How many times have you told yourself it’s time to shop around for more affordable insurance rates in Seattle, WA? Seattle consumers have lots of choices when looking for the best price on Ford Ranger insurance. They can either waste time calling around getting price quotes or save time using the internet to compare rates. There are more efficient ways to compare insurance rates so you’re going to learn the proper way to compare rates on a Ford and locate the best price possible from both online companies and Seattle agents.
A recent study showed that nearly 70% of customers kept their coverage with the same insurance company for at least four years, and 38% of customers have never compared rate quotes at all. American drivers can cut their rates by as much as 46.5% a year by just shopping around, but they don’t know the big savings they would realize if they switched to a more affordable policy.
First Step: Get free Ford Ranger insurance quotes
Finding a better price on auto insurance isn’t really that difficult. The only thing you need to do is take the time to compare rate quotes to find the company with low cost Seattle auto insurance quotes.
The companies in the list below can provide quotes in Seattle, WA. If multiple providers are shown, we suggest you visit several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ranger XL 2WD||$166||$362||$356||$22||$106||$1,012||$84|
|Ranger XL SuperCab 2WD||$96||$168||$282||$16||$84||$646||$54|
|Ranger XLT 2WD||$190||$368||$310||$18||$92||$978||$82|
|Ranger XL 2WD||$138||$250||$334||$20||$100||$842||$70|
|Ranger XL SuperCab 4WD||$226||$316||$386||$22||$116||$1,066||$89|
|Ranger XLT SuperCab 2WD||$190||$472||$334||$20||$100||$1,116||$93|
|Ranger Sport SuperCab 2WD||$180||$354||$304||$18||$90||$946||$79|
|Ranger Sport SuperCab 4WD||$190||$448||$334||$20||$100||$1,092||$91|
|Ranger XLT SuperCab 4WD||$156||$304||$300||$18||$90||$868||$72|
|Ranger Sport SuperCab 2WD||$190||$434||$384||$22||$114||$1,144||$95|
|Ranger XLT SuperCab 2WD||$106||$236||$334||$20||$100||$796||$66|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific garaging location which can affect prices substantially.
Comparison of car insurance rates by gender
The diagram below visualizes the comparison of Ford Ranger insurance rates for male and female drivers. The price estimates are based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Get cheaper Ford Ranger insurance rates in Seattle
Auto insurance can be pricey, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but some need to be asked about before they will apply.
- Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
- Low Mileage Discounts – Keeping the miles down on your Ford may enable drivers to earn substantially lower prices.
- More Vehicles More Savings – Having multiple cars on one policy can get a discount for every vehicle.
- Membership in Organizations – Having an affiliation with qualifying clubs or civic groups may earn a discount on your next renewal.
- Telematics Data Discounts – Policyholders that allow driving data submission to scrutinize driving manner by using a telematic data system like Allstate’s Drivewise might get better premium rates if they are good drivers.
Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride.
If you would like to choose from a list of insurance companies with the best Ford Ranger insurance discounts in Seattle in Seattle, click here.
Are car insurance agents a thing of the past?
Some consumers just prefer to buy from a local agent and that is not a bad decision Good insurance agents are highly skilled in risk management and help file insurance claims. One of the benefits of comparing rates online is that drivers can save money and get cheap auto insurance rates and still have an agent to talk to.
By using this simple form, your information is immediately sent to insurance agents in Seattle that can provide free Seattle auto insurance quotes for your business. You never need to contact any insurance agencies since price quotes are sent to you instantly. If you have a need to get a comparison quote from a specific auto insurance provider, just visit that company’s website and fill out their quote form.
Finding a good provider needs to be determined by more than just a low price. Any good agent in Seattle should know the answers to these questions.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- What insurance companies do they work with in Seattle?
- How long has their agency been open in Seattle?
- Do they carry Errors and Omissions coverage?
- Is the quote a firm price?
- Is insurance their full-time profession?
The different types of car insurance agents
If you prefer to buy auto insurance from an insurance agent, you need to know there are two types of agencies and how they differ in how they can insure your vehicles. Auto insurance agencies are either independent agents or exclusive agents. Both can insure your vehicles properly, but it is a good idea to know how they differ because it may have an impact on the selection process.
Exclusive Auto Insurance Agencies
Exclusive agencies write business for a single company and some examples include State Farm, Allstate and AAA. Exclusive agencies are unable to give you multiple price quotes so always compare other rates. Exclusive agencies are very knowledgeable on what they offer which can be an advantage. Consumers often choose to use a exclusive agent mainly due to the prominent brand name and strong financial ratings.
The following is a short list of exclusive insurance agents in Seattle who may provide you with price quote information.
- Lucho Singh – State Farm Insurance Agent
1420 Harvard Ave – Seattle, WA 98122 – (206) 329-4450 – View Map
- Mark Hafemeister – State Farm Insurance Agent
14322 Lake City Way NE – Seattle, WA 98125 – (206) 365-0600 – View Map
- Allstate Insurance: Jeremy Olson
7 Denny Way – Seattle, WA 98109 – (206) 956-0580 – View Map
Independent agents often have affiliation with several companies so they can quote policies with a variety of different insurance companies depending on which coverage is best. If your agent finds better pricing, they simply move your policy to a different company and that require little work on your part. When comparing rates, we recommend you get insurance quotes from several independent agencies to maximize your price options. Many independent agencies also insure through small regional insurance companies which can be an advantage.
The following is a short list of independent agents in Seattle willing to provide rate quotes.
- Propel Insurance: Marinkovich Stephen
925 4th Ave #3200 – Seattle, WA 98104 – (206) 676-4216 – View Map
- C. Don Filer Agency
4201 Roosevelt Way NE #200 – Seattle, WA 98105 – (800) 701-5909 – View Map
- Roy Potter Insurance
412 Queen Anne Ave N – Seattle, WA 98109 – (206) 284-0470 – View Map
Car insurance myths debunked
Washington drivers can’t ignore all the ads that claim the best auto insurance rates by Allstate and Progressive. All the ads say the same thing of big savings after switching your policy.
But how can every company give you a lower rate on Ford Ranger insurance in Seattle? Here is the trick they use.
Car insurance companies have an ideal profile for the type of driver that will generate a profit. For example, this type of risk profile might have to be over the age of 50, has a clean driving record, and drives a lower-performance vehicle. Any person who meets those qualifications receives the best premium rates in Seattle and as a result will probably cut their Ford Ranger insurance rates if they switch.
Consumers who don’t measure up to these standards may receive more expensive rates and this can result in the prospect going elsewhere. If you pay close attention to the ads, they say “drivers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way insurance companies can claim big savings. Because of the profiling, it’s extremely important to do a quote comparison often. It is just not possible to predict which car insurance company will have the best Ford Ranger insurance in Seattle.
What auto insurance coverages do you need?
Learning about specific coverages of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for ambulance fees, chiropractic care, prosthetic devices, funeral costs and pain medications. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Ranger.
Since many Washington drivers carry very low liability coverage limits (25/50/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Collision coverage will pay to fix damage to your Ranger resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as scraping a guard rail, colliding with a tree, colliding with another moving vehicle, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible on your Ranger to get cheaper collision coverage.
This coverage provides protection from damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/10 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $10,000 of coverage for damaged property.
Liability coverage pays for claims like funeral expenses, attorney fees and emergency aid. How much liability coverage do you need? That is up to you, but buy as large an amount as possible. Washington requires minimum liability limits of 25/50/10 but drivers should carry more liability than the minimum.
Comprehensive auto coverage
This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things like hail damage, falling objects, vandalism, a tree branch falling on your vehicle and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
One last thing about your coverage
Consumers change insurance companies for a variety of reasons including policy cancellation, high rates after DUI convictions, poor customer service or denial of a claim. Regardless of your reason for switching companies, switching auto insurance companies is pretty simple and you could end up saving a buck or two.
As you quote Seattle auto insurance, do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced full coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at the lowest possible cost.
We just presented a lot of tips how to save on Ford Ranger insurance in Seattle. The most important thing to understand is the more times you quote, the better chance you’ll have of finding affordable Seattle auto insurance quotes. You may even discover the lowest rates come from an unexpected company.
Even more information can be found in the articles below:
- Comprehensive Coverage (Liberty Mutual)
- How Much is Seattle Auto Insurance for Real Estate Agents? (FAQ)
- Who Has Affordable Seattle Auto Insurance Quotes for Drivers Requiring a SR22? (FAQ)
- What Insurance is Cheapest for Drivers with Good Credit in Seattle? (FAQ)
- What Auto Insurance is Cheapest for High Mileage Drivers in Seattle? (FAQ)
- Who Has Cheap Auto Insurance for Low Mileage Drivers in Seattle? (FAQ)
- How Much are Auto Insurance Quotes for a Hyundai Elantra in Seattle? (FAQ)
- Who Has the Cheapest Seattle Car Insurance for Teenage Females? (FAQ)
- Information for Teen Drivers (GEICO)
- Things to Know Before you Cancel Insurance (Allstate)