2018 Ford Transit Wagon Car Insurance Quotes – 10 Discounts for Cheaper Rates

Trying to find the cheapest auto insurance rates for your Ford Transit Wagon? Are you irritated from scraping nickels together to keep your car insured? You are no different than many other people.

Having so many insurance providers from which to choose, it is very difficult to find the lowest price insurance company.

Quote car insurance online

To find cheap car insurance quotes, there are several ways to get quotes from companies that offer car insurance in your state. The easiest way to find competitive 2018 Ford Transit Wagon insurance rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

The most efficient method to find low rates is a comparison rater form click to view form in new window. This form keeps you from doing repetitive form entry for every car insurance company. One quote request will get you rate comparisons from car insurance companies with the best prices.

A more time consuming way to analyze rates requires a visit to each company’s website and fill out their own quote form. For example, let’s say you want comparison quotes from Geico, Allstate and Travelers. In order to get each rate, you would have to go to each individual site and repeatedly type in your coverage information, which can get rather old. For a list of companies in your area, click here.

Even if you have time, the least recommended way to find lower rates is actually driving to all the different insurance agencies. Quoting and buying insurance online reduces the need to sit down with an agent unless you prefer the personal advice of a local agency. It is possible with some companies price shop online and still use a local agent.

Whichever method you choose, be certain you are entering nearly identical deductibles and coverage limits with every price quote. If you use different deductibles it’s impossible to make a fair rate comparison. Having just a slight variation in coverage limits can result in a big premium difference. And when quoting car insurance, remember that obtaining a wide range of quotes helps improve the odds of finding more affordable insurance.

Is there truth in advertising?

Popular car insurance providers such as State Farm and Allstate seem to constantly run ads on television and other media. They all seem to try to convey promises that you can save if you change your coverage. How is it possible that every company can say the same thing? It’s all in the wording.

Different companies require specific criteria for a prospective insured that earns them the most money. One example of this type of risk profile might be described as between the ages of 30 and 50, has no claims, and insures a new vehicle. Any customer that matches those criteria will get a cheap rate quote and have a good chance to save a lot if they switch.

Potential customers who fall short of the “perfect” profile will be quoted higher rates which usually ends up with the customer not buying. If you listen to the ad wording, they say “drivers who switch” but not “all drivers who get quotes” save that much when switching. That’s why companies can truthfully make the claims of big savings.

Because each company has a different risk profile, it’s extremely important to get car insurance quotes from several different companies. It is just not possible to predict which car insurance company will fit your personal profile best.

Save a ton with these ten discounts

Insurance can cost an arm and a leg, but you may find discounts that could drop your premiums quite a bit. Some trigger automatically when you complete an application, but a few need to be inquired about before being credited.

  • Save over 55 – If you’re over the age of 55, you could receive better auto insurance rates for Transit Wagon coverage.
  • Discount for New Cars – Putting coverage on a new car can cost up to 25% less since new vehicles have better safety ratings.
  • Good Student – Excelling in school may save you up to 25%. The discount lasts until age 25.
  • Federal Employees – Federal government employees could qualify for a slight premium decrease for Transit Wagon coverage with certain companies.
  • Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
  • Early Switch Discount – Some larger companies reward drivers for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
  • Low Mileage Discounts – Keeping the miles down on your Ford could qualify for cheaper auto insurancerates.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • Multi-car Discount – Buying coverage for all your vehicles on one policy can reduce rates for all insured vehicles.
  • Multi-policy Discount – If you can combine your home and auto policy with the same company you may save at least 10% off all policies.

As is typical with insurance, many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, that’s just not realistic. But all discounts will cut your overall premium however.

Popular auto insurance companies and their offered discounts are:

  • 21st Century has savings for driver training, student driver, defensive driver, air bags, good student, and 55 and older.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, anti-theft, defensive driving training, Drive Safe & Save, and accident-free.
  • AAA includes discounts for AAA membership discount, good student, multi-policy, education and occupation, pay-in-full, good driver, and anti-theft.
  • Liberty Mutual offers premium reductions for preferred payment discount, safety features, good student, new vehicle discount, newly retired, and hybrid vehicle.
  • Progressive offers discounts including continuous coverage, homeowner, multi-policy, good student, and online quote discount.

If you are trying to find affordable car insurance quotes, ask every prospective company what discounts are available to you. Depending on the company, some discounts may not apply in your area. To see a list of companies that can offer you the previously mentioned discounts, click this link.

Car insurance can be complex

When it comes to choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For example, these questions could help you determine whether or not you could use an agent’s help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • What vehicles should carry emergency assistance coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • How much liability do I need to cover my assets?
  • When should I remove comp and collision on my 2018 Ford Transit Wagon?
  • Should I have combined single limit or split liability limits?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I get a multi-policy discount?
  • Are my friends covered when driving my 2018 Ford Transit Wagon?
  • When should I buy a commercial auto policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance coverages

Having a good grasp of your auto insurance policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, crashing into a ditch, hitting a mailbox, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Transit Wagon.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses like hospital visits, X-ray expenses, chiropractic care, dental work and surgery. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages – Liability coverage will cover damage that occurs to other’s property or people that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like funeral expenses, structural damage and court costs. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

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

Comprehensive insurance covers claims like falling objects, hail damage, a broken windshield, rock chips in glass and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Feed the piggy bank

You just learned many ways to lower your 2018 Ford Transit Wagon insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your auto insurance rates. Consumers may even find the lowest priced car insurance comes from an unexpected company. Some small companies can often provide lower auto insurance rates in certain areas compared to the large companies like Allstate, Geico and Progressive.

As you quote car insurance, do not buy poor coverage just to save money. There are too many instances where an insured dropped liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Additional information is located at the links below