2011 Ford Transit Connect Insurance Cost – 6 Ideas for Best Prices

If you’ve never shopped for insurance coverage quotes online, it’s easy to get confused thanks to all the different types of online insurance companies and websites offering coverage.

Buying the lowest cost auto insurance is not that difficult. Basically, every vehicle owner who is shopping for auto insurance will be able to lower their premiums. But drivers need to have an understanding of the way companies compete online and take advantage of how the system works.

Which insurance is cheapest?

There are several ways to obtain and compare prices from local insurance companies. The recommended way to comparison shop is to get quotes online. It’s really quite simple and can be done by using one of the methods below.

  • Without a doubt, the easiest way to get the best comparison quotes is a comparison rater form click to view form in new window. This easy form eliminates the need for a different quote to each individual insurance company. Filling out one form compares rates from multiple companies. Recommended for those who want to invest the least amount of time.
  • A harder way to shop for insurance online consists of visiting the website for every company you want to comare and get a separate price quote. For sake of this example, we’ll pretend you want to get rates from GEICO, Safeco and Travelers. You would be required to go to each individual site and enter your information, which is why first method is reommended. To view a list of companies in your area, click here.
  • The least efficient and most time consuming way to find cheaper rates is calling or driving to each insurance agency near you. Quoting online makes this process obsolete unless you require the guidance that can only be provided by a licensed insurance agent. Drivers can compare the best prices online and get advice from an agent in your area.

It’s up to you which method you use, but ensure you’re using the same coverages and limits for each price quote. If you compare different values for each quote it will be nearly impossible to determine which company has the best rates. Slightly different coverages can make a big difference in price. And when comparing insurance rates, know that comparing more company’s prices will enable you to find more affordable insurance. Not every company does rate quotes online, so it’s recommended that you also compare rates from them, too.

Take advantage of every auto insurance discount

Some insurance providers don’t necessarily list their entire list of discounts very clearly, so the list below details both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy insurance coverage online.

  • Switch and Save Discount – Select insurance companies give a discount for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Good Grades Discount – Maintaining excellent grades can save 20 to 25%. This discount can apply up until you turn 25.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new vehicles have better safety ratings.
  • Telematics Discount – Insureds who allow driving data submission to monitor their driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if their driving habits are good.
  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control prevent accidents and earn discounts up to 10%.
  • Sign Online – A few companies will discount your bill up to fifty bucks just for signing your application on the web.

Discounts save money, but please remember that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free auto insurance policy, you won’t be that lucky.

For a list of companies that offer some of these discounts, click here to view.

How to know if you need help

When choosing adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your situation will benefit from professional help.

  • Do I need more liability coverage?
  • Am I missing any policy discounts?
  • Why am I required to buy liability insurance?
  • Does car insurance cover theft of personal property?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When would I need additional glass coverage?
  • How high should my medical payments coverage be?
  • How do I buy GAP insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Specific coverages for a 2011 Ford Transit Connect

Knowing the specifics of your insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like chiropractic care, pain medications, rehabilitation expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision insurance

This coverage will pay to fix damage to your Transit Connect resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, sustaining damage from a pot hole, hitting a parking meter and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, a broken windshield, hitting a bird, theft and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2011 Ford Transit Connect.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Auto liability insurance

This coverage can cover damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like loss of income, repair costs for stationary objects, medical expenses, pain and suffering and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Spend less. Save more.

Cheaper 2011 Ford Transit Connect insurance is definitely available both online and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get quotes online and many times these smaller providers sell through independent agents.

We covered a lot of information how to lower your 2011 Ford Transit Connect insurance auto insurance rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding cheaper insurance coverage. You may be surprised to find that the best auto insurance rates are with the least-expected company.

Consumers who switch companies do it for any number of reasons including poor customer service, delays in responding to claim requests, delays in paying claims and questionable increases in premium. Regardless of your reason for switching companies, switching car insurance companies can be easy and end up saving you some money.

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