies.
In this article, we covered many ways to lower your Ford Ranger insurance premium rates in San Francisco. The key thing to remember is the more companies you get prices for, the better your chances of lowering your prices. Consumers could even find that the most savings is with a lesser-known regional company. Smaller companies may often insure only within specific states and give better rates than their larger competitors like Progressive or GEICO.
Additional detailed information is available in these articles:
- Should I Buy a New or Used Car? (Allstate)
- Who Has Cheap San Francisco Car Insurance for Veterans? (FAQ)
- Who Has Cheap Auto Insurance Rates for Welfare Recipients in San Francisco? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)
- State Car Insurance Guides (GEICO)