If you want to find the absolute lowest rates, then the best way to get cheaper Ford Ranger insurance in Tucson is to compare prices regularly from providers in Arizona.
First, try to learn a little about how car insurance works and the measures you can take to prevent high rates. Many things that drive up the price such as at-fault accidents, speeding tickets, and a less-than-favorable credit history can be amended by improving your driving habits or financial responsibility. Continue reading for additional ideas to get cheaper coverage and find additional discounts you may qualify for.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can quote rates for a wide range of companies.
Third, compare the price quotes to the premium of your current policy to determine if switching companies saves money. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, give proper notification to your current agent or company of your intent to cancel your current car insurance policy. Submit the completed application along with a down payment for the new coverage. Once the application is submitted, store the certificate verifying proof of insurance in your glove compartment.
One key aspect of rate comparisons is to compare identical limits and deductibles on every price quote and and to look at as many carriers as you can. Doing this helps ensure a fair price comparison and the most accurate and complete price analysis.
It’s an obvious statement that car insurance companies don’t want you quoting rates from other companies. People who shop around for the cheapest price will, in all likelihood, buy a different policy because they stand a good chance of finding a more affordable policy premium. A study discovered that drivers who made a habit of comparing rate quotes saved an average of $3,400 over four years compared to people who never shopped around for cheaper prices.
If finding low prices for insurance is your objective, then learning about how to shop and compare cheaper coverage can help make the process easier.
If you have insurance now or want to find a cheaper company, use these money-saving tips to reduce premiums and possibly find even better coverage. The intent of this article is to familiarize you with how car insurance companies work and how you can save the most money. Vehicle owners just need to use how to compare price quotes on the web.
Auto insurance discounts are available to cut your rates
Companies don’t always publicize the entire discount list very clearly, so the list below gives a summary of both well-publicized and the more hidden credits that may apply to you.
- Payment Discounts – By paying your policy upfront instead of paying each month you can avoid monthly service charges.
- Driver Safety – Successfully completing a course in driver safety could cut 5% off your bill depending on where you live.
- Waiver for an Accident – Not a discount per se, but some insurance companies will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free for a specific time period.
- Driving Data Discount – Insureds that choose to allow driving data submission to monitor driving habits remotely like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they are good drivers.
- Military Rewards – Being on active duty in the military could be rewarded with lower prices.
- Good Drivers – Accident-free drivers can save up to 40% or more on their Tucson auto insurance quote than drivers with accident claims.
As a sidenote, most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.
The information below illustrates the comparison of Ford Ranger auto insurance rates with and without discounts. The data assumes a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, multi-policy, marriage, and claim-free discounts applied.
If you would like to see a list of insurers with discount rates in Tucson, click this link.
Finding a lower price on insurance is actually quite simple. The only requirement is to spend a little time to compare rates to find out which insurance company has inexpensive Tucson auto insurance quotes.
The following companies are our best choices to provide price comparisons in Tucson, AZ. To get cheap car insurance in Arizona, we suggest you visit several of them to find the most competitive auto insurance rates.
Rates and other information
The data table shown below outlines estimates of policy rates for Ford Ranger models. Having a good grasp of how car insurance premiums are determined helps drivers make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $120 | $254 | $314 | $18 | $94 | $800 | $67 |
| Ranger XL SuperCab 2WD | $142 | $254 | $314 | $18 | $94 | $822 | $69 |
| Ranger XLT 2WD | $142 | $254 | $314 | $18 | $94 | $822 | $69 |
| Ranger XL 2WD | $142 | $254 | $314 | $18 | $94 | $822 | $69 |
| Ranger XL SuperCab 4WD | $142 | $254 | $314 | $18 | $94 | $822 | $69 |
| Ranger XLT SuperCab 2WD | $142 | $308 | $314 | $18 | $94 | $876 | $73 |
| Ranger Sport SuperCab 2WD | $142 | $308 | $314 | $18 | $94 | $876 | $73 |
| Ranger Sport SuperCab 4WD | $142 | $308 | $314 | $18 | $94 | $876 | $73 |
| Ranger XLT SuperCab 4WD | $142 | $308 | $314 | $18 | $94 | $876 | $73 |
| Ranger Sport SuperCab 2WD | $142 | $308 | $314 | $18 | $94 | $876 | $73 |
| Ranger XLT SuperCab 2WD | $142 | $308 | $314 | $18 | $94 | $876 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific Tucson garaging location which can influence price quotes significantly.
Deductible comparison
The hardest decision when buying coverage is at what level do you set your deductibles. The comparison tables below may help you to understand the premium difference of buying low and high physical damage coverage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $192 | $382 | $300 | $18 | $90 | $1,007 | $84 |
| Ranger XL SuperCab 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Ranger XLT 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Ranger XL 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Ranger XL SuperCab 4WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Ranger XLT SuperCab 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Ranger Sport SuperCab 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Ranger Sport SuperCab 4WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Ranger XLT SuperCab 4WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Ranger Sport SuperCab 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Ranger XLT SuperCab 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $106 | $202 | $300 | $18 | $90 | $716 | $60 |
| Ranger XL SuperCab 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Ranger XLT 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Ranger XL 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Ranger XL SuperCab 4WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Ranger XLT SuperCab 2WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Ranger Sport SuperCab 2WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Ranger Sport SuperCab 4WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Ranger XLT SuperCab 4WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Ranger Sport SuperCab 2WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Ranger XLT SuperCab 2WD | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in vehicle location which can impact price quotes considerably.
We can derive from the above data that using a $100 deductible will cost in the ballpark of $28 more each month or $336 for a full year averaged for all Ranger models than opting for the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 32 months between claims, you would come out ahead by selecting a higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $100 deductibles: | $91 |
| Average monthly premium for $1,000 deductibles (subtract): | – $63 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 32 months |
One important note is that increasing deductibles to save money means you will have to pay more of your own money at claim time. It will be required that you have enough extra savings in the event you have to pay the deductible.
Insurance rates are higher with tickets and accidents
The diagram below demonstrates how citations and accident claims can drive up Ford Ranger insurance costs for different age groups of insureds. The premiums assume a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Should you buy full coverage?
The chart below illustrates the difference between Ford Ranger insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The prices are based on no violations or accidents, $250 deductibles, marital status is single, and no policy discounts are applied.
Deciding between full coverage and liability only
There is no exact formula for eliminating physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s say your Ford Ranger settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after you pay the deductible. If it’s costing in excess of $500 annually to have full coverage, then you may want to consider only buying liability coverage.
There are some cases where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Local Tucson insurance agents and auto insurance
A small number of people just prefer to buy from a local agent and often times that is recommended Good insurance agents can make sure you are properly covered and will help you if you have claims. One of the best bonuses of comparing rates online is that you can obtain the best rates and still buy from a local agent. Buying from neighborhood insurance agencies is still important in Tucson.
For easy comparison, once you complete this form (opens in new window), your information is immediately sent to local insurance agents who will return price quotes for your business. It makes it easy because there is no need to drive around because prices are sent to your email. If you want to compare prices from a specific insurance company, don’t hesitate to jump over to their website and submit a quote form there.
If you want to buy auto insurance from a reputable insurance agent or broker, you must know there are a couple different agency structures and how they differ in how they can insure your vehicles. Auto insurance policy providers can be classified as either exclusive or independent (non-exclusive). Both can do a good job, but it’s important to point out the difference between them because it can impact buying decisions.
Independent Auto Insurance Agencies
Agents in the independent channel do not work for one specific company and that gives them the ability to insure with multiple insurance companies and get the cheapest rates. To move your coverage to a new company, your agent can just switch to a different company and that require little work on your part. If you need cheaper auto insurance rates, you will want to get insurance quotes from multiple independent agents to ensure the widest selection of prices. A lot of them also have access to small mutual carriers which can save you money.
Below is a partial list of independent insurance agents in Tucson that can possibly get you price quotes.
- Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900 – View Map - DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map - McElwain Insurance
1717 N Tucson Blvd – Tucson, AZ 85716 – (520) 327-3369 – View Map
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive work for only one company like State Farm, Allstate, or Farmers Insurance. These agents are not able to give you multiple price quotes so they have to upsell other benefits. Exclusive insurance agents are highly trained on sales techniques which aids in selling service over price. Some people will only purchase coverage from exclusives primarily because of loyalty to the company rather than having the cheapest rates.
Below are Tucson exclusive agents willing to provide comparison quotes.
- Allstate Insurance: Debe A. Campos-Fleenor
3206 E Grant Rd – Tucson, AZ 85716 – (520) 745-0169 – View Map - Kevin Dale – State Farm Insurance Agent
5643 E Grant Rd – Tucson, AZ 85712 – (520) 721-8184 – View Map - Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016 – View Map
Picking an insurance agent should include more criteria than just a cheap price. These are some questions your agent should answer.
- Will the agent or a CSR service your policy?
- Is assistance available after office hours?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Who is covered by the car insurance policy?
- Can you get a list of referrals?
- Do they regularly work with personal auto policies in Tucson?
- Do they offer accident forgiveness?
- If they are an independent agency in Tucson, which companies do they recommend?
After talking to the agent and getting good answers for all questions you ask and affordable Ford Ranger insurance rates in Tucson quotes, you may have found a car insurance agent that is professional and can properly service your auto insurance policy.
Best car insurance company in Tucson
Buying coverage from the right insurance provider can be difficult considering how many choices you have in Tucson. The information listed below can help you pick which car insurance companies to look at when shopping around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Compare rates regularly to save
Discount Ford Ranger insurance in Tucson is attainable online as well as from insurance agents, so you need to shop Tucson auto insurance with both to get a complete price analysis. Some auto insurance companies do not offer online price quotes and many times these smaller providers prefer to sell through local independent agencies.
While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice collision coverage only to regret that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.
We just presented many ways to reduce Ford Ranger insurance premium rates online in Tucson. The most important thing to understand is the more you quote Tucson auto insurance, the higher your chance of finding affordable Tucson auto insurance quotes. You may even discover the lowest priced auto insurance comes from an unexpected company.
To read more, link through to the articles below:
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- How Much are Tucson Auto Insurance Rates for Uber Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Ford Explorer in Tucson? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Senior Drivers (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)