How Much Does 2015 Ford Transit Connect Car Insurance Cost?

Did you come to the realization that you have an overpriced car insurance policy? Don’t feel bad because many consumers feel financially strained by their car insurance policy.

Because there are so many online and local companies to choose from, it can be diffult for drivers to choose the most cost effective insurance company.

Buying car insurance is quite easy. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Although car owners must learn the way companies compete online because it can help you find the best coverage.

The easiest way to compare policy rates is to realize all the major auto insurance companies allow for online access to give rate comparisons. The one thing you need to do is provide details including whether you are married, driver details, your general credit rating, and what you do for a living. That rating data gets sent immediately to insurance companies and you should receive rate quotes instantly.

Get cheaper insurance coverage with discounts

Companies don’t always list all disounts in an easy-to-find place, so we break down a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

  • Smart Student Discounts – Excelling in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off on Transit Connect insurance with certain companies.
  • Sign Online – A few larger online companies will give you a small discount shop insurance on the web.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts may earn rate discounts of 25 to 30%.
  • Senior Citizen Rates – Drivers over the age of 55 are able to get reduced rates on Transit Connect insurance.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. But all discounts should help reduce the amount you pay for coverage.

Large insurance coverage companies and some of the premium reductions they offer are shown below.

  • State Farm offers discounts including good student, anti-theft, driver’s education, multiple policy, and multiple autos.
  • Esurance may include discounts for DriveSense, homeowner, defensive driver, Pac-12 alumni, safety device, multi-policy, and online shopper.
  • Progressive discounts include homeowner, multi-policy, multi-vehicle, continuous coverage, good student, online signing, and online quote discount.
  • Liberty Mutual may offer discounts for multi-policy, good student, new move discount, preferred payment discount, safety features, teen driver discount, and multi-car.
  • Auto-Owners Insurance policyholders can earn discounts including paid in full, anti-lock brakes, company car, air bags, and safe vehicle.
  • GEICO includes discounts for anti-theft, multi-policy, driver training, seat belt use, and good student.

Before you buy a policy, ask every company which credits you are entitled to. All car insurance discounts might not apply in your area. To choose insurance coverage companies who offer discounts, click here.

Informed consumers can reduce their insurance rates

Many factors are part of the calculation when premium rates are determined. Most are fairly basic like your driving record, but some are less apparent such as your credit history or how safe your car is.Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. If you understand what impacts premium levels, this helps enable you to make changes that may reward you with much lower annual insurance costs.

The following are some of the things used by insurance companies to determine your rate level.

  • Gender impacts rates – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean females are better at driving than males. They both cause at-fault accidents in similar percentages, but the males have costlier accidents. Not only are claims higher, but men get more serious tickets such as reckless driving. Males from age 16 to 21 cause the most accidents and thus pay the highest rates.
  • Higher coverage deductibles reduce rates – Your deductibles state the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. Physical damage protection, also called ‘full coverage’, protects your car from damage. Some instances where coverage would apply could be a windshield broken by a bird, animal collisions, or theft of your vehicle. The more of the claim you pay before a claim is paid (deductible), the bigger discount you will receive on Transit Connect insurance.
  • Liability insurance limits on your policy – The liability section of your policy will protect you in the event that a jury decides you are liable for causing personal injury or damage in an accident. This coverage provides for a legal defense to defend your case. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • No car insurance policy gaps is important – Driving any period of time without insurance can get you a ticket and any future policy may cost more because you let your insurance expire. Not only will rates go up, failure to provide proof of insurance can result in fines and jail time.
  • Multiple policies with one company can save – The majority of insurance companies provide a discount to customers that buy multiple policies, otherwise known as a multi-policy discount. Even if you’re getting this discount drivers will still want to comparison shop to guarantee you are still saving the most. Consumers may save money even if you have your coverage with different companies
  • Is your vehicle theft-ready? – Choosing to buy a car with an alarm system can save you some money. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent vehicle theft.
  • Is you vocation costing you more? – Occupations such as fire fighters, architects and miners generally pay higher rates than average because of high stress levels and incredibly demanding work hours. Other careers like actors, engineers and performers pay lower than average rates on Transit Connect insurance.

Tailor your auto insurance coverage to you

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different so your insurance should reflect that For example, these questions may help you determine whether you may require specific advice.

  • How does medical payments coverage work?
  • Should I put collision coverage on all my vehicles?
  • How do I insure my teen driver?
  • How much liability coverage do I need in my state?
  • Which is better, split liability limits or combined limits?
  • Can I still get insurance after a DUI?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverage options for a Ford Transit Connect

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on the average auto insurance policy.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for dental work, rehabilitation expenses, chiropractic care and pain medications. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Transit Connect.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverage

This coverage will cover damage or injury you incur to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like medical expenses, structural damage and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

Collision insurance covers damage to your Transit Connect resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like rolling your car, damaging your car on a curb, driving through your garage door, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like fire damage, hitting a deer, a tree branch falling on your vehicle and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Feed the piggy bank

Budget-conscious 2015 Ford Transit Connect insurance is definitely available online in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers may not provide rates over the internet and many times these smaller providers work with independent agents.

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to find out that it was a big error on their part. The aim is to buy the best coverage you can find for the lowest cost.

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