Cheapest Insurance for a Ford Ranger in New Orleans

Insurance rates Ford Ranger in New OrleansDo 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.

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.

Ford Ranger Insurance Rates in New Orleans, LA
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
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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.

Ford Ranger insurance premium estimates with $250 deductibles
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
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Ford Ranger insurance premium estimates with $500 deductibles
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
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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.Save money with discounts

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.

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.

Insurance agency in New OrleansBy 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.

View more New Orleans agents

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.

View more New Orleans agents

Selecting a auto insurance agent is decision based upon more than just the bottom line cost. You should also get answers to these questions.

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.Drive safe and save
For instance, these questions could help you determine whether or not you will benefit from professional help.

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.

Top Car Insurance Companies in New Orleans
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
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Data Source: 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