View 2018 Ford Transit Connect Car Insurance Quotes

Searching for cheaper auto insurance rates for your Ford Transit Connect? Nobody I know gets a kick out of paying for auto insurance, especially when they are aware that their premiums are too high.

Multiple insurers compete to insure your vehicles, so it’s not easy to compare every company to find the best price available.

Smart consumers take time to do price comparisons before your policy renews because auto insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for Transit Connect insurance a couple years back there may be better deals available now. Forget all the misinformation about auto insurance because you’re going to get a crash course in the tricks you need to know to remove unneeded coverages and save money.

These discounts can reduce auto insurance rates

Auto insurance is not an enjoyable expense, but you can get discounts to reduce the price significantly. Some trigger automatically at the time of quoting, but some must be requested specifically before being credited.

  • Lower Rates for Military – Being deployed with a military unit could trigger a small discount.
  • Accident-Free Discounts – Drivers who don’t have accidents pay less when compared to insureds who have frequent claims or accidents.
  • Multi-policy Discount – If you can combine your home and auto policy and insure them both with the same insurance company they may give you a discount of approximately 10% to 15%.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and that can save you a little bit as well.
  • Good Students Pay Less – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, nobody gets a free ride.

A few popular companies and a summarized list of policyholder discounts can be read below.

  • The Hartford may include discounts for driver training, vehicle fuel type, air bag, anti-theft, good student, bundle, and defensive driver.
  • American Family offers premium reductions for bundled insurance, Steer into Savings, air bags, good driver, and TimeAway discount.
  • Progressive has discounts for multi-policy, online signing, homeowner, online quote discount, continuous coverage, and good student.
  • Travelers discounts include hybrid/electric vehicle, IntelliDrive, save driver, payment discounts, and multi-policy.
  • Farmers Insurance may offer discounts for homeowner, teen driver, electronic funds transfer, multi-car, early shopping, and mature driver.
  • USAA has savings for safe driver, good student, loyalty savings, new vehicle, vehicle storage, multi-vehicle, and military installation.
  • Liberty Mutual offers discounts for multi-car, newly retired, newly married, exclusive group savings, and hybrid vehicle.

Double check with every insurance company what discounts are available to you. All car insurance discounts may not be available in your area. To choose providers that provide some of the discounts listed above, follow this link.

Buy insurance coverage online

When shopping for cheap insurance coverage quotes, there are a couple of ways of comparing rate quotes from all the different companies. One of the best ways to find cheaper 2018 Ford Transit Connect rates consists of shopping online. This is very easy and can be done in several different ways.

  1. The single most time-saving way to find low rates would be an industry-wide quote request form click here to open form in new window. This type of form keeps you from doing separate quote forms for every prospective company. Filling out one form gets you price quotes from all major companies.
  2. A more difficult way to get comparison quotes is to manually visit each company’s website and get a separate price quote. For instance, let’s assume you are doing a rate comparison from Geico, Safeco and Allstate. You would be required to visit each site to input your insurance information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
  3. If you have time to kill, the last way to get rate quotes is to spend time driving to insurance agencies in your area. The ability to get quotes online makes this process obsolete unless your situation requires the professional advice of a local agency. If you prefer, some companies allow you to obtain prices from the web and get advice from an agent in your area.

You can use whichever method you prefer to find lower rates, just be certain you are entering apples-to-apples coverage data on every price quote you get. If you are comparing higher or lower deductibles you will not be able to make a fair comparison for your Ford Transit Connect. Having just a slight variation in coverages could throw off the whole comparison. Just remember that comparing a wide range of rates will increase your chances of finding a lower rate.

You can change your insurance rates

Lots of factors are considered when premium rates are determined. Some factors are common sense such as your driving history, although others are more transparent such as whether you are married or your financial responsibility.An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for insurance coverage. If you have some idea of what influences your rates, this enables informed choices that may reward you with better insurance coverage rates.

  • Having a spouse brings a discount – Having a spouse can actually save you money on your policy. Having a significant other generally demonstrates drivers are more mature and responsible and it’s proven that being married results in fewer claims.
  • Your car’s features help determine insurance coverage rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft and help bring rates down.
  • Traffic violations cost more than a fine – Having a clean driving record has a huge affect on how much you pay. Getting just one citation may cause rates to rise to the point where it’s not affordable. Good drivers have lower premiums than people who have multiple driving citations. Drivers unfortunate enough to have dangerous tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Cheaper to insure women? – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Women and men are in fender benders at a similar rate, but men get into accidents with more damage. Not only are claims higher, but men get ticketed for serious violations such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure so they pay the highest premiums.
  • Policy add-ons may not be needed – There are a ton of extra bells and whistles you can purchase on your 2018 Transit Connect policy. Coverage for things like vanishing deductibles, accident forgiveness, and motor club memberships are probably not needed. They may seem good initially, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Too many policy claims and you’ll pay more – Auto insurance companies generally give lower rates to insureds who only file infrequent claims. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Your car insurance is designed for larger claims.

When do I need an agent’s advice?

When it comes to choosing the best insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help highlight whether your personal situation will benefit from professional help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Do I need motorclub coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When would I need rental car insurance?
  • Does my 2018 Ford Transit Connect qualify for pleasure use?
  • What is an SR-22 filing?
  • Does coverage extend to a rental car in a foreign country?
  • Who is covered when they drive my 2018 Ford Transit Connect?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Auto insurance buyers beware

Respected companies like State Farm, Geico and Progressive seem to constantly run ads on television and other media. They all seem to state the claim that drivers can save some big amount just by switching your policy. How does each company give you a lower rate?

Many companies offer their best rates for the type of customer that will add to their bottom line. One example of a driver they prefer could possibly be between 25 and 40, has no tickets, and drives less than 5,000 miles a year. Someone who fits those characteristics receives the best premium rates and will also save quite a bit of money when switching.

People who are not a match for the requirements will have to pay a higher rate and this can result in business going elsewhere. Company advertisements say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That’s why companies can make those claims.

Because each company has a different risk profile, you absolutely need to compare free insurance coverage quotes often. It’s impossible to know which insurance companies will have the best car insurance rates at this point in time.

Educate yourself about car insurance coverages

Having a good grasp of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages available from car insurance companies.

Collision – Collision coverage will pay to fix damage to your Transit Connect caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, rolling your car, damaging your car on a curb, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Insurance for medical payments – Med pay and PIP coverage reimburse you for bills such as nursing services, EMT expenses, pain medications, rehabilitation expenses and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Transit Connect.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Liability – Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

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 liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, pain and suffering, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Shop smart and save

When shopping online for insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where an insured cut physical damage coverage only to discover later they didn’t have enough coverage. The aim is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.

In this article, we presented a lot of ways to lower your 2018 Ford Transit Connect insurance car insurance rates. The key concept to understand is the more you quote insurance coverage, the better likelihood of getting cheap insurance coverage. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

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