2015 Ford Transit Wagon Insurance Quotes

Trying to find cheaper car insurance rates for your Ford Transit Wagon? Consumers not familiar with price shopping insurance online will find buying the cheapest car insurance to be a formidable task.

How to Get Auto Insurance Comparison Quotes

All major auto insurance companies allow you to get prices online. Obtaining pricing doesn’t take a lot of time as you just enter your coverage information into a form. After the form is submitted, their rating system orders your driving record and credit report and quotes a price based on many factors.

Online price quotes makes comparing rates easy, but the process of having to visit a lot of sites and enter the same data into a form is monotonous and tiresome. But it is imperative to compare as many rates as possible in order to find the best price on auto insurance.

Isn’t there an easier way to compare rates?

The preferred way to find lower prices uses one simple form to obtain quotes from several different companies. It saves time, eliminates repetitive work, and makes quoting online a little more enjoyable. Once the form is submitted, it is rated with multiple companies and you can pick any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. This process only takes a few minutes and you will find out if you’re overpaying now.

If you want to find out what other companies charge, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you duplicate the limits and deductibles exactly as they are listed on your policy. Using the same limits helps guarantee you will have comparison quotes for the exact same coverage.

How to save on Ford Transit Wagon insurance

Auto insurance companies don’t always list all their discounts very well, so we break down both well-publicized and also the lesser-known ways to save on car insurance.

  • Senior Citizens – If you qualify as a senior citizen, you may be able to get better car insurance rates on Transit Wagon coverage.
  • Distant Student – Any of your kids who are attending college and don’t have a car can be insured at a reduced rate.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Accident Waiver – A handful of insurance companies permit an accident before raising your premiums if you are claim-free prior to the accident.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Driver Safety – Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Multi-policy Discount – When you have multiple policies with one insurance company you will save up to 20% off your total premium.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, companies don’t profit that way.

To see a list of companies with discount car insurance rates, click this link.

Factors determining your Ford Transit Wagon insurance premium

Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

  • Adjust deductibles and save – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Ford. Examples of covered claims would be collision with another vehicle, vandalism, or theft. Deductibles for physical damage are how much you are willing to pay out-of-pocket before a claim is paid by your company. The higher the amount you’re willing to pay, the less your company will charge you for insurance on Transit Wagon coverage.
  • Men fork out a little more – The statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women are in accidents at about the same rate, but the males have costlier accidents. They also get more serious tickets such as reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Policy add-ons can waste money – There are a lot of additional coverages that you can buy when buying auto insurance. Coverages for vanishing deductibles, towing coverage and term life insurance may be wasting your money. These may sound like a good investment initially, but if they’re wasting money eliminate them to save money.
  • No coverage gaps is important – Driving with no insurance is against the law and your next policy will cost more because you let your coverage lapse. Not only will you pay more, but not being able to provide proof of insurance will get you a license revocation or jail time.
  • How many coverages with the same company – Most insurers provide better rates to insureds who buy several policies from them. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even with this discount, it’s still a good idea to shop around to ensure the best deal. You may still be able to find better rates by splitting coverages up.
  • Bad driving skills means higher rates – Drivers with clean records receive lower rates than bad drivers. Even one speeding ticket may increase your cost twenty percent or more. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions might point out if your situation may require specific advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • What are the best liability limits?
  • Should I have combined single limit or split liability limits?
  • Am I covered when driving in Canada or Mexico?
  • Am I better off with higher deductibles on my 2015 Ford Transit Wagon?
  • What is an SR-22 filing?
  • Does my insurance cover my expensive audio equipment?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverage information

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability insurance

Liability insurance will cover damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things like bail bonds, repair costs for stationary objects, medical services and emergency aid. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive car insurance

This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hail damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage will pay to fix damage to your Transit Wagon resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a building, rolling your car, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for dental work, surgery, X-ray expenses, funeral costs and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

More quotes mean more savings

In this article, we covered a lot of techniques to save on 2015 Ford Transit Wagon insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest rates come from some of the smallest insurance companies.

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Consumers who switch companies do it for a variety of reasons including policy cancellation, high prices, delays in paying claims or even policy non-renewal. It doesn’t matter why you want to switch finding a new company is actually quite simple.

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