Lower Your 2011 Ford Transit Connect Insurance Quotes

Searching for the cheapest auto insurance rates for your Ford Transit Connect? Have you had enough of scraping the payment together to buy auto insurance? You are in the same boat as millions of other drivers.

Lots of car insurance companies contend for your business, and it can be difficult to compare rates to find the best rates possible.

Smart consumers take time to shop coverage around before your next renewal because prices change regularly. If you had the best deal for Transit Connect coverage two years ago the chances are good that you can find a lower rate quote today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the only way to find great coverage at a great price.

If you currently have car insurance, you will most likely be able to save some money using these methods. Choosing the best insurance company for you is not that difficult. Nevertheless, vehicle owners benefit from understanding the way companies determine prices and use this information to your advantage.

More affordable rates with discounts

Companies offering auto insurance don’t always list all possible discounts very clearly, so the below list has some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

  • Savings for New Vehicles – Buying a new car instead of a used car can save you some money because new model year vehicles keep occupants safer.
  • Lower Rates for Military – Having a deployed family member could trigger a small discount.
  • College Student – Any of your kids who live away from home at college and won’t have access to an insured vehicle could qualify for this discount.
  • 55 and Retired – If you’re over the age of 55, you can get lower premium rates for Transit Connect coverage.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
  • Sign Early and Save – Select insurance companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.

It’s important to understand that many deductions do not apply the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So even though you would think adding up those discounts means a free policy, companies don’t profit that way.

A list of companies and a partial list of their discounts are shown below.

  • State Farm may include discounts for anti-theft, Steer Clear safe driver discount, multiple autos, multiple policy, passive restraint, safe vehicle, and driver’s education.
  • Progressive includes discounts for good student, multi-vehicle, online quote discount, multi-policy, homeowner, and continuous coverage.
  • Travelers discounts include new car, payment discounts, IntelliDrive, multi-policy, and early quote.
  • American Family may offer discounts for accident-free, early bird, good driver, air bags, TimeAway discount, and good student.
  • Liberty Mutual offers discounts including newly married, preferred payment discount, exclusive group savings, new vehicle discount, new move discount, new graduate, and multi-policy.

If you are trying to find affordable car insurance quotes, ask each company or agent which discounts you may be entitled to. Discounts may not be available in your area. If you would like to see a list of providers that offer some of these discounts, click this link.

Ford Transit Connect insurance costs can be reduced

When buying insurance it’s important to understand a few of the rating criteria that aid in calculating the rates you pay for insurance. If you have some idea of what impacts premium levels, this allows you to make good choices that could help you find much lower annual insurance costs.

  • Better prices on safer vehicles – Vehicles that have high safety ratings tend to have better insurance rates. Highly rated vehicles reduce injuries and fewer serious injuries means less money paid by your insurance company which can mean better rates for you. If your Ford Transit Connect earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Rates increase with policy add-ons – Insurance policies have a lot of additional extra coverages that you can get tricked into buying but may not be useful. Insurance for personal injury protection, accident forgiveness, and membership fees are some examples. The coverages may be enticing when buying your policy, but if they’re wasting money get rid of them and save.
  • Cheaper rates with high coverage deductibles – Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Ford. A few examples of covered claims could be a broken side mirror, collision with an animal, or theft. The deductibles you choose define how much the insured will be required to pay in the event of a claim. The more of the claim you choose to pay out-of-pocket, the bigger discount you will receive for Transit Connect coverage.
  • Drive less and pay lower prices – Driving a lot of miles each year the more it will cost to insure it. Most companies calculate prices based upon how much you drive. Cars that have low annual miles can be on a lower rate level than those used for commuting. It’s a smart idea to ensure your vehicle rating reflects the correct driver usage, because it can save money. Having an incorrect usage rating on your Transit Connect is throwing money out the window.
  • More stress means more cost – Did you know your occupation can influence how much you pay for insurance? Occupations such as doctors, executives and accountants tend to have higher rates than average due to high stress and incredibly demanding work hours. On the flip side, jobs like actors, historians and performers generally pay rates lower than average for Transit Connect coverage.

What is the best insurance coverage coverage?

When choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • Are my friends covered when driving my car?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my 2011 Ford Transit Connect covered for smoke damage?
  • Can I still get insurance after a DUI?
  • Will filing a claim cost me more?
  • Am I covered if I break a side mirror?
  • If my 2011 Ford Transit Connect is totaled, can I afford another vehicle?
  • Can I get a multi-policy discount?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most car insurance policies.

Collision coverage

This coverage covers damage to your Transit Connect from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance

Liability insurance will cover damage that occurs to people or other property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as emergency aid, bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and court costs. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Ford Transit Connect.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for nursing services, chiropractic care, prosthetic devices and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

More comparisons equals lower rates

When getting car insurance quotes online, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

In this article, we presented some good ideas how to save on 2011 Ford Transit Connect insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the lowest priced auto insurance comes from some of the lesser-known companies. Smaller companies can often provide lower rates in certain areas compared to the large companies like Allstate, Geico and Progressive.

Much more information about auto insurance can be found at the links below