Cheaper 2013 Ford Transit Connect Insurance Cost

Are you burned out from paying out the nose to pay high insurance coverage rates every month? You’re in the same situation as many other drivers. Due to the abundance of choices of insurance companies, it can be diffult for drivers to locate the best insurance coverage provider.

Finding the best rates is not rocket science. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Consumers just need to understand how to compare company rates online.

How to buy insurance coverage online

There are a lot of ways to compare insurance coverage quotes, and some are more efficient than others. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get pricing more quickly.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and each company then gives them pricing based on that information. This saves time by eliminating quote forms to each individual insurance coverage company. To compare rates using this form now click here to start a free quote.

The single downside to pricing coverage this way is you can’t choose the providers to get pricing from. If you prefer to choose from a list of companies to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

Compare rates however you want, just ensure you are comparing apples-to-apples deductibles and coverage limits for every company. If you use different coverage information it will be nearly impossible to truly determine the lowest rate.

Find discounts on auto insurance

Auto insurance is not an enjoyable expense, but there could be significant discounts that you may not even know about. Certain discounts will be applied when you purchase, but once in a while a discount must be specifically requested prior to receiving the credit.

  • Telematics Data – People who choose to allow their company to analyze where and when they drive remotely such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if their driving habits are good.
  • New Vehicle Savings – Adding a new car to your policy can save you some money since new vehicles are generally safer.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and qualify for as much as a 10% discount.
  • Service Members Pay Less – Being on active deployment in the military could mean lower prices.
  • E-sign – Some of the larger companies will give a small break just for signing your application digitally online.
  • Low Miles Discount – Driving less could qualify for lower auto insurancerates due to less chance of an accident.
  • Multi-policy Discount – If you combine your auto and home policies with one company you may save at least 10 to 15 percent or more.
  • Life Insurance Discount – Companies who offer life insurance give a lower premium rate if you buy some life insurance too.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive so you can save 10 percent or more.
  • More Vehicles More Savings – Buying insurance for multiple vehicles with one company can reduce rates for all insured vehicles.

You should keep in mind that some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any amount of discount should help reduce your policy premium.

A list of auto insurance companies and a summarized list of policyholder discounts are included below.

  • State Farm may include discounts for defensive driving training, good student, Drive Safe & Save, Steer Clear safe driver discount, multiple autos, safe vehicle, and good driver.
  • Esurance policyholders can earn discounts including safety device, online quote, emergency road assistance, good student, anti-lock brakes, paid-in-full, and claim free.
  • Progressive may have discounts that include online quote discount, continuous coverage, homeowner, online signing, and multi-vehicle.
  • Liberty Mutual offers discounts including newly retired, multi-car, safety features, good student, and new vehicle discount.
  • Auto-Owners Insurance offers discounts for paperless, good student, safe driver, multi-policy, safe vehicle, and multiple vehicles.
  • GEICO offers premium reductions for good student, emergency military deployment, membership and employees, multi-policy, multi-vehicle, defensive driver, and anti-theft.

If you need the cheapest insurance quotes, ask all the companies how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders everywhere. If you would like to see a list of companies that offer many of these discounts, click this link.

How car insurance companies calculate Ford Transit Connect insurance prices

When buying auto insurance it’s important to understand the different types of things that come into play when calculating the rates you pay for auto insurance. If you have a feel for what influences your rates, this allows you to make good choices that will entitle you to better auto insurance rates.

The items below are a partial list of the pieces used by companies to determine your prices.

  • High physical damage deductibles equal low rates – Physical damage deductibles define how much the insured will be required to pay before a claim is paid by your company. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered are colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more expense you pay before a claim is paid (deductible), the lower your rates will be for Transit Connect insurance.
  • Big cities mean more claims – Being located in small towns and rural areas is a positive aspect when buying auto insurance. Lower population translates into fewer accident claims and a lower car theft rate. Urban drivers have more traffic problems and longer commute times. Higher commute times translates into higher accident risk.
  • More stress means more cost – Occupational choices like military generalspolice officers and accountants generally have higher rates than the rest of us because of stressful work requirements and lots of time spent away from family. Conversely, occupations like farmers, engineers and homemakers have lower than average premiums for Transit Connect insurance.
  • Low mileage costs less – Driving more miles each year the more you will pay for auto insurance. A lot of companies charge rates partially by how you use the vehicle. Vehicles not used for work or commuting receive lower rates than vehicles that have high annual mileage. It’s a good idea to make sure your declarations sheet is rated on the correct usage for each vehicle, because it can save money. Having the wrong rating on your Transit Connect can result in significantly higher rates.
  • Qualify for multi-policy discounts – Most companies give a discount to customers who have multiple policies with them in the form of a multi-policy discount. The discount can be ten percent or more. Even if you’re getting this discount drivers will still want to check prices from other companies to ensure the best deal. Drivers may still save money even if you insure with multiple companies
  • Liability protection is critical – A critical coverage on your policy, liability insurance is the coverage that protects you if ever you are responsible for causing damage or personal injury in an accident. Liability insurance provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Single drivers take more risk – Getting married may save some money when buying auto insurance. Having a significant other demonstrates that you tend to be more mature it has been statistically shown that drivers who are married file infrequent claims.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you may require specific advice.

  • How much can I save by bundling my policies?
  • Do I need PIP coverage since I have good health insurance?
  • Who is covered by my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • How can I get high-risk coverage after a DUI?
  • Should I have a commercial auto policy?
  • Can I rent a car in Mexico?
  • Does coverage extend to my business vehicle?
  • Does having multiple vehicles earn me a discount?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage considerations

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from car insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from 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 can pay for claims like hail damage, fire damage and theft. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like ambulance fees, hospital visits, funeral costs and EMT expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your Transit Connect caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, sideswiping another vehicle, crashing into a building, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as structural damage, legal defense fees, attorney fees, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Ford Transit Connect.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Have the Midas touch

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped full coverage to discover at claim time that it was a big error on their part. Your objective should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

Some insurance companies may not provide online quoting and these regional insurance providers only sell coverage through independent insurance agencies. Cheaper insurance can be found both online and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

Throughout this article, we presented many ways to reduce 2013 Ford Transit Connect insurance premium rates online. The key concept to understand is the more you quote insurance, the better your comparison will be. Consumers could even find that the lowest premium rates come from the smaller companies. They may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

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