How Much Does 2014 Ford Transit Connect Insurance Cost?

Looking for the cheapest car insurance rates for your Ford Transit Connect? Are you irritated from being strong-armed to insure your Ford every month? You have the same problem as millions of other vehicle owners. Vehicle owners have so many car insurance companies to purchase coverage from, and though it is a good thing to be able to choose, more choices can make it harder to compare rates.

It’s important to check car insurance prices on a regular basis since insurance prices change regularly. Just because you found the lowest rate on Transit Connect insurance a year ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in one of the quickest ways to save money, get proper coverage and the best rates.

Buying cheaper coverage is quite easy. If you have insurance now or are just looking to switch companies, you can use these tips to shop for the lowest rates while maintaining coverages. Drivers only need an understanding of the tricks to buy auto insurance over the internet.

What affects Ford Transit Connect insurance rates?

Part of the auto insurance buying process is learning the factors that aid in calculating the rates you pay for auto insurance. If you understand what determines base rates, this enables you to make decisions that will entitle you to cheaper rates.

  • Do you need those extra policy coverages? – There are a ton of additional extra coverages that can add up when buying auto insurance. Coverage for things like rental car coverage, towing, and term life insurance are some examples. They may seem good when deciding what coverages you need, but if you’ve never needed them in the past remove them and pocket the money.
  • Get married and get cheaper costs – Having a spouse helps lower the price when shopping for auto insurance. Marriage is viewed as being more stable financially it has been statistically shown that being married results in fewer claims.
  • Alarm systems save money – Buying a car with advanced anti-theft systems can help lower your premiums. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all aid in stopping your vehicle from being stolen.
  • Do you know your comp and collision deductibles? – Physical damage deductibles define the amount you are required to spend if a claim is determined to be covered. Coverage for physical damage, aka comp and collision, is used to repair damage to your car. Some examples of claims that would be covered are collision with another vehicle, collision with a deer, and damage from wind. The more the insured has to pay upfront, the less money you will pay for auto insurance on Transit Connect insurance.
  • Do you work long hours in a tough vocation? – Did you know your job can affect your rates? Careers such as fire fighters, architects and emergency personnel tend to have higher premiums than the average policyholder because of intense work situations and long work days. On the flip side, jobs like professors, engineers and retirees pay the least on Transit Connect insurance.

The quickest way to compare rates takes advantage of the fact most of the larger companies participate in online systems to give free rates quotes. All you need to do is provide information like your job, level of coverage desired, how old drivers are, and types of safety features. Your details is automatically sent to multiple top-rated companies and they respond with quotes almost instantly.

To find the cheapest 2014 Ford Transit Connect insurance rates, click here and find out if you can get cheaper insurance.

Get lower-cost car insurance rates with discounts

Car insurance companies do not list every discount very clearly, so we break down a few of the more common as well as some of the hidden savings tricks you should be using when you buy insurance coverage online. If you check and find you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Early Payment Discounts – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.
  • Senior Citizens – Drivers that qualify as senior citizens are able to get a discount up to 10% on Transit Connect insurance.
  • Good Student – Excelling in school could provide a savings of up to 20% or more. This discount can apply up to age 25.
  • Multiple Cars – Insuring all your vehicles on a single policy could earn a price break for each car.
  • Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.

As a sidenote, some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you can get free auto insurance, it doesn’t quite work that way. But all discounts will definitely reduce the amount you pay for coverage.

To locate car insurance companies who offer discounts, click here.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • What can I do if my company denied a claim?
  • Am I covered when driving a rental car?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is UM/UIM insurance?
  • How can I get high-risk coverage after a DUI?
  • Does my 2014 Ford Transit Connect need full coverage?
  • Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage basics

Having a good grasp of auto insurance aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on most auto insurance policies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for X-ray expenses, dental work and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Ford Transit Connect.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, vandalism, theft and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

This will pay to fix damage to your Transit Connect resulting from a 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 things such as scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Liability insurance

This coverage will cover injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims. It does not 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. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like bail bonds, emergency aid, structural damage, court costs and loss of income. How much coverage you buy is a personal decision, but buy as large an amount as possible.

In conclusion

We covered some good ideas how you can get a better price on 2014 Ford Transit Connect insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest car insurance rates are with a lesser-known regional company. They may have significantly lower premium rates on certain market segments as compared to the big name companies such as GEICO and State Farm.

Cheaper insurance coverage is definitely available online and from local insurance agents, so you need to shop insurance coverage with both to get a complete price analysis. Some insurance providers do not provide online price quotes and usually these small, regional companies prefer to sell through independent agents.

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