View 2013 Ford Transit Connect Insurance Quotes

Looking for cheaper car insurance rates for your Ford Transit Connect? Vehicle owners who are new to the process of buying car insurance online may find buying affordable car insurance is nearly impossible.

Smart consumers take time to quote other rates occasionally because insurance prices go up and down regularly. If you had the lowest price on Transit Connect coverage a few years ago you will most likely find a better rate today. Block out anything you think you know about car insurance because we’re going to demonstrate one of the quickest ways to find great coverage at a great price.

Don’t overlook these car insurance discounts

Some companies don’t always advertise all disounts in a way that’s easy to find, so the list below gives a summary of both well-publicized and also the lesser-known discounts that may be available.

  • Full Payment Discount – By paying your entire bill at once instead of making monthly payments you may have a lower total premium amount.
  • Save with a New Car – Adding a new car to your policy may earn a small discount because newer models have to meet stringent safety requirements.
  • Defensive Driver – Participating in a defensive driving course could earn you a small percentage discount if you qualify.
  • No Claims – Good drivers with no accidents get the best car insurance rates when compared to drivers who are more careless.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower rates.
  • Low Miles Discount – Low annual miles can earn better rates on cars that stay parked.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Government Employees – Simply working for the federal government may qualify for a discount when you quote car insurance on Transit Connect coverage with a few car insurance companies.
  • Paperless Signup – A handful of car insurance companies provide a small discount for signing up on your computer.

Remember that most discounts do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, nobody gets a free ride.

The best car insurance companies and some of their more popular discounts are detailed below.

  • State Farm may include discounts for driver’s education, Drive Safe & Save, multiple autos, passive restraint, student away at school, Steer Clear safe driver discount, and accident-free.
  • Esurance discounts include good driver, online shopper, online quote, claim free, Switch & Save, and defensive driver.
  • Progressive has savings for multi-vehicle, good student, multi-policy, homeowner, and continuous coverage.
  • Liberty Mutual offers discounts for safety features, good student, newly married, new graduate, exclusive group savings, and multi-car.
  • Auto-Owners Insurance has discounts for company car, paperless, safe driver, teen driver, mature driver, multiple vehicles, and anti-lock brakes.
  • Geico may have discounts that include multi-vehicle, driver training, military active duty, good student, defensive driver, emergency military deployment, and multi-policy.

If you are trying to find cheaper car insurance quotes, ask all the companies what discounts are available to you. Some of the discounts discussed earlier might not apply in your area. For a list of providers with discount car insurance rates, click this link.

Cheap auto insurance

Most major insurance companies give prices for coverage from their websites. Obtaining pricing is pretty painless because it’s just a matter of typing in your personal and coverage information into a form. After you complete the form, the quote system orders credit information and your driving record and provides a quote based on these and other factors.

Being able to quote online makes comparing rates easy, but the time required to go to many different websites and fill out multiple forms can be a bit repetitive. But it’s necessary to do this in order to get the lowest possible prices on auto insurance.

A better way to compare auto insurance pricing uses one form that analyzes rates from a bunch of companies at once. It saves time, eliminates repetitive work, and makes rate comparisons much simpler. After your information is entered, it is rated and you can select your choice of the quotes that you receive. If you find a better price it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and you will know how your current rates stack up.

To save time and use this form to compare rates, click here to open in a new tab and begin entering your coverage information. If you have coverage now, it’s recommended you type in deductibles and limits as shown on your current policy. Using the same limits helps guarantee you’re receiving a price comparison based on similar coverages.

What affects Ford Transit Connect insurance rates?

Many factors are taken into consideration when pricing auto insurance. Some of the criteria are obvious like your driving record, although some other factors are more transparent like your continuous coverage and annual miles driven.

The items below are some of the most common factors that factor into your premiums.

  • Better drivers pay better rates – Drivers who don’t get tickets get better prices compared to drivers with tickets. Even one chargable violation can increase rates twenty percent or more. Drivers who get severe violations like DUI or reckless driving may be required to file a SR-22 with the DMV in their state in order to legally drive a vehicle.
  • Decrease prices by maintaining coverage – Allowing your car insurance policy to lapse will be a fast way to increase your renewal premiums. In addition to paying higher rates, getting caught without coverage will get you a revoked license or a big fine.
  • Marriage discount – Walking down the aisle may earn you lower rates on your car insurance bill. Having a spouse translates into being more mature and statistics show married drivers tend to file fewer claims.
  • Reduce premiums by driving safer vehicles – Vehicles with good safety scores are cheaper to insure. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If the Ford Transit Connect scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • GPS tracking and theft deterrents reduce premiums – Owning a car that has a built-in theft deterrent system can help bring down rates. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft and help lower rates.
  • See if your company offers a multi-policy discount – The majority of companies allow a discount to customers who have multiple policies with them in the form of a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s still a good idea to comparison shop to help ensure you have the lowest rates. You may still be able to find a better deal even if you have your coverage with different companies
  • Where do you drive? – Driving a lot of miles each year the more you will pay for car insurance. A lot of companies calculate rates based on their usage. Cars that sit idle most of the time cost less to insure than cars that get driven a lot. Having an incorrect usage rating on your Transit Connect is throwing money out the window. Ask your agent if your car insurance coverage properly reflects the correct usage.
  • Lower rates by increasing comp and collision deductibles – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of some claims that would be covered could be a broken windshield, hitting a deer, and rolling your vehicle. The deductibles you choose tell how much you are willing to pay if a covered claim is submitted. The more of the claim you have to pay, the less money you will pay for car insurance on Transit Connect coverage.

When to get professional advice

When buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For example, these questions might point out if you might need an agent’s assistance.

  • Does medical payments coverage apply to all occupants?
  • Do I need roadside assistance coverage?
  • Do I need replacement cost coverage?
  • Is rental equipment covered for theft or damage?
  • Why am I required to get a high-risk car insurance policy?
  • Why am I required to buy high-risk coverage?
  • What discounts do I qualify for?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance 101

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, hitting a bird, theft, a broken windshield and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision insurance

Collision coverage pays for damage to your Transit Connect resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Auto liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like funeral expenses, structural damage and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for prosthetic devices, chiropractic care, doctor visits and EMT expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

A little work can save a LOT of money

People change insurance companies for a variety of reasons including policy cancellation, delays in paying claims, questionable increases in premium and even an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company can be easier than you think.

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut full coverage only to find out they didn’t have enough coverage. The goal is to find the BEST coverage at an affordable rate.

We’ve covered a lot of information how to save on 2013 Ford Transit Connect insurance. The key thing to remember is the more you quote car insurance, the higher your chance of finding cheaper car insurance. You may be surprised to find that the biggest savings come from a lesser-known regional company.

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