How Much Does 2018 Ford Transit Van Insurance Cost?

No one in their right mind gets a kick out of paying for insurance, especially when they are aware that their premiums are too high. Vehicle owners have multiple car insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, more options can take longer to find the best rates for your vehicles.

It’s a good habit to compare rates at least once a year since prices change frequently. Even if you think you had the best deal on Transit van insurance a couple years back other companies may now be cheaper. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the easiest way to eliminate unnecessary coverages and save money.

Buy car insurance online

Cutting your car insurance rates is a fairly straight forward process. Consumers just need to take a couple of minutes to compare free car insurance quotes from some recommended companies. You can get a good selection of rate quotes in just a few minutes using one of these methods.

  1. One of the simplest ways to get quotes would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing repetitive form submissions for each price estimate. One simple form will get you price quotes instantly.
  2. A different way to find more affordable insurance is going to each company website and fill out a new quote form. For instance, let’s say you want to compare rates from Allstate, Esurance and Travelers. You would need to navigate to each company’s site to input your insurance information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

The approach you take is up to you, just try to keep nearly identical information for every quote you compare. If you have different liability limits you will not be able to make a fair comparison for your Ford Transit Van.

Car insurance in the media

Consumers get pounded daily by advertisements that promise big savings by companies like Progressive, Allstate and Geico. They all convey the message that you’ll save big if you move to their company.

How do they all sell you cheaper insurance coverage?

Car insurance companies have underwriting criteria for the type of insured that is profitable for them. For instance, this type of driver may need to be between 25 and 40, owns a home, and the vehicle is rated for pleasure use. Any new insured who matches that profile receive the lowest rate quotes and will probably save money with a new company.

Potential insureds who don’t qualify for these stringent criteria will be quoted a higher rate which usually ends up with the customer buying from a different company. If you pay close attention to the ads, they say “drivers that switch” not “everyone who quotes” can get the lowest rates when switching. This is how companies can truthfully advertise the way they do. Each company has different criteria, so it is so important to get as many free car insurance quotes as possible. Because without a comparison, you cannot know with any certainty which company will have the best auto insurance rates.

Cheaper rates with these discounts

Some insurance providers don’t list all possible discounts in a way that’s easy to find, so the next list breaks down both well-publicized in addition to some of the lesser obvious discounts that may be available.

  • Discounts for Good Drivers – Drivers who avoid accidents can pay as much as 50% less on Transit van insurance than drivers with accidents.
  • Defensive Driver Discounts – Taking a defensive driving class could save 5% or more and easily pay for the cost of the class.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Multi-car Discount – Having multiple cars or trucks with the same auto insurance company can get a discount on all vehicles.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
  • Save with a New Car – Putting coverage on a new car may earn a small discount because new model year vehicles are generally safer.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. Just because you may think you can get free auto insurance, auto insurance companies aren’t that generous. But all discounts should help lower your overall bill.

Some companies that may offer quotes with these discounts possibly include:

If you need lower rates, check with each insurance company to apply every possible discount. Some discounts listed above might not be offered on policies in your area.

Car insurance can be complex

When it comes to choosing the best car insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help you determine whether you would benefit from professional advice.

  • I don’t drive much so do I pay less?
  • Can I still get insurance after a DUI?
  • Is extra glass coverage worth it?
  • Is my teenager covered with friends in the car?
  • When should I drop full coverage on my 2018 Ford Transit Van?
  • Do I benefit by insuring my home with the same company?
  • Why am I required to buy liability insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Is there coverage for injuries to my pets?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Auto insurance coverage information

Understanding the coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, theft, damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills such as pain medications, chiropractic care, doctor visits, funeral costs and nursing services. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your Transit Van resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, scraping a guard rail, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Auto liability

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like emergency aid, medical expenses, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

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. So UM/UIM coverage is important protection for you and your family.

Quote more. Save more.

Cheap 2018 Ford Transit Van insurance can be found on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide rates over the internet and these regional carriers provide coverage only through local independent agents.

As you quote car insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.

More detailed insurance coverage information is available at these sites: