How Much Does 2015 Ford Transit Van Insurance Cost?

Shopping for low cost auto insurance can be difficult if you are one of the many people who have never used quote comparisons online. But don’t surrender to high rates because finding cheaper rates is easier than you think.

Locating more affordable auto insurance can be fairly easy. Basically, anyone who buys auto insurance most likely will be able to cut their insurance bill. But vehicle owners must comprehend how big insurance companies determine prices.

These discounts can lower your insurance coverage quotes

Car insurance can cost a lot, but there’s a good chance there are discounts that many consumers don’t even know exist. Most are applied when you quote, but once in a while a discount must be requested specifically prior to getting the savings.

  • Paperwork-free – A few larger online companies will provide an incentive just for signing your application digitally online.
  • No Claims – Drivers who stay claim-free can earn big discounts when compared to frequent claim filers.
  • Onboard Data Collection – Insureds that choose to allow driving data collection to monitor driving habits remotely such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
  • Defensive Driver – Taking time to complete a defensive driver course is a good idea and can lower rates and easily recoup the cost of the course.
  • Buy New and Save – Buying insurance coverage coverage on a new vehicle can cost up to 25% less because newer vehicles keep occupants safer.
  • Low Mileage Discounts – Maintaining low annual mileage can qualify you for better premium rates on cars that stay parked.
  • Military Deployment Discount – Being on active deployment in the military could qualify you for better premium rates.
  • Discount for Swiching Early – Some insurance companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.

As a sidenote, most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Even though it appears it’s possible to get free car insurance, it just doesn’t work that way.

Larger insurance coverage companies and a summarized list of policyholder discounts can be found below.

  • Farmers Insurance may offer discounts for pay in full, homeowner, business and professional, good student, teen driver, and early shopping.
  • State Farm policyholders can earn discounts including passive restraint, Drive Safe & Save, safe vehicle, anti-theft, and driver’s education.
  • Liberty Mutual has savings for exclusive group savings, multi-car, good student, new vehicle discount, and new graduate.
  • MetLife offers discounts for good student, good driver, defensive driver, multi-policy, claim-free, and accident-free.
  • Progressive may include discounts for good student, homeowner, online signing, online quote discount, multi-policy, continuous coverage, and multi-vehicle.

If you want the cheapest auto insurance quotes, ask every insurance company which discounts they offer. Discounts may not be offered in every state. To find insurance companies that offer discounts, click here.

Different people need different car insurance coverages

When choosing coverage, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might point out whether you could use an agent’s help.

  • Do I need added coverage for expensive stereo equipment?
  • What is high-risk coverage and where do I buy it?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is there coverage for injuries to my pets?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I crash into my own garage door?
  • How do I buy GAP insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverage basics

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Auto liability

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical services, repair costs for stationary objects, bail bonds, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Ford Transit Van.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as dental work, surgery and ambulance fees. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, damage from flooding, theft, rock chips in glass and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Saving money makes a lot of cents

We’ve covered a lot of information how to lower your 2015 Ford Transit Van insurance rates. The most important thing to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from an unexpected company.

Budget-friendly auto insurance is available online and with local insurance agents, so you should compare both in order to have the best chance of saving money. A few companies may not have the ability to get quotes online and these smaller companies only sell through independent agents.

People leave their current company for a variety of reasons including unfair underwriting practices, policy non-renewal, extreme rates for teen drivers or policy cancellation. It doesn’t matter why you want to switch finding a new auto insurance company is less work than it seems.

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