2018 Ford Transit Van Car Insurance Rates

Trying to find the cheapest car insurance rates? Buyers have lots of choices when searching for low-cost Ford Transit Van insurance. They can either waste time calling around trying to get quotes or save time using the internet to get rate quotes.

There are more efficient ways to compare car insurance rates so we’re going to tell you the proper way to price shop coverage for a Ford and locate the best price possible from both online companies and local agents.

This information will familiarize you with the best way to quote coverages and some tips to save money. If you currently have car insurance, you should be able to lower your premiums substantially using this information. Consumers just need to understand the proper methods to get comparison quotes over the internet.

Finding car insurance

Getting cheap 2018 Ford Transit Van car insurance pricing isn’t really that difficult. You just have to spend a few minutes on the computer comparing rates to discover which company has the cheapest car insurance quotes. This can be done using a couple different methods.

1. The first (and easiest) way to find low rates is a comparison rater form like this one (opens in new window). This method prevents you from having to do multiple quote forms for every prospective company. Taking the time to complete one form will return price quotes from many national carriers. It’s the fastest way to compare.
2. A harder way to obtain and compare quotes online is spending the time to visit the website for each individual company and fill out their own quote form. For sake of this example, we’ll assume you are doing a rate comparison from Liberty Mutual, Progressive and American Family. You would be required to take the time to go to each site and enter your information, which can take a lot of time. For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just do your best to use identical quote data for every company. If your comparisons have different liability limits you can’t possibly determine the best price for your Ford Transit Van.

Verify you’re earning every discount

Some insurers do not advertise the entire discount list in a way that’s easy to find, so we researched some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

• Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks with the same company could earn a price break for each car.
• Save with a New Car – Putting insurance coverage on a new car can get you a discount compared to insuring an older model.
• Discount for Life Insurance – Insurance carriers who offer life insurance give a discount if you purchase a life policy as well.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
• Professional Memberships – Belonging to certain professional organizations could qualify you for a break when getting a car insurance quote.
• E-sign Discounts – A few companies provide a small discount simply for signing on the web.
• ABS Braking Discount – Cars and trucks with ABS and/or traction control prevent accidents and earn discounts up to 10%.
• Military Rewards – Being on active duty in the military may qualify for rate reductions.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Early Switch Discount – Some larger companies provide a discount for signing up before your current expiration date. It’s a savings of about 10%.

While discounts sound great, it’s important to understand that most credits do not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A few of the larger companies and the discounts they provide include:

• Farmers Insurance includes discounts for teen driver, mature driver, homeowner, electronic funds transfer, and business and professional.
• Esurance offers premium reductions for homeowner, Switch & Save, defensive driver, multi-car, renters, and good student.
• State Farm has discounts for passive restraint, multiple autos, anti-theft, student away at school, good driver, multiple policy, and accident-free.
• Geico has savings for daytime running lights, multi-policy, membership and employees, good student, seat belt use, and federal employee.
• Allstate discounts include multi-policy, eSmart discount, anti-lock brakes, farm vehicle, utility vehicle, anti-theft, and premier plus.

When quoting, ask each company or agent to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders in your area. To see a list of insurers who offer free insurance coverage quotes, click here to view.

When should I discuss my situation with an agent?

When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can help discover whether or not you will benefit from professional help.

• Is my Ford Transit Van covered if I use it for business?
• Should I file a claim if it’s only slightly more than my deductible?
• If my pet gets injured in an accident are they covered?
• What should my uninsured motorist coverage limits be in my state?
• Is business property covered if stolen from my car?
• Which is better, split liability limits or combined limits?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance coverage information

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Liability

Liability coverage protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like legal defense fees, repair costs for stationary objects, emergency aid, loss of income and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision insurance covers damage to your Transit Van resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, colliding with another moving vehicle, sideswiping another vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Ford Transit Van.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like prosthetic devices, hospital visits and pain medications. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage