2015 Ford Transit Connect Insurance Quotes

Want lower car insurance rates for your Ford Transit Connect? Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are many people just like you. Since consumers have many different company options, it can be challenging to pick the most cost effective car insurance company.

You need to do rate comparisons quite often due to the fact that insurance rates trend upward over time. Even if you got the best deal on Transit Connect coverage a year ago there is a good chance you can find better rates now. So just forget all the misinformation about car insurance because you’re about to learn one of the easiest ways to save on car insurance.

How to Get Auto Insurance Comparison Quotes

Finding cheaper 2015 Ford Transit Connect auto insurance prices can be quick and easy. You just need to take the time to compare quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The recommended way to compare a lot of rates at once is a comparison rater form click to view form in new window. This easy form prevents you from having to do boring form submissions for every auto insurance company. One form submission gets rate comparisons from auto insurance companies with the best prices.
  • A harder way to find lower rates is to take the time to go to the website for every company you want to comare to complete their respective quote request forms. For examples sake, we’ll assume you want to compare rates from USAA, Farmers and Liberty Mutual. To find out each rate you need to go to every website and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  • The hardest way to get comparison rates is to spend your day driving to local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the professional advice of a local agent. Drivers can comparison shop online and get advice from an agent in your area and we’ll talk about that later.

Whichever way you use, make absolute certain that you use identical coverage limits and deductibles with every price quote. If each company quotes unequal deductibles or liability limits you will not be able to determine which rate is truly the best.

Lots of discounts mean lots of savings

Car insurance can cost a lot, but you may find discounts that you may not even be aware of. Most are applied when you get a quote, but less common discounts must be requested specifically before you get the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • E-sign – Certain companies may give you up to $50 for buying your policy digitally online.
  • Discount for New Cars – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Safety Course Discount – Taking a course in driver safety can save you 5% or more depending on where you live.
  • Drive Less and Save – Keeping the miles down on your Ford could be rewarded with discounted rates on garaged vehicles.
  • Own a Home – Owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Air Bag Discount – Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
  • No Claims – Good drivers with no accidents can earn big discounts as compared to bad drivers.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. But all discounts will bring down your overall premium however.

To see a list of insurance companies offering auto insurance discounts, click here.

Situations that might require an agent

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • Do I need an umbrella policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Why do I only qualify for high-risk insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Is my custom paint covered by insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the financial responsibility laws in my state?
  • Is extra glass coverage worth it?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

What determines your Ford Transit Connect insurance premium

Consumers need to have an understanding of the factors that play a part in calculating your insurance coverage rates. Knowing what influences your rates empowers consumers to make smart changes that could result in big savings.

  • Save money with special equipment – Owning a car with a theft deterrent system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.
  • Keep rates low by being claim-free – If you file claims often, you can look forward to either higher rates or even cancellation. Insurance companies give discounts to people who do not file claims often. Car insurance is intended for larger claims.
  • Drive a safer car and pay less – Vehicles with good safety scores can get you lower premiums. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your Ford Transit Connect scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Liability coverage protects you – The liability section of your policy will protect you if ever you are found to be at fault for personal injury or accident damage. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Cautious drivers pay less – Only having one citation can bump up the cost twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to submit a SR-22 form with their state DMV in order to continue driving.
  • Having a spouse can save you money – Having a spouse can get you a discount on your insurance coverage policy. Having a significant other translates into being more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • Where you live can impact rates – Residing in less populated areas is a positive aspect when talking about insurance coverage. Fewer drivers means a lower chance of having an accident and a lower car theft rate. City drivers have more traffic problems and a longer drive to work. More time commuting means more change of being in an accident.

Advertising myths

Drivers can’t ignore all the ads for car insurance savings by State Farm, GEICO and Progressive. They all seem to make an identical promise of big savings if you switch to their company.

How do they all say the same thing?

All companies have a preferred profile for the type of driver that makes them money. For example, a desirable insured might be over the age of 50, has no tickets, and drives newer vehicles. Any driver who matches those parameters receives the best rates and most likely will pay quite a bit less when switching companies.

Potential customers who are not a match for these standards must pay more money and this can result in business going elsewhere. The ads state “people who switch” not “everyone that quotes” save that much money. This is how insurance companies can state the savings.

This illustrates why it’s extremely important to get quotes from several different companies. You cannot predict which car insurance company will fit your personal profile best.

Coverage specifics

Knowing the specifics of car insurance can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Transit Connect.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance pays for damage to your Transit Connect resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like pain medications, EMT expenses and hospital visits. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, vandalism, falling objects and hitting a deer. The highest amount 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 removing comprehensive coverage.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair costs for stationary objects, court costs and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

A penny saved is a penny earned

Cheaper 2015 Ford Transit Connect insurance can be purchased both online as well as from independent agents, so you should compare both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

You just learned some good ideas how you can save on insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the lowest priced insurance comes from the smaller companies. Smaller companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. In many cases, an insured dropped uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. The aim is to buy the best coverage you can find at an affordable rate.

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