Cheapest Insurance for a Ford Ranger in Portland

Insurance rates Ford Ranger in PortlandIf saving the most money is your goal, then the best way to get the cheapest auto insurance rates in Portland is to make a habit of regularly comparing prices from insurance carriers that sell auto insurance in Oregon. Price quotes can be compared by following these steps.

Step 1: Try to learn a little about how companies set rates and the things you can control to drop your rates. Many risk factors that increase rates like speeding tickets, accidents and a negative credit rating can be rectified by making lifestyle changes or driving safer. Later in this article we will cover instructions to get cheaper coverage and get additional discounts that may be available.

Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agencies can give you price quotes from multiple sources.

Step 3: Compare the new quotes to the price on your current policy and determine if there is any savings. If you can save some money and buy the policy, ensure coverage does not lapse between policies.

A key point to remember is that you’ll want to compare similar limits and deductibles on every quote and and to analyze all possible companies. This guarantees a fair rate comparison and and a good selection of different prices.

It’s an obvious conclusion that auto insurance companies don’t want you to compare rates. Insureds who shop around for better prices will presumably switch to a new company because there are good odds of finding lower prices. A recent survey discovered that people who compared rates regularly saved approximately $3,450 over four years compared to drivers who never compared prices.

If finding the most affordable Ford Ranger insurance in Portland is the reason you’re here, then having an understanding of the best ways to find and compare insurance can help you succeed in finding affordable rates.

If you are already insured or are looking for a new policy, use these techniques to find better prices and still have adequate protection. Finding the cheapest car insurance coverage in Portland is really not that difficult. Smart buyers just need to know the most time-saving way to compare company rates online.

Cheaper rates on Ford Ranger insurance in Portland with these discounts

Car insurance can cost a lot, but you might already qualify for some discounts to reduce the price significantly. Certain reductions will be credited when you purchase, but some must be asked about before you will receive the discount.Cheaper car insurance with discounts

Policy discounts save money, but most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. So when the math indicates you could get a free car insurance policy, you won’t be that lucky.

The chart below visualizes the comparison of Ford Ranger car insurance rates with and without discounts applied to the rates. The premiums are based on a male driver, no claims or driving violations, Oregon 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 multi-car, safe-driver, marriage, multi-policy, homeowner, and claim-free discounts applied.

A partial list of companies that possibly offer these money-saving discounts are:

If you need inexpensive Portland auto insurance quotes, ask every insurance company how many discounts you can get. All car insurance discounts might not be offered in your state. For a list of insurance companies with discount rates in Oregon, click here to view.

All major insurance companies make it easy to get coverage price quotes on the web. This process is very simple as you simply type in your coverage preferences on the page. After you submit the form their system obtains credit information and your driving record and returns a price based on these factors. Getting online price quotes for Ford Ranger insurance in Portland makes comparing rates easy, and it’s necessary to do this if you are searching for affordable insurance pricing.

If you want to compare rates now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you enter the limits and deductibles exactly as they are listed on your policy. This ensures you will have a fair comparison for exact coverage.

The companies shown below can provide price comparisons in Portland, OR. If you wish to find the best car insurance in Oregon, we recommend you compare several of them to get the most competitive price.

Facts and figures for Ford Ranger insurance

The coverage table below showcases different rate quotes for Ford Ranger models. Learning how insurance prices are determined is important for drivers to make informed decisions when comparing rate quotes.

Ford Ranger Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $198 $400 $326 $20 $98 $1,042 $87
Ranger XL SuperCab 2WD $232 $400 $326 $20 $98 $1,076 $90
Ranger XLT 2WD $232 $400 $326 $20 $98 $1,076 $90
Ranger XL 2WD $232 $400 $326 $20 $98 $1,076 $90
Ranger XL SuperCab 4WD $232 $400 $326 $20 $98 $1,076 $90
Ranger XLT SuperCab 2WD $232 $486 $326 $20 $98 $1,162 $97
Ranger Sport SuperCab 2WD $232 $486 $326 $20 $98 $1,162 $97
Ranger Sport SuperCab 4WD $232 $486 $326 $20 $98 $1,162 $97
Ranger XLT SuperCab 4WD $232 $486 $326 $20 $98 $1,162 $97
Ranger Sport SuperCab 2WD $232 $486 $326 $20 $98 $1,162 $97
Ranger XLT SuperCab 2WD $232 $486 $326 $20 $98 $1,162 $97
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in specific Portland garaging location which can revise auto insurance rates noticeably.

Policy deductibles

One of the most common insurance questions is how high or low should comp and collision deductibles be. The comparisons below can help you understand the rate differences between low and high comp and collision deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Ford Ranger insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $184 $342 $320 $18 $96 $985 $82
Ranger XL SuperCab 2WD $216 $342 $320 $18 $96 $1,017 $85
Ranger XLT 2WD $216 $342 $320 $18 $96 $1,017 $85
Ranger XL 2WD $216 $342 $320 $18 $96 $1,017 $85
Ranger XL SuperCab 4WD $216 $342 $320 $18 $96 $1,017 $85
Ranger XLT SuperCab 2WD $216 $416 $320 $18 $96 $1,091 $91
Ranger Sport SuperCab 2WD $216 $416 $320 $18 $96 $1,091 $91
Ranger Sport SuperCab 4WD $216 $416 $320 $18 $96 $1,091 $91
Ranger XLT SuperCab 4WD $216 $416 $320 $18 $96 $1,091 $91
Ranger Sport SuperCab 2WD $216 $416 $320 $18 $96 $1,091 $91
Ranger XLT SuperCab 2WD $216 $416 $320 $18 $96 $1,091 $91
Get Your Own Custom Quote Go

Ford Ranger insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $114 $216 $320 $18 $96 $764 $64
Ranger XL SuperCab 2WD $132 $216 $320 $18 $96 $782 $65
Ranger XLT 2WD $132 $216 $320 $18 $96 $782 $65
Ranger XL 2WD $132 $216 $320 $18 $96 $782 $65
Ranger XL SuperCab 4WD $132 $216 $320 $18 $96 $782 $65
Ranger XLT SuperCab 2WD $132 $262 $320 $18 $96 $828 $69
Ranger Sport SuperCab 2WD $132 $262 $320 $18 $96 $828 $69
Ranger Sport SuperCab 4WD $132 $262 $320 $18 $96 $828 $69
Ranger XLT SuperCab 4WD $132 $262 $320 $18 $96 $828 $69
Ranger Sport SuperCab 2WD $132 $262 $320 $18 $96 $828 $69
Ranger XLT SuperCab 2WD $132 $262 $320 $18 $96 $828 $69
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Information does not factor in garaging location in Portland which can modify coverage rates considerably.

We can derive from the above data that using a $250 deductible costs roughly $21 more each month or $252 every year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 36 months between claims, you would more than likely save some money if you elect the higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $88
Average monthly premium for $1,000 deductibles (subtract): – $67
Monthly savings from raising deductible: $21
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

The information below shows how different deductible levels and can impact Ford Ranger insurance costs for different categories of driver ages. The data is based on a single female driver, comp and collision included, and no discounts are applied to the premium.

Full coverage rates vs. liability-only

The chart below shows the comparison of Ford Ranger annual premium costs with full coverage and liability only. The premiums are based on no claims or driving citations, $250 deductibles, drivers are single, and no discounts are factored in.

When to stop buying full coverage

There is no clear-cut rule to eliminate physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Ford Ranger claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after the deductible is paid. If you are paying more than $600 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some situations where eliminating full coverage is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

Car insurance quotes from local Portland insurance agencies

A lot of people still like to visit with an insurance agent and that is a personal choice. Licensed agents can help you choose the best coverages and help submit paperwork. A nice benefit of comparing rates online is that you can obtain the best rates and still buy from a local agent.

Insurance agency in PortlandOnce you complete this simple form, your insurance data is emailed to participating agents in Portland that can provide free Portland auto insurance quotes for your car insurance coverage. There is no reason to find an agent as quotes are delivered instantly to you. In the event you want to quote rates from a specific company, feel free to visit that company’s website and fill out their quote form.

Picking an provider should depend on more than just the bottom line cost. These questions are important to ask:

Best auto insurance in Portland

Buying coverage from the best insurance provider can be a challenge considering how many different insurance companies sell coverage in Portland. The information in the lists below may help you analyze which auto insurance companies you want to consider purchasing coverage from.

Top 10 Portland Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. Nationwide – 90%
  5. State Farm – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. 21st Century – 88%
  9. Liberty Mutual – 88%
  10. Allstate – 88%

Top 10 Portland Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. GEICO – A++
  4. State Farm – A++
  5. The Hartford – A+
  6. Esurance – A+
  7. Nationwide – A+
  8. Allstate – A+
  9. Mercury Insurance – A+
  10. Titan Insurance – A+

Be persistent and save

Lower-priced car insurance in Portland can be purchased from both online companies and with local Portland insurance agents, so get free Portland auto insurance quotes from both of them in order to have the best price selection to choose from. Some car insurance companies don’t offer online rate quotes and most of the time these smaller providers sell through independent agents.

We covered some good ideas how to save on Ford Ranger insurance in Portland. It’s most important to understand that the more companies you get auto insurance rates for, the higher the chance of saving money. Consumers could even find that the biggest savings come from a lesser-known regional company. These smaller insurers may only write in your state and offer lower auto insurance rates as compared to the big name companies such as Allstate and Progressive.

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