Cheap 2016 Ford Transit Van Insurance Quotes

Have you finally had enough of not being able to scrape enough together to buy car insurance? You are in the same boat as many other consumers. Due to the abundance of insurance providers from which to choose, it is hard for the average consumer to pick a more affordable company.

Five tips to get cheaper insurance rates

Many different elements are considered when premium rates are determined. Some factors are common sense like a motor vehicle report, but other factors are more obscure such as whether you are married or your financial responsibility.

  • Lower miles driven equals lower premium – Driving a lot of miles annually the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based on how the vehicle is used. Cars and trucks that have low annual miles receive lower rates than cars that get driven a lot. An improperly rated Transit Van may be wasting your money. Ask your agent if your car insurance declarations sheet reflects the right rating data.
  • Choose high crash test ratings and save – Safe vehicles tend to have better insurance rates. These vehicles reduce occupant injuries and fewer injuries means your insurance company pays less which can result in lower premiums. If your Ford Transit Van is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Save money by having high credit – Having a good credit score will be a significant factor in determining your rates. If your credit rating is lower than you’d like, you may save money insuring your 2016 Ford Transit Van by improving your rating. People that have very good credit scores tend to be more responsible than drivers who have bad credit.
  • Careless driving means higher rates – Your driving record impacts premiums far more than you think. Good drivers pay less for auto insurance than people who have multiple driving citations. Having just one ticket can bump up the cost twenty percent or more. Drivers who have gotten careless tickets such as reckless driving or DUI may be required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
  • Add-on coverages may be wasting money – Policies have extra add-on coverages that you can buy but may not be useful. Things like roadside assistance, death and dismemberment, and Farm Bureau memberships are examples of these. They may sound like good ideas when discussing your needs, but now you might not need them so remove them from your policy.

The cheapest insurance price quotes online

Most companies make it easy to get pricing online. Getting prices online is pretty painless as you just enter your required coverages on the page. After you complete the form, the company’s rating system makes automated requests for your driving record and credit report and provides a quote determined by many factors. Being able to quote online simplifies rate comparisons, but having to visit many different websites and type in the same information gets old quite quickly. But it’s absolutely necessary to do this if you want to find better insurance pricing.

There is a better way to compare rates

An easier way to compare rates requires only one form to obtain quotes from a bunch of companies at once. It saves time, reduces the work, and makes online shopping much more enjoyable and efficient. After sending your information, it is rated with multiple companies and you can pick your choice of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

In order to compare rates using this form now, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you input the coverage information exactly as they are listed on your policy. This makes sure you will have a fair comparison based on similar coverages.

Be skeptical of auto insurance ads

Consumers can’t get away from ads for cheaper auto insurance from companies such as Progressive, Geico, Allstate and State Farm. All the ads try to convey promises of big savings after switching your policy.

That’s great but how can every company claim to save you money?

Most companies are able to cherry pick for a prospective insured that will add to their bottom line. For example, a preferred risk might be described as over the age of 45, carries high limits, and chooses high deductibles. Any new insured that hits that “sweet spot” will probably get cheap car insurance rates and most likely will save some money.

Insureds who don’t qualify for this stringent profile may be required to pay a more expensive rate which translates to the customer buying from someone else. If you listen closely, the ads state “customers who switch” not “all people who quote” save the amount stated. That’s the way insurance companies can confidently state the savings. This really emphasizes why it’s extremely important to compare as many free insurance quotes as you can. It is impossible to guess which auto insurance company will fit your personal profile best.

Discounts for lower-cost insurance rates

Insuring your vehicles can cost a lot, but there may be some discounts that could drop your premiums quite a bit. Some of these disounts will be visible when you quote, but some must be inquired about before you will receive the discount.

  • Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
  • Claim-Free Discount – Drivers with accident-free driving histories can save substantially in comparison to frequent claim filers.
  • Driving Data Discount – Insureds who allow their insurance company to study vehicle usage by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as the data is positive.
  • Pay Early and Save – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • Low Mileage – Low annual miles can earn discounted rates on garaged vehicles.
  • Senior Citizens – Older drivers can possibly qualify for lower premium rates on Transit van coverage.

As a sidenote, many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

Large insurance companies and their possible discounts are shown below.

  • State Farm may offer discounts for multiple policy, safe vehicle, driver’s education, anti-theft, and student away at school.
  • Liberty Mutual includes discounts for new move discount, good student, multi-policy, exclusive group savings, new vehicle discount, newly retired, and safety features.
  • American Family offers discounts including Steer into Savings, defensive driver, air bags, TimeAway discount, and early bird.
  • Progressive may have discounts that include multi-policy, online quote discount, continuous coverage, good student, online signing, and multi-vehicle.
  • Farmers Insurance discounts include pay in full, homeowner, youthful driver, good student, and teen driver.
  • Auto-Owners Insurance offers discounts for multi-policy, safe driver, company car, anti-lock brakes, air bags, good student, and multiple vehicles.
  • SAFECO has savings for anti-theft, safe driver, drive less, bundle discounts, anti-lock brakes, and teen safe driver.

If you need lower rates, check with all companies you are considering which discounts you qualify for. Some credits may not be available in your area. To choose insurance companies that offer multiple discounts, click here to view.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. For instance, these questions can help discover if your situation could use an agent’s help.

  • What is roadside assistance coverage?
  • Is my Ford Transit Van covered if I use it for business?
  • Does my car insurance cover rental cars?
  • When should I buy a commercial auto policy?
  • How do I file an SR-22 for a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?
  • When would I need additional glass coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Parts of your car insurance policy

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages available from car insurance companies.

Collision protection

Collision insurance pays for damage to your Transit Van resulting from a 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 coverage pays for claims like hitting a parking meter, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for doctor visits, surgery, prosthetic devices and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to $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.

Liability coverage protects against things such as pain and suffering, legal defense fees, medical expenses and medical services. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, a tree branch falling on your vehicle, hitting a bird and hail damage. The most 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.

More quotes. Lower rates.

Lower-priced insurance coverage is definitely available on the web and also from your neighborhood agents, so you need to quote insurance with both to have the best rate selection. Some insurance providers don’t offer internet price quotes and usually these small insurance companies only sell through independent insurance agencies.

When getting insurance quotes online, it’s very important that you do not reduce needed coverages to save money. In many instances, drivers have reduced comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best possible price.

You just read many ideas to compare 2016 Ford Transit Van insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even find the best price on insurance coverage is with an unexpected company. These smaller insurers may only write in your state and offer lower car insurance rates as compared to the big name companies such as State Farm, Geico and Nationwide.

More detailed insurance coverage information can be read in the articles below: