2016 Ford Transit Connect Car Insurance Cost – 10 Tips for Cheapest Prices

Want the cheapest insurance rates for your Ford Transit Connect? Are you burned out from sacrificing to keep your car insured? You’re in the same situation as many other drivers.

Due to the large number of online and local companies to choose from, it is very difficult to pick the best insurance company.

Take advantage of every auto insurance discount

Insuring your fleet can be pricey, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but some must be inquired about before being credited. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • More Vehicles More Savings – Drivers who insure primary and secondary vehicles with the same company could earn a price break for each car.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a good way to get lower rates on your next renewal.
  • Active Military Service – Having a deployed family member may qualify for rate reductions.
  • Discounts for Government Workers – Simply working for the federal government can save as much as 8% for Transit Connect coverage with certain companies.
  • Safety Course Discount – Successfully completing a driver safety class can save you 5% or more and easily recoup the cost of the course.
  • Discount for Low Mileage – Maintaining low annual mileage can earn lower rates on the low mileage vehicles.
  • Bundled Policy Discount – If you have multiple policies with one company they may give you a discount of 10% to 20% off each policy.
  • Claim-Free Discount – Insureds with no claims or accidents can earn big discounts in comparison with drivers who are more careless.
  • Telematics Discount – Insureds that choose to allow data collection to track their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts may get savings of 20% or more.

Remember that many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, you’re out of luck.

Some companies that may offer these discounts include:

If you want low cost insurance coverage quotes, ask every insurance company which discounts you may be entitled to. All car insurance discounts may not be available everywhere.

How to know if you need help

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different and your policy should reflect that. For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • What companies insure drivers after a DUI or DWI?
  • Is my 2016 Ford Transit Connect covered for smoke damage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Are rental cars covered under my policy?
  • Do I need motorclub coverage?
  • At what point should I drop full coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage breakdown

Understanding the coverages of auto insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2016 Ford Transit Connect.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, a broken windshield, hitting a bird, vandalism and damage from getting keyed. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, crashing into a building, colliding with a tree, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses like funeral costs, EMT expenses, surgery and ambulance fees. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverage

This coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like structural damage, bail bonds, court costs and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Make an honest buck

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best cost.

You just read many ways to get a better price on 2016 Ford Transit Connect insurance. It’s most important to understand that the more companies you get auto insurance rates for, the higher the chance of saving money. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as Allstate, Geico and Progressive.

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