How Much Does 2017 Ford Transit Wagon Insurance Cost?

Want lower auto insurance rates? Drivers have many options when trying to find affordable Ford Transit Wagon insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to compare rates. There is a right way and a wrong way to buy auto insurance and you need to know the best way to compare rates on a Ford and obtain the lowest possible price.

How to lower your car insurance cost

All major car insurance companies like Allstate and Progressive make it easy to get prices from their websites. This process is pretty painless as you simply enter your coverage preferences into the quote form. Once entered, the quote system sends out for credit information and your driving record and generates pricing information based on many factors.

Quoting online makes it a lot easier to compare rates but the time it takes to visit several different sites and type in your information can be a bit tiresome and repetitive. But it’s very important to do this in order to get a better rate.

A quicker way to lower your car insurance bill uses just one form that gets price quotes from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes online shopping much more enjoyable. As soon as you send your information, it is rated with multiple companies and you can pick your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

To get comparison pricing now, click here to open in a new tab and fill out the form. If you have coverage now, it’s recommended you input your coverages just like they are on your policy. This makes sure you are getting a rate comparison for similar coverage.

Get cheap insurance costs by understanding these factors

Many factors are used in the calculation when you get a price on insurance. Some are obvious like an MVR report, but others are less apparent such as whether you are married or your commute time.When buying car insurance it’s important to understand the different types of things that play a part in calculating your premiums. When you understand what impacts premium levels, this helps enable you to make changes that will entitle you to cheaper rates.

The items below are just a few of the factors companies use to determine your prices.

  • Theft deterrents lowers prices – Selecting a car model with a theft deterrent system can save you some money. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft and help lower rates.
  • Having a spouse can lower costs – Having a significant other may cut your premiums compared to being single. Having a spouse means you’re more financially stable and insurance companies like that married drivers tend to have fewer serious accidents.
  • Your stress level may be raising your prices – Did you know your car insurance rates can be affected by your occupation? Jobs such as doctorsair traffic controllers and financial analysts generally pay higher rates than the rest of us due to high stress levels and lots of time spent away from family. On the other hand, occupations like professors, athletes and the unemployed pay lower than average rates for Transit Wagon coverage.
  • Drive less and save – The more you drive your Ford each year the higher your rate. A lot of insurance companies charge to insure your cars based upon how much you drive. Vehicles not used for work or commuting receive lower rates than vehicles that have high annual mileage. Having an incorrect usage rating on your Transit Wagon may be costing you. It’s a good idea to make sure your car insurance declarations sheet shows the right rating data.
  • Consolidate home and auto and save – Lots of companies apply lower prices for people who buy several policies from them. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to compare other company rates to help ensure you have the lowest rates.
  • Gender as a rate factor – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both genders cause fender benders at a similar rate, but the males have accidents that have higher claims. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Male teenagers cause the most accidents so they pay the highest premiums.
  • Accidents inflate costs – Careful drivers tend to pay less for car insurance than their less careful counterparts. Having just one moving violation can increase the cost of insurance to the point where it’s not affordable. Drivers with license-revoking citations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state in order to continue driving.

Verify you’re receiving every discount

Car insurance companies don’t necessarily list all possible discounts very clearly, so the below list has a few of the more common and the more hidden discounts that may be available.

  • Home Ownership Discount – Simply owning a home can get you a discount because it is proof of financial responsibility.
  • Pay Early and Save – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
  • One Accident Forgiven – This one is not really a discount per se, but some companies like State Farm and Allstate permit an accident without the usual rate increase as long as you don’t have any claims for a set time period.
  • Early Renewal Discounts – Some companies provide a discount for switching to them before your current expiration date. You may see this discount when you get insurance coverage quotes online.
  • Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Onboard Data Collection – Drivers who agree to allow data collection to monitor when and where they use their vehicle remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
  • Military Rewards – Having an actively deployed family member could mean lower insurance rates.
  • E-sign – A few companies may give you up to $50 for buying your policy over the internet.

We need to note that some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

Some companies that may include many of the previously listed discounts may include but are not limited to:

When comparing rates, check with each insurance company which discounts can lower your rates. Depending on the company, some discounts may not be offered in your area. To see insurance companies that offer multiple discounts, click here.

When should I discuss my situation with an agent?

When it comes to buying coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

These are some specific questions can aid in determining whether you will benefit from professional help.

  • Am I covered if I break a side mirror?
  • What is an SR-22 filing?
  • Does having multiple vehicles earn me a discount?
  • Do I have coverage when using my vehicle for my home business?
  • Should I waive the damage coverage when renting a car?
  • Am I covered when delivering products for my home-based business?
  • Can I afford to buy a different vehicle if my 2017 Ford Transit Wagon is totaled?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Understanding the coverages of insurance can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Collision – Collision insurance pays for damage to your Transit Wagon resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, crashing into a ditch, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for nursing services, chiropractic care, doctor visits, funeral costs and pain medications. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, theft and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance – Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as medical services, court costs, medical expenses, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Summing up your insurance coverage search

Lower-priced 2017 Ford Transit Wagon insurance is attainable online as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not offer internet price quotes and many times these smaller providers provide coverage only through independent insurance agents.

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, poor customer service, policy non-renewal or even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.

When searching for cheap insurance coverage quotes, never buy poor coverage just to save money. There are a lot of situations where an insured cut liability limits or collision coverage and learned later that they should have had better coverage. Your objective should be to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

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