Do you want to save money by finding low-cost Ford Ranger insurance in Atlanta? When looking for lower-cost insurance, are you confused by the number of auto insurance sources in your area? Many other drivers are as well. Consumers have such a large number of options that it can quickly become a ton of work to lower your prices for Ford Ranger insurance in Atlanta. If you’ve ever been there, you know that Atlanta has many things to offer, but the high cost of auto insurance makes it very hard to maintain proper levels of coverage.
Astonishing but true, the majority of drivers renewed their policy with the same company for more than four years, and nearly the majority have never compared quotes from other companies. Many drivers in Georgia could cut their rates by approximately $959 a year by just comparing rate quotes, but they just don’t understand the large savings they would see if they replace their high priced policy.
Smart consumers take time to get comparison quotes before your policy renews because rates go up and down regularly. Even if you think you had the lowest premium rates on Ford Ranger insurance in Atlanta a couple years back the chances are good that you can find a lower price today. You’ll find a ton of advice on Ranger insurance on the internet, but in a few minutes you can learn some solid techniques on how to slash your auto insurance rates in Atlanta.
Car insurance discounts help lower rates for Ford Ranger insurance in Atlanta
The price of auto insurance can be rather high, but you might find some hidden discounts that many people don’t even know exist. Most are applied at quote time, but a few need to be inquired about prior to receiving the credit.
- Multiple Cars – Insuring all your vehicles on the same car insurance policy can get a discount for every vehicle.
- Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
- Multiple Policy Discount – If you have multiple policies with the same insurance company you could save as much as 10 to 15 percent.
- Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current Ranger insurance policy expires. This discount can save up to 10%.
- Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
- Discounts for Seat Belt Usage – Requiring all passengers to wear their seat belts can save a little off the medical payments premium.
We need to note that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, you aren’t that lucky.
A partial list of companies that may offer quotes with these benefits may include but are not limited to:
Before buying, ask each company or agent which discounts can lower your rates. Savings may not be available in Atlanta. If you would like to choose from a list of insurance companies with discount car insurance rates in Georgia, click here.
When price shopping your coverage, comparing more quotes helps locate lower pricing. Some insurance companies are not set up to provide online price quotes, so it’s necessary to compare price quotes from those companies as well.
The auto insurance companies shown below are ready to provide free rate quotes in Atlanta, GA. If multiple providers are shown, we suggest you visit two to three different companies to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $108 | $220 | $370 | $22 | $110 | $830 | $69 |
| Ranger XL SuperCab 2WD | $186 | $332 | $414 | $24 | $124 | $1,080 | $90 |
| Ranger XLT 2WD | $164 | $264 | $394 | $24 | $118 | $964 | $80 |
| Ranger XL 2WD | $268 | $462 | $406 | $24 | $122 | $1,282 | $107 |
| Ranger XL SuperCab 4WD | $256 | $412 | $402 | $24 | $120 | $1,214 | $101 |
| Ranger XLT SuperCab 2WD | $210 | $476 | $476 | $28 | $142 | $1,332 | $111 |
| Ranger Sport SuperCab 2WD | $206 | $466 | $512 | $30 | $154 | $1,368 | $114 |
| Ranger Sport SuperCab 4WD | $186 | $404 | $444 | $26 | $134 | $1,194 | $100 |
| Ranger XLT SuperCab 4WD | $286 | $600 | $402 | $24 | $120 | $1,432 | $119 |
| Ranger Sport SuperCab 2WD | $254 | $578 | $512 | $30 | $154 | $1,528 | $127 |
| Ranger XLT SuperCab 2WD | $240 | $472 | $406 | $24 | $122 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Prices do not factor in garaging location in Atlanta which can lower or raise prices greatly.
Rate comparison for different deductibles
One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The following insurance rates may aid in understanding how much more you’ll pay between high and low coverage deductibles. The first rate table uses a $100 physical damage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $252 | $502 | $394 | $24 | $118 | $1,315 | $110 |
| Ranger XL SuperCab 2WD | $294 | $502 | $394 | $24 | $118 | $1,357 | $113 |
| Ranger XLT 2WD | $294 | $502 | $394 | $24 | $118 | $1,357 | $113 |
| Ranger XL 2WD | $294 | $502 | $394 | $24 | $118 | $1,357 | $113 |
| Ranger XL SuperCab 4WD | $294 | $502 | $394 | $24 | $118 | $1,357 | $113 |
| Ranger XLT SuperCab 2WD | $294 | $612 | $394 | $24 | $118 | $1,467 | $122 |
| Ranger Sport SuperCab 2WD | $294 | $612 | $394 | $24 | $118 | $1,467 | $122 |
| Ranger Sport SuperCab 4WD | $294 | $612 | $394 | $24 | $118 | $1,467 | $122 |
| Ranger XLT SuperCab 4WD | $294 | $612 | $394 | $24 | $118 | $1,467 | $122 |
| Ranger Sport SuperCab 2WD | $294 | $612 | $394 | $24 | $118 | $1,467 | $122 |
| Ranger XLT SuperCab 2WD | $294 | $612 | $394 | $24 | $118 | $1,467 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $184 | $340 | $394 | $24 | $118 | $1,060 | $88 |
| Ranger XL SuperCab 2WD | $216 | $340 | $394 | $24 | $118 | $1,092 | $91 |
| Ranger XLT 2WD | $216 | $340 | $394 | $24 | $118 | $1,092 | $91 |
| Ranger XL 2WD | $216 | $340 | $394 | $24 | $118 | $1,092 | $91 |
| Ranger XL SuperCab 4WD | $216 | $340 | $394 | $24 | $118 | $1,092 | $91 |
| Ranger XLT SuperCab 2WD | $216 | $414 | $394 | $24 | $118 | $1,166 | $97 |
| Ranger Sport SuperCab 2WD | $216 | $414 | $394 | $24 | $118 | $1,166 | $97 |
| Ranger Sport SuperCab 4WD | $216 | $414 | $394 | $24 | $118 | $1,166 | $97 |
| Ranger XLT SuperCab 4WD | $216 | $414 | $394 | $24 | $118 | $1,166 | $97 |
| Ranger Sport SuperCab 2WD | $216 | $414 | $394 | $24 | $118 | $1,166 | $97 |
| Ranger XLT SuperCab 2WD | $216 | $414 | $394 | $24 | $118 | $1,166 | $97 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location information which can influence price quotes substantially.
