Shockingly, almost 70% of drivers renewed their policy with the same company for four years or more, and virtually 40% of consumers have never shopped around. With the average premium in California being $1,400, drivers can cut their rates by almost $469 a year, but most tend to underestimate the benefits if they bought a different policy.
The best way we recommend to get the cheapest car insurance rates in Fresno is to annually compare prices from companies who can sell car insurance in California. Rates can be compared by following these steps.
First, take a few minutes and learn about how companies set rates and the changes you can make to drop your rates. Many policy risk factors that cause rate increases like traffic tickets, fender benders, and an unacceptable credit history can be rectified by making minor changes in your lifestyle.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can quote rates from multiple companies.
Third, compare the quotes to the premium of your current policy to see if a cheaper price is available in Fresno. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.
Fourth, provide proper notification to your current company of your decision to cancel your current car insurance policy. Submit the signed application along with the required initial payment to your new company or agent. As soon as you receive it, put the certificate verifying coverage with the vehicle registration.
The most important part of this process is that you use identical coverages on each quote request and and to get price estimates from as many car insurance companies as possible. Doing this helps ensure a fair price comparison and the best rate selection.
We hope to help educate you on how to effectively get price quotes and some money-saving tips. If you already have coverage, you stand a good chance to be able to buy cheaper car insurance using the following tips. Nevertheless, California drivers should learn the way companies sell online and use this information to your advantage.
It’s important to know that more quotes gives you a better chance of getting a better price.
The companies in the list below are our best choices to provide comparison quotes in California. To locate the best cheap car insurance in Fresno, it’s a good idea that you get price quotes from several of them in order to get a fair rate comparison.
Auto insurance data for a Ford Ranger
The rate information displayed below outlines different insurance costs for Ford Ranger models. Having a better idea how policy rates are established can assist in making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $178 | $374 | $464 | $28 | $138 | $1,182 | $99 |
| Ranger XL SuperCab 2WD | $208 | $374 | $464 | $28 | $138 | $1,212 | $101 |
| Ranger XLT 2WD | $208 | $374 | $464 | $28 | $138 | $1,212 | $101 |
| Ranger XL 2WD | $208 | $374 | $464 | $28 | $138 | $1,212 | $101 |
| Ranger XL SuperCab 4WD | $208 | $374 | $464 | $28 | $138 | $1,212 | $101 |
| Ranger XLT SuperCab 2WD | $208 | $454 | $464 | $28 | $138 | $1,292 | $108 |
| Ranger Sport SuperCab 2WD | $208 | $454 | $464 | $28 | $138 | $1,292 | $108 |
| Ranger Sport SuperCab 4WD | $208 | $454 | $464 | $28 | $138 | $1,292 | $108 |
| Ranger XLT SuperCab 4WD | $208 | $454 | $464 | $28 | $138 | $1,292 | $108 |
| Ranger Sport SuperCab 2WD | $208 | $454 | $464 | $28 | $138 | $1,292 | $108 |
| Ranger XLT SuperCab 2WD | $208 | $454 | $464 | $28 | $138 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in vehicle garaging location which can lower or raise premium rates substantially.
Insurance rate increases from tickets or accidents
The information below highlights how speeding tickets and at-fault fender-benders drive up Ford Ranger annual premium costs for different age groups of insureds. The price estimates are based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
Ford Ranger insurance rates: Men versus women
The illustration below visualizes the comparison of Ford Ranger car insurance costs for male and female drivers. The premiums assume no violations or claims, comp and collision included, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Choosing the best vehicle insurance in California is an important decision
Even though it can be expensive, maintaining insurance may be required and benefits you in several ways.
- Almost all states have mandatory insurance requirements which means the state requires specific limits of liability protection in order to license the vehicle. 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 you have a lien on your vehicle, almost every bank will stipulate that you have physical damage coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may insure your Ford at a significantly higher premium and require you to pay for the expensive policy.
- Car insurance preserves both your assets and your Ford Ranger. It will also pay for all forms of medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of buying car insurance greatly outweigh the cost, particularly for liability claims. According to a recent study, the average American driver is currently overpaying as much as $850 per year so compare rate quotes at every policy renewal to ensure rates are inline.
How to Lower Your Insurance Premiums
Many factors are part of the equation when you get a price on insurance. Some factors are common sense like your driving record, but other criteria are less obvious like your continuous coverage or how financially stable you are. When buying car insurance it’s important to understand some of the elements that help calculate the price you pay for car insurance. When consumers understand what impacts premium levels, this enables informed choices that will entitle you to lower premium levels.
The items below are a few of the things that factor into your rates.
- Raising coverage deductibles saves money – Comp and collision deductibles state the amount of money you are willing to pay if a covered claim is submitted. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be colliding with a stationary object, vandalism, and damage caused by road hazards. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be.
- Remove unneeded extra coverages – Insurance policies have a lot of extra bells and whistles you can purchase but may not be useful. Add-on coverages like personal injury protection, death and dismemberment, and Farm Bureau memberships are some examples. These coverages may sound good initially, but if you don’t need them get rid of them and save.
- Safer cars means cheaper insurance – Safer cars cost less to insure. These vehicles reduce injuries and fewer serious injuries means less money paid by your insurance company and lower rates for you.
- Never let your car insurance expire – Allowing your coverage to lapse is a sure-fire way to trigger a rate increase. Not only will rates go up, getting caught without coverage could earn you fines and jail time. You may then be required to file a SR-22 with the California DMV.
- Big cities mean more claims – Living in small towns and rural areas has it’s advantages when buying car insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. People in densely populated areas have to deal with much more traffic and longer commute times. More time on the road means higher likelihood of an accident.
-
More performance means more cost – The type of car or truck you drive makes a huge difference in your rates. Lower performance four cylinder passenger cars usually are quite affordable to insure, but your final cost has many other factors.
The data below assumes a single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The data compares Ford Ranger car insurance rates compared to other models that have different risk factors.
- Your car’s features help determine car insurance rates – Buying a car with a theft deterrent system can help bring down rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
Best auto insurance in Fresno
Ending up with the best auto insurance provider is difficult considering how many companies are available to choose from in California. The ranking information in the next section could help you pick which insurers to look at comparing price quotes from.
Top 10 Fresno Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Fresno Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
In Summary
Budget-conscious Ford Ranger insurance can be bought from both online companies and also from your neighborhood Fresno agents, so get free Fresno auto insurance quotes from both of them to have the best chance of lowering rates. Some auto insurance companies may not provide online rate quotes and usually these small, regional companies work with independent agents.
Drivers change insurance companies for many reasons like an unsatisfactory settlement offer, being labeled a high risk driver, poor customer service or high prices. It doesn’t matter what your reason, finding a great new company can be less work than you think.
When searching for cheaper Fresno auto insurance quotes, never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
Additional detailed information can be found at these sites:
- Bodily Injury Coverage (Liberty Mutual)
- Who Has Cheap Car Insurance Quotes for College Students in Fresno? (FAQ)
- Who Has the Cheapest Auto Insurance for Real Estate Agents in Fresno? (FAQ)
- What Insurance is Cheapest for Immigrants in Fresno? (FAQ)
- How Much is Fresno Auto Insurance for First-time Drivers? (FAQ)
- What Auto Insurance is Cheapest for a Ford Fusion in Fresno? (FAQ)
- How Much is Fresno Auto Insurance for a Hyundai Elantra? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Dodge Grand Caravan in Fresno? (FAQ)
- Who Has Affordable Auto Insurance for Good Students in Fresno? (FAQ)
- Who Has Affordable Fresno Car Insurance Rates for Young Drivers? (FAQ)
- Neck Injury FAQ (iihs.org)
- Understanding Rental Car Insurance (Insurance Information Institute)