Compare 2017 Ford Transit Van Insurance Rates

Searching for lower insurance rates for your Ford Transit Van? Did a good deal turn out to be an underperforming, overpriced insurance policy? You’re preaching to the choir because many consumers are in the same pinch.

Many auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest rate possible.

It’s smart to compare premium rates before your next renewal since insurance prices tend to go up over time. Despite the fact that you may have had the lowest quotes on Transit van insurance a few years ago you will most likely find a better rate today. Block out anything you think you know about insurance because it’s time to teach you the best methods to save money, get proper coverage and the best rates.

Free auto insurance quotes

There are a variety of methods to shop for auto insurance, and some are less labor-intensive and much quicker. You could spend the better part of a day talking to agents in your area, or you could use the web to quickly compare rates.

All the larger companies belong to an insurance system where prospective buyers only type in their quote data once, and every company provides a quote determined by their information. This prevents consumers from doing quotation requests for each company.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to pricing coverage this way is you cannot specify which insurance companies to get quotes from. So if you prefer to pick specific insurance companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

The method you choose is up to you, but make darn sure you compare identical coverage data for each quote you get. If each company quotes unequal deductibles or liability limits you will not be able to make an equal comparison. Just slight variations in coverage limits can make a big difference in price. And when comparison shopping, having more price comparisons increases the change that you will find a better price. Some companies don’t provide online rate quotes, so you should also compare price estimates on coverage from those companies, too.

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Double check you’re getting with these discounts

Companies offering auto insurance don’t always advertise all available discounts in an easy-to-find place, so below is a list both well-publicized and the harder-to-find credits that may apply to you.

• Safety Restraint Discount – Buckling up and requiring all passengers to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
• Cautious Drivers – Accident-free drivers can get discounts for up to 45% lower rates on Transit van insurance than their less cautious counterparts.
• Early Renewal Discounts – Some auto insurance companies provide a discount for buying a policy early. It could save around 10% when you buy auto insurance online.
• First Accident Forgiveness – but companies like State Farm and Progressive will let one accident slide before they charge you more for coverage if your claims history is clear before the accident.
• Telematics Discount – Drivers who agree to allow driving data collection to monitor driving habits by using a small device installed in their vehicle like Allstate’s Drivewise could possibly reduce rates if they exhibit good driving behavior.
• Full Payment Discount – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
• Claim-Free Discount – Good drivers with no accidents get the best auto insurance rates when compared with accident-prone drivers.
• Low Mileage Discounts – Maintaining low annual mileage may allow you to get slightly better rates than normal.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.

As a footnote on discounts, most credits do not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

Insurance companies that possibly offer these discounts include:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

When getting a coverage quote, ask all the companies which discounts you may be entitled to. Some discounts listed above might not be offered in your area.

Your situation helps dictate your coverage

When it comes to buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. For example, these questions may help you determine if your situation could use an agent’s help.

• Will I lose any money if I cancel my policy before it expires?
• Do I need medical payments coverage since I have good health insurance?
• Am I covered if hit by an uninsured driver?
• Do I have any recourse if my insurance company denies a claim?
• Is a new car covered when I drive it off the dealer lot?
• Does liability extend to a camper or trailer?
• Am I missing any policy discounts?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Learn how to find car insurance at a discount

A large part of saving on car insurance is knowing some of the things that play a part in calculating the level of your policy premiums. If you have some idea of what influences your rates, this enables you to make decisions that may result in cheaper rates. Many factors are taken into consideration when quoting car insurance. Some are obvious like your driving record, but other criteria are more transparent such as your credit history or your financial responsibility.

• Good drivers pay less – Attentive drivers get better prices compared to drivers with tickets. Only having one driving citation can bump up the cost by twenty percent. Drivers with severe violations such as DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
• Cut premiums and deter theft – Buying a car with an alarm system can save you a little every year. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms help track and prevent your vehicle from being stolen.
• Gender matters – Statistics show that women are safer drivers than men. This data doesn’t prove that men are worse drivers. They both have accidents in similar percentages, but men cause more damage and cost insurance companies more money. They also get higher numbers of serious violations like reckless driving and DUI.
• Responsible credit saves on car insurance – Your credit score is a large factor in determining what you pay. So if your credit is lower than you’d like, you could pay less to insure your 2017 Ford Transit Van if you improve your credit rating. People that have high credit ratings tend to be less risk to insure than those with worse credit.
• Your occupation is a factor – Did you know your career choice can influence rates? Careers like military generals, architects and emergency personnel have higher rates than average in part from intense work-related stress and lots of time spent at work. Other careers such as actors, athletes and homemakers get better rates on Transit van insurance.
• Save by driving safer cars – Vehicles that have high safety ratings are cheaper to insure. Highly rated vehicles reduce occupant injuries and lower rates of occupant injuries means lower claim amounts which can result in lower premiums. If your Ford Transit Van is rated at least four stars on Safercar.gov you may pay a lower rate.
• Where you live – Living in less populated areas can be a good thing when buying car insurance. Fewer drivers and short commutes means fewer accidents and a lower car theft rate. Urban drivers regularly have more road rage incidents and longer commute times. Spending more time driving means more chances of being involved in an auto accident.
• Keep prices low by being claim-free – If you file a lot of claims you can definitely plan on either higher rates or even cancellation. Insurance companies award most affordable rates to people who do not file claims often. Insurance coverage is designed for major claims that would cause financial hardship.

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Auto insurance coverages and their meanings

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Transit Van.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses for things like chiropractic care, surgery, ambulance fees and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, damage from flooding, a tree branch falling on your vehicle, theft and fire damage. 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 consider dropping full coverage.

Collision coverage – This coverage covers damage to your Transit Van resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, rolling your car, colliding with a tree, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for liability – Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as loss of income, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

More comparisons equals lower rates

Discount 2017 Ford Transit Van insurance is definitely available from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer rate quotes online and many times these smaller providers sell through local independent agencies.

We just presented a lot of techniques to get a better price on 2017 Ford Transit Van insurance. The key concept to understand is the more providers you compare, the higher your chance of finding inexpensive auto insurance. You may be surprised to find that the lowest car insurance rates come from a lesser-known regional company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

When trying to cut insurance costs, do not skimp on coverage in order to save money. There have been many situations where someone dropped liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

To learn more, link through to these articles:

• Auto Insurance 101 (About.com)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Vehicle Size and Weight FAQ (iihs.org)

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