2015 Ford Transit Wagon Car Insurance Rates – 9 Tricks for Cheapest Quotes

Trying to find lower car insurance rates for your Ford Transit Wagon? Pretty sure you bought high-priced car insurance? Trust us when we tell you many consumers feel financially strained by their car insurance policy. Due to the increasing number of online and local companies to choose from, it’s difficult to choose the best insurance company.

How to lower your insurance coverage cost

All the larger insurance coverage companies such as Allstate and Progressive give coverage prices directly from their websites. Doing online price comparisons is pretty easy as you simply enter the coverage amounts you desire into the form. After you complete the form, their quoting system orders credit information and your driving record and generates pricing information based on these and other factors. Online price estimates makes it simple to compare prices but having to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it’s also necessary to do this if you are searching for the best price on insurance coverage.

Compare rates the easy way

A better way to lower your insurance coverage bill uses one simple form to get prices from many companies. The form is fast, requires much less work on your part, and makes comparison shopping a little more enjoyable. After your information is entered, it is quoted with multiple companies and you can pick any of the returned quotes. If a lower price is quoted, you can click and sign and purchase coverage. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

In order to fill out one form to compare multiple rates now, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you type in the coverages identical to your current policy. Using the same limits helps guarantee you will be getting comparison quotes using the same coverage and limits.

Get cheaper rates with these nine discounts

Insuring your fleet can be pricey, but you may be missing some discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time you complete a quote, but some discounts are required to be asked for prior to getting the savings.

  • Discounts for Safe Drivers – Drivers without accidents can save as much as half off their rates for Transit Wagon insurance than drivers with accident claims.
  • Driver Safety – Taking a defensive driver course could cut 5% off your bill depending on where you live.
  • Discount for Life Insurance – Select companies reward you with a lower price if you buy a life policy as well.
  • ABS Braking Discount – Cars and trucks with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
  • Multiple Vehicles – Buying a policy with multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
  • Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
  • Data Collection Discounts – Insureds that choose to allow their insurance company to spy on when and where they use their vehicle by using a telematic data system such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
  • Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a auto insurance quote.

Don’t be shocked that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, it just doesn’t work that way.

A list of car insurance companies and their possible discounts can be found below.

  • American Family offers discounts including good student, mySafetyValet, defensive driver, multi-vehicle, and good driver.
  • State Farm may offer discounts for anti-theft, multiple policy, defensive driving training, accident-free, and multiple autos.
  • 21st Century may have discounts that include student driver, defensive driver, good student, early bird, theft prevention, air bags, and anti-lock brakes.
  • Travelers includes discounts for multi-policy, early quote, good student, hybrid/electric vehicle, and IntelliDrive.
  • GEICO offers discounts for five-year accident-free, multi-vehicle, multi-policy, military active duty, and driver training.

Double check with every company to apply every possible discount. Some of the discounts discussed earlier may not apply to policies in every state. For a list of car insurance companies that offer discounts, follow this link.

What is the best auto insurance coverage?

When it comes to buying coverage, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might point out whether or not you would benefit from an agent’s advice.

  • Will my insurance pay for OEM parts?
  • Am I covered if my car is in a flood?
  • Do I need an umbrella policy?
  • How do I buy GAP insurance?
  • Do I need roadside assistance coverage?
  • Are rental cars covered under my policy?
  • Which is better, split liability limits or combined limits?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage options for a Ford Transit Wagon

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Auto collision coverage

This pays for damage to your Transit Wagon resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, scraping a guard rail, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills such as prosthetic devices, hospital visits, chiropractic care and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This 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 your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as medical services, structural damage, repair costs for stationary objects, emergency aid and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, rock chips in glass, a broken windshield and fire damage. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.