How Much Does 2014 Ford Transit Connect Car Insurance Cost?

Trying to find better auto insurance rates for your Ford Transit Connect? Searching for better insurance prices for your Ford Transit Connect can normally be a painful process, but you can use a few tricks to save time.

There is a better way to shop for auto insurance so we’re going to tell you the proper way to get price quotes for a new or used Ford and find the lowest possible price from local insurance agents and online providers.

It’s a good habit to get comparison quotes quite often because insurance prices change regularly. Just because you found the best price on Transit Connect coverage six months ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the right way to eliminate unnecessary coverages and save money.

The cheapest insurance coverage price quotes

Performing a rate comparison can be a daunting task if you don’t understand the easiest way. You can spend countless hours talking to insurance companies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Many insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote determined by their information. This eliminates the need for quote forms for each company.

To find out how much you’re overpaying now click to open in new window.

The single downside to comparing rates this way is you don’t know exactly which companies you want pricing from. So if you want to select specific providers to compare, we put together a list of insurance coverage companies in your area. Click here to view list.

Whichever way you use, make absolute certain that you use nearly identical coverages and limits on every quote. If you are comparing higher or lower deductibles you will not be able to determine the best price for your Ford Transit Connect.

Take policy discounts and save

Companies that sell car insurance don’t list every discount they offer in an easy-to-find place, so the following list contains a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • Federal Government Employee – Having worked for a branch of the government may reduce rates when you quote insurance on Transit Connect coverage with select insurance companies.
  • Good Students Pay Less – Being a good student can save 20 to 25%. You can use this discount normally up to age 25.
  • Paper-free Discount – A few insurance companies give back up to $50 shop insurance on the web.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance.
  • Low Miles Discount – Driving less could earn cheaper premium rates.
  • No Charge for an Accident – but a few companies such as Allstate, Progressive, and Geico will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free for a certain period of time.
  • Full Payment Discount – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Anti-theft System – Cars and trucks that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Homeowners Discount – Just being a homeowner can get you a discount because owning a home requires a higher level of personal finance.
  • Memberships – Joining qualifying clubs or civic groups is a good way to get lower rates when shopping for auto insurance.

Don’t be surprised that some of the credits will not apply the the whole policy. Most only cut specific coverage prices like liability and collision coverage. Just because it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

To find providers with the best discounts, follow this link.

Which policy gives me the best coverage?

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if your insurance needs may require specific advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How much can I save by bundling my policies?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I waive the damage coverage when renting a car?
  • Am I covered if hit by an uninsured driver?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to buy liability insurance?
  • Do I need roadside assistance coverage?
  • What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverage specifics

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverages

This provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, emergency aid, repair costs for stationary objects, medical services and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Transit Connect.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, vandalism and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a parking meter, driving through your garage door, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses such as pain medications, prosthetic devices and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

A tidy conclusion

When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. Too many times, an insured dropped uninsured motorist or liability limits only to find out that it was a big mistake. Your goal should be to find the BEST coverage for the lowest cost and still be able to protect your assets.

Drivers switch companies for many reasons like denial of a claim, high prices, high rates after DUI convictions or policy cancellation. Whatever your reason, choosing a new insurance company is actually quite simple.

In this article, we presented a lot of ways to get a better price on 2014 Ford Transit Connect insurance. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the lowest premium rates are with a small local company.

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