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Ford Transit Connect Insurance Rates

You have lots of choices when attempting to insure your Ford vehicle. You can get prices from a local agent or get quotes online to compare rates from many different auto insurance companies. Comparing auto insurance through online rate quotes saves time, is easy to do and at the same time you might just save a little.

Using the web to shop for auto insurance direct is challenging if you are a beginner to quoting online. But don't let that discourage you because comparing prices is actually very simple. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes to get quotes online from several insurance companies. This can be done by comparing rates here.

What factors determine car insurance premiums?

Auto insurance rates for a Ford Transit Connect can be significantly different and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • How many accidents you have had
  • Home and auto can earn discounts
  • Use of your vehicle
  • Your birth date
  • Whether you are married
  • Special coverage such as replacement cost
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

A final factor that can impact Transit Connect insurance rates is the model year. Newer models have a higher value in comparison to later models so the costs to repair may end up costing you more. But newer vehicles may have a trim level with safety features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights that may help lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Transit Connect from available model years below.

Auto liability

This can cover damages or injuries you inflict on other people or property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Auto collision coverage

This coverage covers damage to your Ford caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Transit Connect collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your Ford Transit Connect comprehensive insurance. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Ford Transit Connect Insurance Rates?