Compare 2012 Ford Transit Connect Car Insurance Quotes

Paying for pricey Ford Transit Connect insurance can take a big chunk out of your personal savings and force you to cut corners elsewhere. Performing a rate comparison can be a smart way to reduce premiums and put more money in your pocket.

With so many insurance coverage companies to choose from, it is very difficult to choose a lower cost insurance company.

It’s a good idea to quote other rates occasionally since insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal for Transit Connect coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because we’re going to demonstrate the fastest and easiest way to reduce your cost while improving coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. Essentially every driver who is shopping for auto insurance will be able to save money. Nevertheless, drivers do need to understand how insurance companies market on the web because it can help you find the best coverage.

Affordable car insurance quotes online

Effectively comparing car insurance prices can be exhausting if you don’t understand the most efficient way to do it. You can waste hours driving to insurance agencies in your area, or you could save time and use online quoting to get pricing more quickly.

Most major companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each company then returns a price quote determined by their information. This saves time by eliminating quote forms to every company.

To access this free quoting program, click here to start a free quote.

One minor caviat to doing it this way is you cannot specify the providers to get pricing from. So if you prefer to choose from a list of companies to request quotes from, we have a page of car insurance companies in your area. Click here to view list.

Whichever method you choose, be sure you’re using identical coverage limits and deductibles with every price quote. If your comparisons have unequal deductibles or liability limits it’s not possible to make a fair comparison for your Ford Transit Connect. Quoting even small variations in coverage limits can mean a large discrepancy in price. Keep in mind that comparing a wide range of rates helps improve the odds of finding lower pricing.

Car insurance policy discounts you can’t miss

Some insurance providers don’t always list every policy discount very clearly, so the list below contains both the well known and the harder-to-find credits available to lower your premiums when you buy car insurance online.

  • Government Employees – Active or former government employment could provide a small rate reduction for Transit Connect coverage with certain companies.
  • Multi-Vehicle Discounts – Buying insurance for several vehicles with the same company qualifies for this discount.
  • Organization Discounts – Being in specific professional or occupational memberships or organizations is a good way to get lower rates on your bill.
  • Defensive Driver Discount – Successfully completing a defensive driving course may get you a small discount if your company offers it.
  • First Accident Forgiveness – Not really a discount, but some companies like Progressive, Allstate, and Geico allow you one accident without the usual rate increase if you have no claims before the accident.
  • Paper-free Discount – Some of the larger companies will give you a small discount for buying your policy online.
  • Fewer Miles Equal More Savings – Driving less may enable drivers to earn substantially lower premium rates.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education as it can save substantially.
  • Data Collection Discounts – People who choose to allow their company to analyze when and where they use their vehicle by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as the data is positive.
  • Discount for Good Grades – A discount for being a good student may save you up to 25%. The good student discount can last up until you turn 25.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, companies don’t profit that way.

Some companies that possibly offer most of these discounts include:

Check with each company or agent which discounts you qualify for. Some discounts listed above may not apply to policyholders in your state. To choose companies that provide some of the discounts listed above, follow this link.

Insurance agents can help

When choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might point out whether your personal situation would benefit from professional advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Do all my vehicles need collision coverage?
  • Does my 2012 Ford Transit Connect qualify for pleasure use?
  • Does coverage extend to Mexico or Canada?
  • Should I have combined single limit or split liability limits?
  • Will filing a claim cost me more?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Why you might pay increased rates

It’s important that you understand some of the elements that aid in calculating the price you pay for car insurance. If you have a feel for what influences your rates, this empowers consumers to make smart changes that will entitle you to lower premium levels. Many different elements are used when you get your auto insurance bill. Most are fairly basic such as your driving history, but others are less apparent like your vehicle usage or how safe your car is.

The following are a few of the “ingredients” that factor into premiums.

  • Lower premiums with alarm systems – Choosing a vehicle that has a built-in theft deterrent system can save you a little every year. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping your car from being stolen.
  • Premiums are affected by your credit score – Your credit score can be an important factor in calculating your car insurance rates. Drivers with high credit scores tend to be better risks to insure than those with lower credit ratings. So if your credit is not that good, you could save money insuring your 2012 Ford Transit Connect by improving your rating.
  • Cars with good safety ratings cost less to insure – Cars with high safety ratings get lower rates. Highly rated vehicles reduce occupant injuries and fewer injuries translates into savings for insurance companies and lower rates for you.
  • Single vs. married – Walking down the aisle helps lower the price on your car insurance policy. Having a spouse usually means you are more stable financially and insurance companies like that married couples file fewer claims.

Car insurance 101

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for surgery, rehabilitation expenses and ambulance fees. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Liability

Liability insurance provides protection from damage that occurs to other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like medical services, pain and suffering, repair costs for stationary objects, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Ford Transit Connect.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, theft, hail damage and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Have the Midas touch

We just covered a lot of techniques to reduce 2012 Ford Transit Connect insurance premium rates online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with the least-expected company. They may have significantly lower prices on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

There are still a few companies who may not have online quoting and many times these regional insurance providers sell through independent agents. Cost effective 2012 Ford Transit Connect insurance is attainable online and from local insurance agents, so you need to compare both in order to have the best chance of saving money.

Additional information is available on the following sites: