Do you want an efficient way to compare more competitive Ford Ranger insurance in New Orleans? Locating better insurance prices for a Ford Ranger in Louisiana can be difficult, but you can follow the following methods to make it easier.
There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the best way to get price quotes on a Ford and get the best price possible.
It goes without saying that auto insurance companies don’t want their customers to go rate shopping. Insureds who shop around for a cheaper policy will presumably switch auto insurance companies because they stand a good chance of getting low-cost coverage. A recent study showed that drivers who regularly compared rates saved $850 each year as compared to drivers who never shopped for cheaper rates.
If finding the lowest rates on insurance is your ultimate goal, then learning about how to shop and compare insurance coverage can save money and time.
Getting a cheaper price on Ford Ranger insurance is a great way to save money. Drivers just need to take the time comparing price quotes from online providers.
The following companies can provide free rate quotes in New Orleans, LA. To buy cheap auto insurance in Louisiana, we suggest you visit several of them to get the best price comparison.
Why you need to buy car insurance
Even though it can be expensive, car insurance is required in Louisiana but also provides important benefits.
- Just about all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability in order to get the vehicle licensed. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Ranger, more than likely the lender will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Ford for a lot more money and force you to pay the higher price.
- Insurance protects your Ford and your assets. It will also cover medical bills that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If you have damage to your Ford as the result of the weather or an accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance more than cancel out the cost, particularly if you ever have a claim. An average driver in America is overpaying more than $850 per year so we recommend shopping around at every renewal to be sure current rates are still competitive.
Coverage information
The rate information below highlights detailed analysis of insurance costs for Ford Ranger models. Learning as much as possible about how insurance premiums are determined can help customers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $186 | $392 | $488 | $28 | $146 | $1,240 | $103 |
| Ranger XL SuperCab 2WD | $218 | $392 | $488 | $28 | $146 | $1,272 | $106 |
| Ranger XLT 2WD | $218 | $392 | $488 | $28 | $146 | $1,272 | $106 |
| Ranger XL 2WD | $218 | $392 | $488 | $28 | $146 | $1,272 | $106 |
| Ranger XL SuperCab 4WD | $218 | $392 | $488 | $28 | $146 | $1,272 | $106 |
| Ranger XLT SuperCab 2WD | $218 | $478 | $488 | $28 | $146 | $1,358 | $113 |
| Ranger Sport SuperCab 2WD | $218 | $478 | $488 | $28 | $146 | $1,358 | $113 |
| Ranger Sport SuperCab 4WD | $218 | $478 | $488 | $28 | $146 | $1,358 | $113 |
| Ranger XLT SuperCab 4WD | $218 | $478 | $488 | $28 | $146 | $1,358 | $113 |
| Ranger Sport SuperCab 2WD | $218 | $478 | $488 | $28 | $146 | $1,358 | $113 |
| Ranger XLT SuperCab 2WD | $218 | $478 | $488 | $28 | $146 | $1,358 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in vehicle location which can influence insurance rates noticeably.
Physical damage deductible comparison
One of the hardest decisions when shopping for car insurance is what deductibles to buy. The comparisons below may help you to understand the costs and benefits between low and high physical damage coverage deductibles. The first set of rates uses a $250 deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $266 | $498 | $464 | $28 | $140 | $1,421 | $118 |
| Ranger XL SuperCab 2WD | $312 | $498 | $464 | $28 | $140 | $1,467 | $122 |
| Ranger XLT 2WD | $312 | $498 | $464 | $28 | $140 | $1,467 | $122 |
| Ranger XL 2WD | $312 | $498 | $464 | $28 | $140 | $1,467 | $122 |
| Ranger XL SuperCab 4WD | $312 | $498 | $464 | $28 | $140 | $1,467 | $122 |
| Ranger XLT SuperCab 2WD | $312 | $604 | $464 | $28 | $140 | $1,573 | $131 |
| Ranger Sport SuperCab 2WD | $312 | $604 | $464 | $28 | $140 | $1,573 | $131 |
| Ranger Sport SuperCab 4WD | $312 | $604 | $464 | $28 | $140 | $1,573 | $131 |
| Ranger XLT SuperCab 4WD | $312 | $604 | $464 | $28 | $140 | $1,573 | $131 |
| Ranger Sport SuperCab 2WD | $312 | $604 | $464 | $28 | $140 | $1,573 | $131 |
| Ranger XLT SuperCab 2WD | $312 | $604 | $464 | $28 | $140 | $1,573 | $131 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $216 | $400 | $464 | $28 | $140 | $1,248 | $104 |
| Ranger XL SuperCab 2WD | $254 | $400 | $464 | $28 | $140 | $1,286 | $107 |
| Ranger XLT 2WD | $254 | $400 | $464 | $28 | $140 | $1,286 | $107 |
| Ranger XL 2WD | $254 | $400 | $464 | $28 | $140 | $1,286 | $107 |
| Ranger XL SuperCab 4WD | $254 | $400 | $464 | $28 | $140 | $1,286 | $107 |
| Ranger XLT SuperCab 2WD | $254 | $488 | $464 | $28 | $140 | $1,374 | $115 |
| Ranger Sport SuperCab 2WD | $254 | $488 | $464 | $28 | $140 | $1,374 | $115 |
| Ranger Sport SuperCab 4WD | $254 | $488 | $464 | $28 | $140 | $1,374 | $115 |
| Ranger XLT SuperCab 4WD | $254 | $488 | $464 | $28 | $140 | $1,374 | $115 |
| Ranger Sport SuperCab 2WD | $254 | $488 | $464 | $28 | $140 | $1,374 | $115 |
| Ranger XLT SuperCab 2WD | $254 | $488 | $464 | $28 | $140 | $1,374 | $115 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in specific garaging location which can change coverage prices noticeably.
We can estimate from the data above that using a $250 deductible costs approximately $16 more each month or $192 each year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at least 16 months between claim filings, you would more than likely save some money by selecting a higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $127 |
| Average monthly premium for $500 deductibles (subtract): | – $111 |
| Monthly savings from raising deductible: | $16 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $16 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
One important caveat is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you file a claim. You will want to have access to more funds in order to pay more for the deductible.
The information below demonstrates how deductible levels and can increase or decrease Ford Ranger insurance premiums for each age group. The rates are based on a married male driver, full coverage, and no policy discounts are applied.
Comparison of car insurance rates by gender
The chart below shows the comparison of Ford Ranger annual premium costs for male and female drivers. The price estimates are based on no violations or claims, full coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.
Full coverage versus liability-only in New Orleans
The diagram below visualizes the comparison of Ford Ranger auto insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no accidents or driving violations, $100 deductibles, marital status is single, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no clear-cut formula for excluding full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s pretend your Ford Ranger book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after you pay the deductible. If premiums are more than $600 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some conditions where removing full coverage is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Get cheaper Ford Ranger insurance in New Orleans with discounts
Auto insurance companies do not list all their discounts very clearly, so the following is a list of some of the best known as well as the least known discounts that you can inquire about if you buy New Orleans car insurance online.
- Active Service Discounts – Having an actively deployed family member could trigger a small discount.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance from them.
- Seat Belt Usage – Drivers who require all occupants to buckle up before driving could save 15% on the premium charged for medical payments and/or PIP.
- Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems can get savings of 20% or more.
- Student Driver Training – Cut your cost by having your teen driver complete a driver education course as it can save substantially.
- ABS Braking Discount – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
- Memberships – Being a member of specific professional or occupational memberships or organizations can get you a small discount when shopping for car insurance.
You should keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, nobody gets a free ride.
The diagram below visualizes the comparison of Ford Ranger insurance costs with and without some available policy discounts. The information is based on a male driver, no accidents or driving violations, Louisiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, homeowner, safe-driver, and multi-policy discounts applied.
A few popular companies and their offered discounts are included below.
- State Farm offers premium reductions for passive restraint, Drive Safe & Save, defensive driving training, driver’s education, safe vehicle, and good student.
- Progressive offers discounts including multi-vehicle, good student, multi-policy, homeowner, online quote discount, online signing, and continuous coverage.
- Progressive offers discounts for good student, multi-policy, online quote discount, homeowner, multi-vehicle, online signing, and continuous coverage.
- MetLife may have discounts that include good driver, defensive driver, accident-free, claim-free, multi-policy, and good student.
- Farm Bureau has discounts for safe driver, multi-vehicle, 55 and retired, driver training, and youthful driver.
- GEICO may offer discounts for seat belt use, anti-theft, federal employee, driver training, and military active duty.
- SAFECO includes discounts for teen safe driver, safe driver, drive less, anti-theft, anti-lock brakes, teen safety rewards, and multi-car.
If you are trying to find the cheapest Ford Ranger rate quotes, ask every insurance company which discounts they offer. All car insurance discounts may not be available in every state.
Car insurance quotes from local neighborhood New Orleans car insurance agents
Certain consumers still like to buy from a local agent and we recommend doing that Insurance agents can answer important questions and help file insurance claims. One of the great benefits of comparing rates online is that drivers can save money and get cheap rate quotes but also keep your business local. And buying from local agents is especially important in New Orleans.
By using this quick form, your insurance data is immediately sent to local insurance agents that provide free New Orleans car insurance quotes to get your business. You don’t have to even leave your home since price quotes are sent to you directly. In the event you want to get a comparison quote from a specific insurance company, you would need to visit that company’s website and complete a quote there.
When researching a local New Orleans insurance agent, it’s important to understand the types of agencies and how they can service your needs differently. Car insurance policy providers can be categorized as either independent (non-exclusive) or exclusive. Either can handle car insurance, but it’s worth learning the subtle differences because it can factor into the kind of agent you use.
Independent Insurance Agents
These agents do not have single company limitations so as a result can place your coverage with a variety of different insurance companies and potentially find a lower price. If you want to switch companies, the business is moved internally and you stay with the same agent.
When comparing car insurance rates, we highly recommend that you get several quotes from a few independent agents for the best price selection. Most can insure with smaller regional carriers who may have lower rates.
Listed below is a list of independent agencies in New Orleans that may be able to give price quote information.
- ABC Insurance
4101 S Carrollton Ave c – New Orleans, LA 70119 – (504) 486-0123 – View Map - Bob Swanson Insurance
824 Elmwood Park Blvd #295 – New Orleans, LA 70123 – (504) 734-0305 – View Map - Murphy Insurance LLC
2107 Soniat St – New Orleans, LA 70115 – (504) 899-8010 – View Map
Exclusive Car Insurance Agencies
Agents in the exclusive channel can only quote rates from one company like AAA, Allstate, and State Farm. They are unable to provide prices from multiple companies so they have no alternatives for high prices. They are very knowledgeable in insurance sales and that allows them to sell at a higher price point. Many people purchase coverage from exclusives mainly due to the prominence of the brand rather than low rates.
Listed below is a list of exclusive insurance agents in New Orleans who can help you get price quote information.
- Allstate Insurance: Rene Manfre
13040 I- 10 Service Rd – New Orleans, LA 70128 – (504) 218-1586 – View Map - Manny Hidalgo – State Farm Insurance Agent
3837 MacArthur Blvd – New Orleans, LA 70114 – (504) 362-1919 – View Map - Allstate Insurance: Aaron Gable
2073 Caton St – New Orleans, LA 70122 – (504) 283-0034 – View Map
Selecting a auto insurance agent is decision based upon more than just the bottom line cost. You should also get answers to these questions.
- Is there a 24/7 contact number?
- Will you get a loaner vehicle if you car is being repaired?
- Do they specialize in personal lines coverage in New Orleans?
- If they are an independent agency in New Orleans, which companies do they recommend?
- Can you contact them at any time?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are they involved in claim handling?
- Do they have a Better Business Bureau rating in New Orleans?
Don’t assume everyone needs the same car insurance coverage
When it comes to buying a policy, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that.
For instance, these questions could help you determine whether or not you will benefit from professional help.
- Does rental coverage apply when I am renting a car?
- Am I covered if I hit someone who is not insured?
- What does roadside assistance cover?
- Does my personal policy cover me when driving out-of-state?
- How much can I save by bundling my policies?
- Does my insurance cover my expensive audio equipment?
- Should I buy full coverage?
- Is motorclub coverage worth it?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.
How to find a good Louisiana car insurance company
Choosing a high-quality insurance company can be a challenge considering how many companies sell insurance in New Orleans. The company ratings below can help you decide which coverage providers you want to consider when shopping your coverage around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
A conclusion for your auto insurance search
When shopping online for auto insurance, you should never reduce needed coverages to save money. In many instances, someone sacrificed liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at the best possible price.
We just presented many ways to compare Ford Ranger insurance rates in New Orleans. The most important thing to understand is the more times you quote, the higher your chance of finding affordable New Orleans car insurance quotes. Consumers may even find the lowest rates are with a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.
How to buy low-cost Ford Ranger insurance in New Orleans
The easiest way to get budget auto insurance rates in New Orleans is to make a habit of regularly comparing prices from insurers that sell auto insurance in Louisiana. This can be done by following these steps.
Step 1: Get a basic knowledge of how companies set rates and the things you can control to keep rates down. Many factors that result in higher prices like tickets, at-fault accidents, and a less-than-favorable credit score can be remedied by paying attention to minor details.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple sources.
Step 3: Compare the new rate quotes to your current policy and determine if there is any savings. If you find a better price, verify that coverage does not lapse between policies.
One bit of advice is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote and and to get rate quotes from all possible companies. Doing this ensures an apples-to-apples comparison and a thorough price selection.
Much more information about auto insurance in Louisiana can be found at the links below
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Who Has Cheap New Orleans Car Insurance for Drivers Under 25? (FAQ)
- Who Has the Cheapest New Orleans Car Insurance Rates for Government Employees? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Nissan Sentra in New Orleans? (FAQ)
- Who Has Affordable Car Insurance Rates for Immigrants in New Orleans? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)
- Coverage Information (Progressive Insurance)
- Crash Avoidance Technologies FAQ (iihs.org)