Based on the figures above, using a $100 deductible will cost you roughly $24 more each month or $288 annually than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 17 months between claim filings, you would come out ahead if you choose the higher deductible. Here’s a better example of how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $118 |
| Average monthly premium for $500 deductibles (subtract): | – $94 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One thing to be aware of is that higher deductibles results in more money out-of-pocket when you have to file a claim. That will require some extra savings in order to pay more for the deductible.
Which is the best car insurance?
When buying adequate coverage for your personal vehicles, there really isn’t a one size fits all plan. Every situation is different and your policy should reflect that.
Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.
- Does low annual mileage earn a discount?
- Should I waive the damage coverage when renting a car?
- Do I need PIP coverage since I have good health insurance?
- How much can I save by bundling my policies?
- When should I have rental car coverage?
- What is an umbrella policy?
- Does my insurance cover a custom paint job?
- Should I sign the liability waiver when renting a car?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.
Insurance agents can find coverage gaps
Many drivers still prefer to get professional advice from a licensed agent and that is recommended in a lot of cases A good thing about price shopping on the web is the fact that you can find lower rates but still work with a licensed agent.
Upon completion of this simple form, the coverage information gets sent to participating agents in Atlanta that provide free Atlanta auto insurance quotes for your insurance coverage. You won’t even need to do any legwork since price quotes are sent immediately to you. Get lower rates without requiring a lot of work. If you need to get a price quote from a specific insurance company, you just need to jump over to their website and fill out their quote form.
Finding a good insurance company needs to be determined by more than just a cheap quote. The following questions are important to ask.
- Will high miles depreciate repair valuations?
- How is replacement cost determined on your vehicle?
- Is their price quote a firm figure or are their hidden costs?
- Are they paid to recommend certain coverages?
- How long has their agency been open in Atlanta?
When finding a local agent, you should know the different agency structures from which to choose. Agencies in Atlanta can be classified as either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Agents that elect to be exclusive can only provide pricing for a single company such as American Family, State Farm, and Allstate. Exclusive agents are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually well trained on their products and sales techniques which aids in selling service over price. Some insured continue to use the same agent mostly because of the prominence of the brand and the convenience of having all coverages with one company.
The following are Atlanta exclusive agents that are able to give price quote information.
- Allstate Insurance: Drew Niess
3133 Maple Dr NE Ste 100 – Atlanta, GA 30305 – (404) 477-5500 – View Map - Dorcelin Bazil – State Farm Insurance Agent
2859 N Druid Hills Rd a – Atlanta, GA 30329 – (404) 634-2447 – View Map - Barry Domangue – State Farm Insurance Agent
1355 Peachtree St NE Ste 103 – Atlanta, GA 30309 – (404) 853-3772 – View Map
Independent Agents
Independent insurance agents are not locked into one company so they can write business with many different companies and get you the best rates possible. To transfer your coverage to a different company, your policy is moved internally and you can keep the same agent.
When searching for an agent, it’s recommended you get some free quotes from a couple of independent agencies to get the most accurate price comparison. Many can place coverage with smaller regional carriers which may provide better rates.
Shown below is a list of independent agents in Atlanta that are able to give price quotes.
- Cascade Heights Insurance Agency
833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map - Nationwide Insurance: Tommy Jones Agency
3201 Atlanta Industrial Pkwy NW b220 – Atlanta, GA 30331 – (404) 660-3821 – View Map - Georgia Insurance Brokerage
193 Auburn Ave NE – Atlanta, GA 30303 – (404) 525-1600 – View Map
Affordable car insurance rates are out there
Some insurance providers may not have online rate quotes and many times these smaller companies only sell coverage through independent agents. Lower-priced car insurance in Atlanta can be sourced online as well as from insurance agents, so you should compare both to have the best selection.
Throughout this article, we presented many tips how you can compare Ford Ranger insurance auto insurance rates in Atlanta. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the best auto insurance rates are with some of the lesser-known companies. These smaller insurers can often provide lower premium rates in certain areas than their larger competitors like Progressive and GEICO.
To learn more, feel free to visit the resources below:
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for a Ford Focus in Atlanta? (FAQ)
- Who Has Cheap Atlanta Car Insurance Rates for a Hyundai Santa Fe? (FAQ)
- Who Has Cheap Auto Insurance for Infrequent Drivers in Atlanta? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Escape in Atlanta? (FAQ)
- Who Has Affordable Auto Insurance for a Dodge Ram in Atlanta? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- What is a Telematics Device? (Allstate)
- Tread Depth and Tire Safety (State Farm)
- Think You’re a Safe Driver? (State Farm)