Many affordable auto insurance options are available for Ford Ranger drivers, starting with basic liability-only packages and full coverage with add-ons like roadside assistance and rental car reimbursement.
Full coverage insurance typically packages liability, collision, and comprehensive. These offer first and third-party benefits for broader protections in the event of an at-fault accident.
Liability provides third-party benefits, paying for the cost of damages and injuries sustained by other people or property in an accident you cause. In turn, collision pays for the cost of repairs to your vehicle, no matter who is at fault.
Comprehensive pays for non-collision-related damages caused by natural disasters, falling tree limbs, theft, vandalism, and similar situations.
A full policy offers greater protection than a state minimum liability policy. Even if it costs several hundred dollars more per year, it is well worth it for most people, as a single car accident could easily cause more damage to your vehicle and your passengers than to third parties.
State Minimum Liability
All states require that drivers carry minimum liability for bodily injury and property damage.
For example, Idaho drivers must carry $25,000 in bodily injury per person, $50,000 in total bodily injury per accident, and $15,000 in property damage per accident.
It is highly recommended to opt for the highest liability limits, e.g., 100/300/100. A single accident could be responsible for $120,000 worth of medical bills, lost wages, and close to the same amount of property damage, so Idaho’s liability minimums would be barely enough to cover.
Remember, the higher your liability limits, the less likely you will have to pay for damages and injuries out of pocket.