It’s an obvious statement that insurance companies don’t want you to look at other companies. Drivers who shop around at least once a year will most likely buy a new policy because there are good odds of finding good coverage at a lower price. A survey found that people who shopped around every year saved $860 a year compared to drivers who never compared prices.
If finding the best price on Ford Ranger insurance in Buffalo is your target objective, knowing how to get rate quotes and compare insurance rates can make it easier to shop your coverage around.
The recommended way to get low-cost auto insurance rates is to annually compare prices from insurers that sell auto insurance in Buffalo.
- Try to comprehend car insurance and the measures you can take to prevent expensive coverage. Many factors that drive up the price like inattentive driving and an unacceptable credit rating can be controlled by making minor driving habit or lifestyle changes.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while independent agents can quote rates from many different companies. Select a company
- Compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Provide notification to your current agent or company of your intent to cancel the current policy and submit the application along with any required down payment for the new coverage. Don’t forget to store the certificate verifying proof of insurance in your vehicle’s glove compartment or console.
A good tip to remember is to try to compare the same amount of coverage on each price quote and and to get quotes from every insurance company. Doing this provides an apples-to-apples comparison and a complete price analysis.
It’s important to know that more quotes will enable you to find more affordable rates.
The car insurance companies shown below have been selected to offer quotes in New York. If you wish to find cheap car insurance in Buffalo, we recommend you visit several of them to get the most competitive price.
Premium rates and analysis
The coverage information displayed next covers estimates of insurance coverage prices for Ford Ranger models. Learning as much as possible about how auto insurance premiums are determined can help customers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $146 | $320 | $344 | $20 | $104 | $934 | $78 |
| Ranger XL SuperCab 2WD | $172 | $320 | $344 | $20 | $104 | $960 | $80 |
| Ranger XLT 2WD | $172 | $320 | $344 | $20 | $104 | $960 | $80 |
| Ranger XL 2WD | $172 | $320 | $344 | $20 | $104 | $960 | $80 |
| Ranger XL SuperCab 4WD | $172 | $320 | $344 | $20 | $104 | $960 | $80 |
| Ranger XLT SuperCab 2WD | $172 | $390 | $344 | $20 | $104 | $1,030 | $86 |
| Ranger Sport SuperCab 2WD | $172 | $390 | $344 | $20 | $104 | $1,030 | $86 |
| Ranger Sport SuperCab 4WD | $172 | $390 | $344 | $20 | $104 | $1,030 | $86 |
| Ranger XLT SuperCab 4WD | $172 | $390 | $344 | $20 | $104 | $1,030 | $86 |
| Ranger Sport SuperCab 2WD | $172 | $390 | $344 | $20 | $104 | $1,030 | $86 |
| Ranger XLT SuperCab 2WD | $172 | $390 | $344 | $20 | $104 | $1,030 | $86 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific zip code location which can increase or decrease rates significantly.
Auto insurance deductibles
One common question asked by Buffalo drivers is how high or low should comp and collision deductibles be. The following tables determine the differences in premium rates between high and low deductibles. The first data table uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $170 | $338 | $264 | $16 | $80 | $893 | $74 |
| Ranger XL SuperCab 2WD | $198 | $338 | $264 | $16 | $80 | $921 | $77 |
| Ranger XLT 2WD | $198 | $338 | $264 | $16 | $80 | $921 | $77 |
| Ranger XL 2WD | $198 | $338 | $264 | $16 | $80 | $921 | $77 |
| Ranger XL SuperCab 4WD | $198 | $338 | $264 | $16 | $80 | $921 | $77 |
| Ranger XLT SuperCab 2WD | $198 | $412 | $264 | $16 | $80 | $995 | $83 |
| Ranger Sport SuperCab 2WD | $198 | $412 | $264 | $16 | $80 | $995 | $83 |
| Ranger Sport SuperCab 4WD | $198 | $412 | $264 | $16 | $80 | $995 | $83 |
| Ranger XLT SuperCab 4WD | $198 | $412 | $264 | $16 | $80 | $995 | $83 |
| Ranger Sport SuperCab 2WD | $198 | $412 | $264 | $16 | $80 | $995 | $83 |
| Ranger XLT SuperCab 2WD | $198 | $412 | $264 | $16 | $80 | $995 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $124 | $228 | $264 | $16 | $80 | $712 | $59 |
| Ranger XL SuperCab 2WD | $144 | $228 | $264 | $16 | $80 | $732 | $61 |
| Ranger XLT 2WD | $144 | $228 | $264 | $16 | $80 | $732 | $61 |
| Ranger XL 2WD | $144 | $228 | $264 | $16 | $80 | $732 | $61 |
| Ranger XL SuperCab 4WD | $144 | $228 | $264 | $16 | $80 | $732 | $61 |
| Ranger XLT SuperCab 2WD | $144 | $278 | $264 | $16 | $80 | $782 | $65 |
| Ranger Sport SuperCab 2WD | $144 | $278 | $264 | $16 | $80 | $782 | $65 |
| Ranger Sport SuperCab 4WD | $144 | $278 | $264 | $16 | $80 | $782 | $65 |
| Ranger XLT SuperCab 4WD | $144 | $278 | $264 | $16 | $80 | $782 | $65 |
| Ranger Sport SuperCab 2WD | $144 | $278 | $264 | $16 | $80 | $782 | $65 |
| Ranger XLT SuperCab 2WD | $144 | $278 | $264 | $16 | $80 | $782 | $65 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Buffalo which can increase or decrease premium rates substantially.
Based on this data, using a $100 deductible will cost you about $17 more each month or $204 for a full year across all Ford Ranger models than opting for the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 24 months between claim filings, you would come out ahead if you elect the higher deductible.
Impact of speeding/accidents on Buffalo auto insurance rates
The illustration below demonstrates how traffic citations and accident claims increase Ford Ranger car insurance costs for different ages of insureds. The prices are based on a married female driver, full coverage, $100 deductibles, and no discounts are factored in.
Full coverage versus liability-only
The information below shows the comparison of Ford Ranger insurance prices when comparing full coverage to liability only. The rate quotes are based on no violations or claims, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no written rule for phasing out physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your Ford Ranger settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after paying your policy deductible. If you are paying more than $400 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some scenarios where dropping physical damage coverage is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Why you need insurance
Despite the potentially high cost of Ford Ranger insurance, insuring your vehicle may be required for several reasons.
- Just about all states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability if you don’t want to risk a ticket. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, it’s most likely the lender will require you to have comprehensive coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Ford at a much higher premium rate and require you to fork over for it.
- Insurance protects both your vehicle and your assets. Insurance will also pay for many types of medical costs incurred in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of buying insurance outweigh the cost, especially for larger claims. Today the average American driver overpays as much as $850 per year so it’s important to compare rates every year to ensure rates are inline.
Car insurance discounts help lower rates for Ford Ranger insurance in Buffalo
Car insurance is easily one of your largest bills, but companies offer discounts to help bring down the price. Some discounts will apply when you purchase, but some discounts are required to be specially asked for before you will receive the discount. If you do not check that you are getting every discount possible, you are just wasting money.
- Early Signing – Some insurance companies reward drivers for switching companies early. It can save you around 10%.
- ABS Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
- Buy New and Save – Adding a new car to your policy is cheaper compared to insuring an older model.
- Defensive Driver – Successfully completing a defensive driver course may get you a small discount and easily pay for the cost of the class.
- Data Collection Discounts – Insureds that choose to allow their company to look at vehicle usage by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as they are good drivers.
- Senior Citizens – Drivers that qualify as senior citizens may receive a small discount on rates.
- Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more than less cautious drivers.
- No Claim Discounts – Insureds who avoid accidents and claims pay less when compared with bad drivers.
Please keep in mind that some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. Despite the appearance that you can get free auto insurance, companies don’t profit that way.
The chart below illustrates the difference between Ford Ranger yearly insurance costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no claims or driving violations, New York 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, safe-driver, multi-car, multi-policy, and homeowner discounts applied.
If you would like to see a list of insurers that have a full spectrum of discounts in Buffalo, click here to view.
Compare prices but buy from a neighborhood Buffalo auto insurance agent
Certain consumers still prefer to sit down and talk to an agent and doing that can be a smart decision A good thing about comparing insurance prices online is that drivers can save money and get lower rates and still choose a local agent.
After completing this short form, your information is instantly submitted to agents in your area who want to provide quotes to get your business. You don’t have to contact an agency since rate quotes are delivered directly to you. You can most likely find cheaper rates and work with a local agent. In the event you want to quote rates from a specific insurance provider, feel free to search and find their rate quote page and fill out their quote form.
