Compare 2015 Ford Transit Connect Car Insurance Rates

If shopping for insurance quotes online is new to you, you can be confused insurance agents and companies who all claim to have the lowest rates.

It’s a good idea to compare prices before your policy renews because rates change regularly. Just because you found the best rate for Transit Connect coverage a year ago you will most likely find a better price today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the best way to eliminate unnecessary coverages and save money.

If you currently have a car insurance policy, you should be able to save some money using this strategy. Finding the best protection is quite easy. But vehicle owners do need to understand the way insurance companies price online insurance and apply this information to your search.

Compare auto insurance price quotes

Comparing auto insurance rates is a ton of work if you don’t utilize the easiest way. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

Many popular insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and each company then gives them pricing for coverage. This system prevents you from having to do form submissions to each company.

To compare rates now click here to start a free quote.

The only drawback to getting quotes like this is that consumers can’t choose which providers to get pricing from. So if you want to choose specific insurance companies to compare prices, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverages and limits for each comparison quote. If the quotes have higher or lower deductibles it’s not possible to make an equal comparison. Quoting even small variations in coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that comparing more quotes will enable you to find the best price.

Six factors that affect insurance rates

Many different elements are used when you get your auto insurance bill. Some are pretty understandable like your driving record, but some are not quite as obvious like your vehicle usage or how safe your car is.When buying insurance it’s important to understand some of the things that play a part in calculating your premiums. If you know what influences your rates, this allows you to make good choices that may result in lower rates.

  • City traffic equals higher prices – Residing in a rural area is a good thing when talking about insurance. Urban drivers have traffic congestion and longer commute times. Fewer drivers means fewer accidents and a lower car theft rate.
  • High insurance claims frequency drives up rates – Insurance companies generally give the lowest premiums to people who file claims infrequently. If you tend to file frequent claims, you can look forward to higher rates. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Youthful drivers cost more – Young drivers are known to be careless and easily distracted behind the wheel therefore insurance rates are much higher. More mature drivers have been proven to be more responsible, file fewer claims , and are generally more financially stable.
  • Males pay higher costs – The statistics show that females tend to be a little less risky than males. Now that doesn’t mean females are better at driving than males. Women and men have accidents in similar numbers, but the males tend to have more serious accidents. Men also get higher numbers of serious violations like driving under the influence (DUI). Youthful male drivers generally have the highest accident percentage and therefore have the most expensive insurance rates.
  • Cut rates and deter theft – Buying a car with advanced anti-theft systems can earn a premium discount. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all help prevent your car from being stolen.
  • Additional coverages that may be costing you – Insurance policies have a lot of additional coverages that can waste your money when buying insurance. Things like rental car coverage, towing, and term life insurance may not be needed and are just wasting money. They may seem good when buying your policy, but if they’re wasting money get rid of them and save.

Take policy discounts and save

Car insurance is not inexpensive, but you may qualify for discounts that many people don’t even know exist. Certain credits will be shown at the time you complete a quote, but some need to be manually applied before you will receive the discount.

  • Low Miles Discount – Keeping the miles down on your Ford could earn lower premium rates on the low mileage vehicles.
  • Homeowners Pay Less – Owning a house may earn you a small savings because maintaining a house means you have a higher level of financial diligence.
  • ABS Brakes – Vehicles that have anti-lock braking systems prevent accidents and will save you 10% or more.
  • Driver Safety – Taking part in a course teaching safe driver skills could earn you a small percentage discount and make you a better driver.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • Good Grades Discount – Maintaining excellent grades can save 20 to 25%. The good student discount can last well after school through age 25.
  • Paperwork-free – A handful of car insurance companies will give a small break shop insurance digitally online.
  • Passenger Safety Discount – Cars that have air bags or motorized seat belts may qualify for discounts of 25 to 30%.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education as it will make them better drivers and lower rates.
  • Active Military Service – Having a deployed family member could qualify you for better prices.

Discounts save money, but please remember that some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

If you would like to view insurance companies with discount rates, click this link.

Which policy gives me the best coverage?

When buying the best auto insurance coverage, there is no one size fits all plan. Each situation is unique.

For instance, these questions may help you determine whether or not you could use an agent’s help.

  • Does insurance cover damages from a DUI accident?
  • Is my teenager covered with friends in the car?
  • Am I covered by my spouse’s policy after a separation?
  • Should I sign the liability waiver when renting a car?
  • What if I don’t agree with a claim settlement offer?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage information

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as surgery, chiropractic care and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage

This coverage pays for damage to your Transit Connect resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Transit Connect.

Due to the fact that many drivers carry very low liability coverage 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. Normally these coverages are similar to your liability insurance amounts.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, theft, damage from getting keyed and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability

This coverage can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like attorney fees, repair costs for stationary objects, pain and suffering, bail bonds and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Feed the piggy bank

Some insurance providers may not offer rate quotes online regional insurance providers work with independent agencies. Budget-friendly insurance coverage can be bought on the web as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money.

Insureds switch companies for a variety of reasons including lack of trust in their agent, extreme rates for teen drivers, policy cancellation and high prices. Regardless of your reason for switching companies, switching companies is not as hard as you think.

When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced full coverage only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at the best possible price while still protecting your assets.

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