2015 Ford Transit Wagon Insurance Quotes – 9 Ways to Save

Want the cheapest car insurance rates for your Ford Transit Wagon? Price shopping your Driverscar insurance might be a challenge for people new to quoting coverage prices online. With such a large number of companies competing online, it can turn into more work than you anticipated to find the perfect company for you.

If you currently have car insurance, you should be able to reduce your rates substantially using these tips. This information will familiarize you with how car insurance quotes work. But drivers can benefit from knowing the way insurance companies determine prices because it can help you find the best coverage.

Cheap auto insurance

There are multiple methods you can shop for auto insurance but there is one way that is less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Most major companies take part in a program where prospective buyers only type in their quote data once, and every company then gives them pricing based on the submitted data. This eliminates the need for quote forms to each individual auto insurance company. To find out how much you can save on auto insurance click here (opens in new window).

The one downside to pricing coverage this way is you can’t choose which companies you want to price. If you would rather choose from a list of companies to request quotes from, we have a page of companies who write auto insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using the exact same quote data for each quote you get. If you are comparing mixed coverages it will be next to impossible to make a fair rate comparison. Having just a slight variation in insurance coverages or limits may cause a big price difference. Keep in mind that quoting more helps improve the odds of finding lower pricing.

Will you really save $427 on auto insurance?

Auto insurance companies such as Progressive, Allstate and Geico continually stream ads on television and other media. All the ads advertise the message about saving some big amount if you move to their company. How does every auto insurance company save you money? This is the trick they use.

Companies offer their best rates for the type of customer that earns them a profit. A good example of this type of risk profile might be described as a married male, has a clear driving record, and drives a lower-performance vehicle. A customer who fits those characteristics receives the best premium rates and will probably save if they switch.

Insureds who are not a match for the requirements will be quoted higher prices which leads to the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can confidently make those statements.

This really emphasizes why you really need to compare as many free insurance coverage quotes as you can. Because you cannot predict which auto insurance company will give you lower prices than your current company.

Save money by taking advantage of these nine discounts

Companies offering auto insurance don’t always advertise every policy discount in a way that’s easy to find, so we break down a few of the more common as well as the least known credits available to you. If you don’t get every credit you deserve, you are just wasting money.

  • Early Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Good Drivers – Insureds without accidents may receive a discount up to 45% for Transit Wagon insurance than their less cautious counterparts.
  • Life Insurance – Insurance companies who offer life insurance give better rates if you take out some life insurance too.
  • Resident Student – Kids who live away from home to go to college and do not have a car may be insured at a cheaper rate.
  • Renewal Discounts – Select insurance companies give a discount for switching companies before your current expiration date. You may see this discount when you get insurance coverage quotes online.
  • Senior Citizens – Drivers over the age of 55 are able to get a discount up to 10% for Transit Wagon insurance.
  • Buy New and Save – Putting coverage on a new car can get you a discount since new model year vehicles are generally safer.
  • Use Seat Belts – Requiring all passengers to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Anti-theft Discount – Cars equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.

You can save money using discounts, but most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you aren’t that lucky.

The best insurance coverage companies and some of their more popular discounts can be found below.

  • Geico includes discounts for five-year accident-free, seat belt use, air bags, anti-theft, multi-policy, membership and employees, and federal employee.
  • SAFECO has savings for teen safety rewards, teen safe driver, bundle discounts, multi-car, safe driver, and anti-theft.
  • State Farm discounts include passive restraint, Steer Clear safe driver discount, Drive Safe & Save, good student, and student away at school.
  • MetLife may have discounts that include good student, claim-free, accident-free, multi-policy, defensive driver, good driver
  • 21st Century offers discounts including teen driver, homeowners, anti-lock brakes, good student, and theft prevention.
  • Progressive may include discounts for continuous coverage, online signing, online quote discount, multi-policy, good student, and homeowner.

Before buying, ask each insurance company which credits you are entitled to. Some discounts listed above might not be offered in every state.

How much auto insurance do I need?

When choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is a fancy paint job covered?
  • Should I buy full coverage?
  • Am I better off with higher deductibles on my 2015 Ford Transit Wagon?
  • Is my babysitter covered when using my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • What is medical payments coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverage information

Having a good grasp of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring.

Liability insurance – Liability insurance will cover damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as court costs, emergency aid, legal defense fees, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Transit Wagon.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, hitting a mailbox, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for ambulance fees, dental work and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, falling objects and hitting a deer. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

More quotes. Lower rates.

A few companies may not offer rate quotes online and these small, regional companies only sell coverage through local independent agents. Affordable 2015 Ford Transit Wagon insurance can be found online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money.

We just covered a lot of tips how to shop for 2015 Ford Transit Wagon insurance online. It’s most important to understand that the more times you quote, the better likelihood of getting the cheapest insurance coverage. Consumers could even find that the best price on insurance coverage is with a small mutual company.

When shopping online for insurance coverage, you should never skimp on critical coverages to save a buck or two. There have been many situations where someone dropped collision coverage to discover at claim time that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

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