Trying to find cheaper insurance for a new or used Ford Ranger in California can turn out to be an all-consuming task, but you can learn our car insurance buying tips and make it easy. There are more efficient ways to compare car insurance rates and you need to know the absolute fastest way to quote coverages for your Ford and locate the best price possible from both online companies and Santa Ana agents.
It's a good habit to do price comparisons at least once a year since insurance rates change quite often. Just because you had the best rate on Ford Ranger insurance in Santa Ana on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because you're going to get a crash course in the quickest way to find lower rates on car insurance.
Cutting your Santa Ana car insurance rates is not rocket science. You just have to take a couple of minutes comparing rates to see which company has affordable Ford Ranger insurance quotes.
The companies shown below provide free rate quotes in California. If multiple companies are shown, we suggest you visit several of them in order to find the cheapest rates.
Car insurance statistics for a Ford Ranger
The information displayed next highlights estimates of prices for Ford Ranger models. Having a better understanding of how insurance policy premiums are formulated is important for you to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $246 | $464 | $450 | $26 | $134 | $1,320 | $110 |
| Ranger XL SuperCab 2WD | $288 | $464 | $450 | $26 | $134 | $1,362 | $114 |
| Ranger XLT 2WD | $288 | $464 | $450 | $26 | $134 | $1,362 | $114 |
| Ranger XL 2WD | $288 | $464 | $450 | $26 | $134 | $1,362 | $114 |
| Ranger XL SuperCab 4WD | $288 | $464 | $450 | $26 | $134 | $1,362 | $114 |
| Ranger XLT SuperCab 2WD | $288 | $564 | $450 | $26 | $134 | $1,462 | $122 |
| Ranger Sport SuperCab 2WD | $288 | $564 | $450 | $26 | $134 | $1,462 | $122 |
| Ranger Sport SuperCab 4WD | $288 | $564 | $450 | $26 | $134 | $1,462 | $122 |
| Ranger XLT SuperCab 4WD | $288 | $564 | $450 | $26 | $134 | $1,462 | $122 |
| Ranger Sport SuperCab 2WD | $288 | $564 | $450 | $26 | $134 | $1,462 | $122 |
| Ranger XLT SuperCab 2WD | $288 | $564 | $450 | $26 | $134 | $1,462 | $122 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can affect coverage prices significantly.
Policy deductibles
A question often asked by Santa Ana drivers is which comprehensive and collision deductibles to buy. The comparisons below may help to conceptualize how much more rates are when you choose different insurance deductibles. The first rate comparisons uses a $100 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $282 | $564 | $442 | $26 | $132 | $1,471 | $123 |
| Ranger XL SuperCab 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Ranger XLT 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Ranger XL 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Ranger XL SuperCab 4WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Ranger XLT SuperCab 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Ranger Sport SuperCab 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Ranger Sport SuperCab 4WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Ranger XLT SuperCab 4WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Ranger Sport SuperCab 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Ranger XLT SuperCab 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $206 | $382 | $442 | $26 | $132 | $1,188 | $99 |
| Ranger XL SuperCab 2WD | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Ranger XLT 2WD | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Ranger XL 2WD | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Ranger XL SuperCab 4WD | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Ranger XLT SuperCab 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Ranger Sport SuperCab 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Ranger Sport SuperCab 4WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Ranger XLT SuperCab 4WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Ranger Sport SuperCab 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Ranger XLT SuperCab 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in vehicle garaging location which can alter price quotes noticeably.
Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $26 more each month or $312 for a full year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 15 months between claim filings, you would save money by going with a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $132 |
| Average monthly premium for $500 deductibles (subtract): | - $106 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($500 - $100): | $400 |
| Divide difference by monthly savings: | $400 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
The diagram below demonstrates how deductible levels and can influence Ford Ranger yearly insurance costs for different age categories. Data assumes a married female driver, full physical damage coverage, and no discounts are taken into consideration.
Impact of careless driving on car insurance rates
The example below demonstrates how citations and at-fault collisions can raise Ford Ranger insurance costs for each age group. The data is based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.
Do you need full coverage?
The information below shows the difference between Ford Ranger premium costs with and without full coverage. The premiums are based on no violations or claims, $100 deductibles, marital status is single, and no discounts are applied.
When to drop full coverage
There is no clear-cut rule of when to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let's pretend your Ford Ranger replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after the policy deductible has been paid. If you are paying more than $600 annually to have full coverage, then you might want to think about dropping full coverage.
There are a few situations where dropping physical damage coverage is not a good plan. If you haven't satisfied your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.
Discounts for affordable car insurance quotes
Some insurance providers do not list all discounts in a way that's easy to find, so we researched both well-publicized and also the lesser-known discounts that may be available.
- Discounts for New Vehicles - Buying insurance on a new vehicle can cost up to 25% less because new model year vehicles keep occupants safer.
- Life Insurance - Not every insurance company offers life insurance, but if they do you may earn better prices if you take out auto and life insurance together.
- Claim-Free Discount - Drivers with accident-free driving histories are rewarded with significantly better rates on Santa Ana car insurance quote when compared with policyholders that have many claims.
- Theft Deterrent System - Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will qualify for a discount on a Santa Ana car insurance quote.
- ABS Braking Discount - Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more on Ranger insurance in Santa Ana.
- Safety Course Discount - Taking a course in defensive driving could earn you a small percentage discount if you qualify.
- Organization Discounts - Having an affiliation with certain professional organizations could qualify you for a break when shopping for car insurance.
- Discount for Good Grades - This discount can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
As a footnote on discounts, some of the credits will not apply to the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies wouldn't stay in business. Any amount of discount will bring down your premiums.
The information below compares Ford Ranger auto insurance rates with and without discounts applied. The data assumes a female driver, no violations or claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-car, multi-policy, and safe-driver discounts applied.
Insurance companies that may offer policyholders these benefits include:
When quoting, ask each company or agent how you can save money. Savings might not be available to policyholders in Santa Ana. To see insurance companies with the best discounts in California, click this link.
Why you need auto insurance
Despite the high cost, maintaining insurance is most likely required but also gives you several important benefits.
- Almost all states have minimum liability requirements which means you are required to buy a specific level of liability insurance coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Ford Ranger has a loan, most banks will make it mandatory that you buy insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Ford at a much higher premium rate and require you to pay for it.
- Insurance safeguards your Ford Ranger and your assets. Insurance will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of your driving. If you have damage to your Ford as the result of the weather or an accident, your auto insurance policy will pay to repair the damage.
The benefits of carrying adequate insurance more than cancel out the cost, especially when you need to use it. But the average driver in California is overpaying more than $825 a year so compare rates each time the policy renews to help ensure money is not being wasted.
Don't assume everyone needs the same car insurance coverage
Keep in mind that when it comes to choosing the right insurance coverage for your personal vehicles, there really isn't a cookie cutter policy. Coverage needs to be tailored to your specific needs.
For instance, these questions may help highlight whether or not you will benefit from professional help.
- Where can I find DUI or SR-22 insurance?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Are my friends covered when driving my car?
- Why am I required to buy high-risk coverage?
- Is there coverage for injuries to my pets?
- Are there companies who specialize in insuring high-risk drivers?
- Will my rates increase for filing one claim?
- Am I covered by my spouse's policy after a separation?
If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It's fast, free and you can get the answers you need.
Car insurance quotes from local Santa Ana insurance agents
Some people would rather go talk to an agent and we recommend doing that Agents are highly skilled in risk management and help in the event of a claim. An additional benefit of comparing insurance prices online is the fact that drivers can get lower rates and still choose a local agent.
To help locate an agent, after submitting this short form, your information is emailed to participating agents in Santa Ana that give free quotes for your car insurance coverage. It makes it easy because there is no need to contact any agents because prices are sent to you instantly. If you need to get a rate quote for a specific company, you just need to find their quoting web page and give them your coverage information.
Choosing an company requires you to look at more than just a cheap price quote. Here are some questions to ask:
- How would your car be valued if totaled?
- Do you qualify for any additional discounts?
- Will you work with the agent or an assistant?
- What insurance company do they write the most business with?
- Does the company have a solid financial rating?
- Does the company have a local claim office in Santa Ana?
- When do they do policy reviews?
If you want to buy car insurance from local Santa Ana agents, there are two types of insurance agents and how they operate. Car insurance agents in Santa Ana can either be exclusive or independent (non-exclusive). Both can do a good job, but we need to point out how they are different since it can affect the kind of agent you use.
Exclusive Insurance Agencies
These type of agents can only quote rates from one company like State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agencies are well trained on what they offer which aids in selling service over price. Consumers often buy from exclusive agents primarily because of the brand rather than having low rates.
Shown below are Santa Ana exclusive insurance agents who can help you get rate quotes.
- Peggy Bates - State Farm® Insurance Agent
2723 N Bristol St #1 - Santa Ana, CA 92706 - (714) 543-0422 - View Map - Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map - Farmers Insurance: Ray Cheng Insurance Agency Inc.
540 N Golden Cir Dr #315 - Santa Ana, CA 92705 - (888) 395-4847 - View Map
Independent Agents
These agents are not restricted to one company so as a result can place your coverage through lots of different companies and find the cheapest rate. If your agent finds better pricing, they simply move your policy to a different company which is easy for the insured. If you need cheaper car insurance rates, you should always get insurance quotes from a couple of independent agencies to maximize your price options. Most also have access to additional companies that you may not be familiar with which can be an advantage.
Below is a list of independent agents in Santa Ana willing to provide rate quotes.
- SureCo Insurance Agency
201 Sandpointe Ave Suite 600 - Santa Ana, CA 92707 - (866) 845-9815 - View Map - Nuway Insurance Agency Inc.
410 N Bristol St - Santa Ana, CA 92703 - (714) 953-2117 - View Map - Barrett Insurance Agency
1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999 - View Map