Lower Your 2018 Ford Transit Connect Insurance Rates

Looking for cheaper auto insurance rates for your Ford Transit Connect? Nobody that owns a car likes paying for auto insurance, especially when the cost is too high. Vehicle owners have multiple auto insurance companies to buy insurance from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find the best rates for your vehicles.

Ways to get insurance quotes

Most major insurance companies allow consumers to get coverage price quotes direct online. Doing online quotes is very simple as you just enter into the quote form. When complete, their rating system orders your driving and credit reports and gives you a price quote determined by many factors. Being able to quote online makes it easy to compare insurance prices but the process of having to visit a lot of sites and type in the same data is a waste of time. But it is imperative to get many rate quotes if you are searching for better prices.

A quicker way to find cheaper rates utilizes a single form that gets prices from more than one company. It saves time, eliminates repetitive work, and makes rate comparisons a little more enjoyable. Immediately after submitting the form, it gets priced with multiple companies and you can pick any or none of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process takes less than 15 minutes and could lower your rates considerably.

To fill out one form to compare multiple rates now, click here to open in new window and enter your information. To compare your current rates, we recommend you enter coverages and limits identical to your current policy. This ensures you’re receiving a fair comparison for exact coverage.

Save a ton with discounts

Some companies don’t necessarily list all their discounts very well, so we break down some of the best known and the harder-to-find discounts that you may qualify for. If you check and find you aren’t receiving every discount you deserve, you could be paying more than you need to.

• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of 25 to 30%.
• Policy Bundle Discount – If you have multiple policies with the same insurance company you could earn a discount of 10% to 20% off each policy.
• Home Ownership Discount – Owning a house can get you a discount due to the fact that maintaining a home requires personal responsibility.
• Driver Safety – Passing a course in defensive driver could cut 5% off your bill if you qualify.
• Pay Now and Pay Less – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save up to 5%.
• Military Discounts – Having an actively deployed family member may qualify for rate reductions.
• Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents so companies give up to a 10% discount.
• Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a break if you buy life insurance from them.

Remember that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

Popular insurance companies and some of their more popular discounts are detailed below.

• Progressive has discounts for online quote discount, continuous coverage, good student, multi-policy, homeowner, and online signing.
• AAA offers premium reductions for good student, good driver, anti-theft, education and occupation, AAA membership discount, and pay-in-full.
• Farmers Insurance may offer discounts for business and professional, mature driver, pay in full, distant student, youthful driver, alternative fuel, and good student.
• Geico includes discounts for membership and employees, anti-theft, defensive driver, anti-lock brakes, daytime running lights, and five-year accident-free.
• Esurance discounts include Switch & Save, DriveSense, emergency road assistance, claim free, and good driver.
• SAFECO policyholders can earn discounts including homeowner, multi-car, teen safe driver, anti-theft, drive less, bundle discounts, and safe driver.
• State Farm offers discounts for defensive driving training, safe vehicle, Steer Clear safe driver discount, accident-free, and multiple policy.

Before purchasing a policy, check with all companies you are considering which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders in your area. If you would like to view insurers that offer the discounts shown above, click here to view.

What is the best insurance coverage coverage?

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions might point out if your situation could use an agent’s help.

• Does my car insurance cover rental cars?
• Exactly who is provided coverage by my policy?
• Do I really need UM/UIM coverage?
• Is business property covered if stolen from my car?
• Does my 2018 Ford Transit Connect qualify for pleasure use?
• Does insurance cover damages from a DUI accident?
• Does my 2018 Ford Transit Connect need full coverage?
• Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Specifics of your car insurance policy

Understanding the coverages of a car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most car insurance policies.

Uninsured and underinsured coverage

This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Transit Connect.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Collision coverage protection

This coverage will pay to fix damage to your Transit Connect resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, scraping a guard rail, sideswiping another vehicle, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like emergency aid, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, damage from getting keyed and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses like dental work, surgery and EMT expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible