2017 Ford Transit Connect Insurance Quotes

Searching for the cheapest auto insurance rates for your Ford Transit Connect? Locating the cheapest insurance for a new or used Ford Transit Connect can normally be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to find auto insurance online so you’re going to learn the proper way to price shop coverage for a new or used Ford and locate the cheapest rates either online or from local insurance agents.

It is always a good idea to get comparison quotes every six months because auto insurance prices are variable and change quite frequently. Just because you had the best deal on Transit Connect insurance at your last renewal there may be better deals available now. Block out anything you think you know about auto insurance because we’re going to demonstrate how to quote online to buy cheaper auto insurance.

Buying more affordable coverage is simple if you know the tricks. If you have a policy now or need new coverage, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Drivers just need to understand the proper way to shop over the internet.

How to buy insurance coverage

Effectively comparing insurance coverage prices can take time and effort if you don’t understand the most efficient way. You can spend countless hours talking about coverages with insurance agencies in your area, or you could use online quotes to maximize your effort.

The majority of car insurance companies enroll in a system that enables customers to enter their coverage request one time, and every company returns a rated price determined by their information. This saves time by eliminating quotation requests for each company. To get comparison pricing now click here to open in new window.

The only drawback to using this type of form is buyers cannot specifically choose the insurers to receive prices from. So if you want to select specific providers to compare rates, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

Whichever way you use, ensure you’re using identical quote data for every quote you compare. If you enter different deductibles it will be very difficult to make an equal comparison.

Cheaper auto insurance rates with discounts

Some providers don’t list their entire list of discounts in a way that’s easy to find, so the following list contains both the well known and the harder-to-find discounts you could be receiving when you buy auto insurance online.

  • Life Insurance – Auto insurance companies who offer life insurance give a break if you buy life insurance from them.
  • Discounts for Multiple Vehicles – Buying coverage for several vehicles with the same company can get a discount on all vehicles.
  • Accident Forgiveness – Not really a discount, but a few companies such as Liberty Mutual and Geico will turn a blind eye to one accident before hitting you with a surcharge if your claims history is clear for a specific time period.
  • Clubs and Organizations – Participating in certain professional organizations could earn you a nice discount when shopping for auto insurance.
  • Discount for Home Ownership – Owning your own home or condo may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Discounts for Responsible Drivers – Drivers who avoid accidents could pay up to 40% less on Transit Connect insurance as compared to drivers with claims.
  • Theft Deterent Discount – Vehicles with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • Accident Free – Claim-free drivers are rewarded with significantly better rates on auto insurance quote as compared to drivers with a long claim history.
  • E-sign – A handful of auto insurance companies give back up to $50 for signing up digitally online.
  • Student Driver Training – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, it’s just not the way it works.

Some companies that may include some of the discounts shown above are:

Double check with every company how many discounts you can get. Some of the discounts discussed earlier may not apply to policies in your area. To find providers with discount rates, click here to view.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might point out whether or not you would benefit from professional advice.

  • How does medical payments coverage work?
  • Does my personal policy cover me when driving out-of-state?
  • Should I get collision insurance on every vehicle?
  • Is my teen driver covered when they drive my company car?
  • What is the rate difference between pleasure use and commuting?
  • Can I still get insurance after a DUI?
  • What should my uninsured motorist coverage limits be in my state?
  • How much liability do I need to cover my assets?
  • Is my custom paint covered by insurance?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance coverages and their meanings

Knowing the specifics of car insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like doctor visits, prosthetic devices, X-ray expenses, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, falling objects and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance – Liability insurance protects you from damage that occurs to other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as pain and suffering, medical expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage – This coverage covers damage to your Transit Connect from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your 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. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are set the same as your liablity limits.

Find Good Coverage for Less

When buying insurance coverage, do not skimp on coverage in order to save money. In too many instances, someone dropped liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

Low-cost 2017 Ford Transit Connect insurance is available both online and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide price quotes online and these small insurance companies only sell coverage through independent insurance agencies.

We just covered a lot of tips how to shop for 2017 Ford Transit Connect insurance online. It’s most important to understand that the more you quote auto insurance, the better likelihood of getting affordable auto insurance. Consumers may even find the best premium rates are with some of the smallest insurance companies.

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