Selecting an company requires you to look at more than just the bottom line cost. Here are some questions to ask:
- If you have an accident, will your rates go up?
- Will their companies depreciate repairs to your car based on the mileage?
- What insurance companies do they recommend if they are an independent agent?
- Which insurance company do they prefer to write with?
- Do they have cheaper tiers of coverage?
- Does the agent help file claims?
If you want to buy insurance from a local agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Buffalo agents can either be exclusive or independent (non-exclusive).
Exclusive Agencies
Agents that choose to be exclusive can only place business with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare rates from other companies so they really need to provide good service. Exclusive agents receive extensive training on sales techniques which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from exclusives mostly because of the prominence of the brand and strong financial ratings.
Listed below is a short list of exclusive insurance agents in Buffalo who can help you get price quotes.
- Lou Santiago – State Farm Insurance Agent
557 Niagara St – Buffalo, NY 14201 – (716) 883-5500 – View Map - Marc Scherrer – State Farm Insurance Agent
2165 Sheridan Dr – Buffalo, NY 14223 – (716) 875-0524 – View Map - GEICO Insurance Agent
3835 McKinley Pkwy #2 – Buffalo, NY 14219 – (716) 604-0345 – View Map
Independent Insurance Agents
Independent insurance agents do not have single company limitations so as a result can place your coverage through lots of different companies and find you the best rates. To move your coverage to a new company, your policy is moved internally and that require little work on your part. When searching for an agent, we recommend you get rate quotes from a few independent agents to have the best price comparison. Most can insure with smaller regional carriers which may provide better rates.
Below are independent insurance agents in Buffalo that can give you price quote information.
- Centinello Insurance
1274 Bailey Ave # 1 – Buffalo, NY 14206 – (716) 893-4332 – View Map - Vanner Insurance Agency
11 Pinchot Ct # 2 – Buffalo, NY 14228 – (716) 688-8888 – View Map - Mesi Agency Inc
759 Dick Rd – Buffalo, NY 14225 – (716) 626-3355 – View Map
The coverage is in the details
Having a good grasp of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.
Collision protection
Collision coverage pays for damage to your Ranger caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree, crashing into a building, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible on your Ranger to bring the cost down.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like prosthetic devices, nursing services and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM)
This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many New York drivers only purchase the least amount of liability that is required (New York limits are 25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Liability auto insurance
Liability coverage provides protection from damages or injuries you inflict on a person or their property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/10 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for things like attorney fees, pain and suffering, structural damage, funeral expenses and medical expenses. How much coverage you buy is up to you, but you should buy as large an amount as possible. New York requires minimum liability limits of 25/50/10 but drivers should carry more coverage.
The next chart demonstrates why minimum state limits may not be adequate.
Comprehensive insurance
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as theft, rock chips in glass, falling objects, a tree branch falling on your vehicle and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Affordable car insurance rates are available
Affordable Ford Ranger insurance in Buffalo is possible both online and from local insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who don’t offer rates over the internet and these small, regional companies work with independent agents.
People switch companies for a variety of reasons including being labeled a high risk driver, poor customer service, policy cancellation and even high rates after DUI convictions. Regardless of your reason, finding a great new company is actually quite simple.
As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability coverage limits only to regret at claim time that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.
More detailed car insurance information can be found in the articles below:
- Coverage Information (Progressive Insurance)
- Who Has the Cheapest Buffalo Car Insurance Quotes for High Mileage Drivers? (FAQ)
- Who Has Cheap Car Insurance for a Dodge Ram in Buffalo? (FAQ)
- Who Has Affordable Buffalo Auto Insurance for Good Students? (FAQ)
- Who Has Affordable Buffalo Car Insurance Rates for a Subaru Outback? (FAQ)
- Who Has Cheap Car Insurance Quotes for Retired Military in Buffalo? (FAQ)
- Who Has Cheap Auto Insurance for Unemployed Drivers in Buffalo? (FAQ)
- Who Has Affordable Car Insurance Quotes for Used Cars in Buffalo? (FAQ)
- How Much is Buffalo Auto Insurance for a Hyundai Elantra? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Keeping Children Safe in Crashes Video (iihs.org)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- What are my Rights when Filing a Claim? (Insurance Information Institute)