Shockingly, the vast majority of California insurance customers have remained with the same insurance company for more than four years, and roughly 40% of drivers have never even shopped around for cheap coverage. Many drivers in the U.S. could save an average of roughly $850 each year by just comparing rate quotes, but they assume it’s a waste of time to shop around.
Really, the only way to find discount car insurance rates in Stockton is to regularly compare prices from different companies who provide auto insurance in California.
- Take a little time to learn about how companies price auto insurance and the factors you can control to lower rates. Many things that increase rates like getting speeding tickets and poor credit history can be rectified by being financially responsible and driving safely. This article gives the details to get cheaper coverage and find discounts that you may qualify for.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while independent agents can quote rates for a wide range of companies.
- Compare the new rate quotes to your current policy and see if there is a cheaper rate in Stockton. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.
One important bit of advice is to try to compare similar limits and deductibles on every price quote and and to get prices from every company you can. Doing this enables a fair price comparison and maximum price selection.
Companies offering Ford Ranger insurance in Stockton
The companies shown below are ready to provide quotes in California. If several companies are displayed, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.
Analysis of coverages
The rate information shown below highlights different insurance costs for Ford Ranger models. Learning how prices are determined can assist in making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ranger XL 2WD | $242 | $554 | $464 | $28 | $138 | $1,426 | $119 |
| Ranger XL SuperCab 2WD | $284 | $554 | $464 | $28 | $138 | $1,468 | $122 |
| Ranger XLT 2WD | $284 | $554 | $464 | $28 | $138 | $1,468 | $122 |
| Ranger XL 2WD | $284 | $554 | $464 | $28 | $138 | $1,468 | $122 |
| Ranger XL SuperCab 4WD | $284 | $554 | $464 | $28 | $138 | $1,468 | $122 |
| Ranger XLT SuperCab 2WD | $284 | $672 | $464 | $28 | $138 | $1,586 | $132 |
| Ranger Sport SuperCab 2WD | $284 | $672 | $464 | $28 | $138 | $1,586 | $132 |
| Ranger Sport SuperCab 4WD | $284 | $672 | $464 | $28 | $138 | $1,586 | $132 |
| Ranger XLT SuperCab 4WD | $284 | $672 | $464 | $28 | $138 | $1,586 | $132 |
| Ranger Sport SuperCab 2WD | $284 | $672 | $464 | $28 | $138 | $1,586 | $132 |
| Ranger XLT SuperCab 2WD | $284 | $672 | $464 | $28 | $138 | $1,586 | $132 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates significantly.
Policy deductibles
When comparing insurance rates, the most common question is which deductibles should you choose. The comparison tables below can help you visualize the premium difference when you select higher and lower physical damage coverage deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second price table 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 multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price estimates do not factor in garaging location in Stockton which can change premium rates considerably.
Based on these figures, using a $100 deductible will cost you about $26 more each month or $312 a year than buying the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 15 months between claims, you would more than likely save some money if you decide on a higher deductible.
Full coverage versus liability only rates
The chart below visualizes the comparison of Ford Ranger annual premium costs with full physical damage coverage and with liability coverage only. The data assumes no violations or accidents, $1,000 deductibles, drivers are not married, and no discounts are applied.
When to stop buying comprehensive and collision coverage
There is no definitive guideline to stop buying comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your Ford Ranger replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after the deductible is paid. If you are paying over $200 a year for physical damage coverage, then it might be time to buy liability only.
There are some scenarios where only buying liability is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Determine discounts on Stockton car insurance
Companies do not advertise every policy discount very well, so the next list breaks down some of the best known and the more hidden savings tricks you should be using when you buy Stockton auto insurance online.
- No Claims – Insureds who avoid accidents and claims can earn big discounts as compared to insureds who have frequent claims or accidents.
- Own a Home and Save – Simply owning a home may trigger a policy discount on car insurance due to the fact that maintaining a home demonstrates responsibility.
- Drive Less and Save – Keeping the miles down on your Ford may enable drivers to earn substantially lower car insurance rates.
- Discount for Swiching Early – Select car insurance companies give a discount for switching to them before your current expiration date. The savings is around 10%.
- Senior Citizen Rates – Older drivers can get a slight reduction on a Stockton auto insurance quote.
- Driver Safety – Taking time to complete a driver safety class may get you a small discount and make you a better driver.
- Student in College – College-age children who live away from home to go to college and leave their car at home could get you a discount.
It’s important to note that many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, it just doesn’t work that way.
The chart below compares Ford Ranger auto insurance rates with and without discounts applied to the rates. The information is based on a female driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $1,000 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, multi-policy, and safe-driver discounts applied.
If you would like to choose from a list of insurance companies that offer discounts in Stockton, follow this link.
Insurance agent or online?
Many people would rather talk to an insurance agent and that is just fine! One of the best bonuses of comparing insurance prices online is you can get cheap insurance quotes and still choose a local agent.
To help locate an agent, after submitting this form (opens in new window), your information is instantly submitted to insurance agents in Stockton who will give you bids for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies due to the fact that quote results will go straight to your inbox. You can get cheaper insurance rates and an insurance agent to talk to. If you have a need to quote rates from a specific insurance provider, you just need to search and find their rate quote page to submit a rate quote request.
Picking the best company is decision based upon more than just a cheap quote. Get answers to these questions too.
- Does the agent recommend any additional coverage?
- Do you work with a CSR or direct with the agent?
- In the event of vehicle damage, can you pick the collision repair facility?
- Is every driver in your family covered?
- By raising physical damage deductibles, how much would you save?
- Is the quote a firm price?
- Is the agency involved in supporting local community causes?
- Is the agent properly licensed in California?
If you are searching for a reliable agent, it can be helpful to understand the types of insurance agents that you can select. Insurance agencies are considered either exclusive or independent.
Exclusive Insurance Agents
Agents in the exclusive channel can only place business with one company like State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are well schooled on their products and sales techniques which helps offset the inability to provide other markets. A lot of people use the same exclusive agent primarily because of the brand name and the convenience of having all coverages with one company.
The following are Stockton exclusive agencies that are able to give comparison quotes.
- Don Widmer – State Farm Insurance Agent
2155 W March Ln a – Stockton, CA 95207 – (209) 951-4008 – View Map - Angel Sepulveda – State Farm – Stockton
6838 Pacific Ave – Stockton, CA 95207 – (209) 952-2154 – View Map - Farmers Insurance – Manuel Luna
445 W Weber Ave #225 – Stockton, CA 95203 – (209) 957-8675 – View Map
Independent Insurance Agents
These type of agents do not write with just one company so they can quote policies through many companies and find the cheapest rate. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part.
When searching for an agent, we recommend you get rate quotes from at least one independent agent for the best price selection. Most can insure with companies you’ve never heard of that many times have cheaper rates.
Listed below is a short list of independent agencies in Stockton who can help you get comparison quotes.
- RVA Insurance Agency, Inc
1341 West Robinhood Drive, ste A-1 – Stockton, CA 95207 – (209) 898-0650 – View Map - Insurance Services of Stockton
1150 W Robinhood Dr # 1A – Stockton, CA 95207 – (209) 474-6174 – View Map - Protection Providers Insurance Agency
304 W Harding Way – Stockton, CA 95204 – (209) 466-1072 – View Map
Find affordable rates by being thorough
While you’re price shopping online, you should never reduce needed coverages to save money. In too many instances, drivers have reduced collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the best price while still protecting your assets.
People who switch companies do it for a number of reasons such as questionable increases in premium, policy non-renewal, an unsatisfactory settlement offer or being labeled a high risk driver. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.
In this article, we presented some good ideas how to get a better price on Ford Ranger insurance in Stockton. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the lowest premium rates are with some of the lesser-known companies.
To learn more, take a look at the following helpful articles:
- How do I File a Claim? (Insurance Information Institute)
- What Auto Insurance is Cheapest for Drivers with Bad Credit in Stockton? (FAQ)
- Who Has Cheap Auto Insurance Rates for College Students in Stockton? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers Over Age 70 in Stockton? (FAQ)
- How Much are Stockton Car Insurance Quotes for a Toyota Tundra? (FAQ)
- What Insurance is Cheapest for First-time Drivers in Stockton? (FAQ)
- Who Has Affordable Auto Insurance Rates for 17 Year Olds in Stockton? (FAQ)
- What Auto Insurance is Cheapest for a Hyundai Santa Fe in Stockton? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Anti-Lock Brake FAQ (iihs.org)
- Red Light Cameras (State Farm)