Lower Your 2017 Ford Transit Wagon Car Insurance Cost

Having to pay for overpriced Ford Transit Wagon insurance can draw down your family’s budget and make it hard to pay other bills. Comparing cost estimates is recommended to make ends meet.

Because you have many options, it is hard for the average consumer to choose the best insurer.

Finding the best rates is not rocket science. In a nutshell, every vehicle owner who is required by state law to have car insurance stands a good chance to be able to reduce their rates. But consumers must learn how companies price online insurance and take advantage of how the system works.

Discounts to earn cheaper insurance coverage rates

Companies that sell car insurance don’t always list every discount they offer very clearly, so the list below contains a few of the more well known and the more hidden discounts you could be receiving when you buy auto insurance online.

• First Accident Forgiveness – but companies like Progressive, State Farm and Geico allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
• Cautious Driver Discount – Drivers who avoid accidents can save as much as half off their rates on Transit Wagon coverage as compared to drivers with claims.
• Student in College – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car could get you a discount.
• Mature Driver Discount – Mature drivers may receive reduced rates on Transit Wagon coverage.
• Life Insurance – Some insurance carriers give a small discount if you purchase a life policy as well.
• Telematics Discount – People who choose to allow companies to track vehicle usage remotely like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.

It’s important to note that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

A few popular companies and some of the premium reductions they offer are outlined below.

• Farm Bureau has discounts for safe driver, driver training, multi-policy, youthful driver, multi-vehicle, and good student.
• Liberty Mutual offers discounts including multi-policy, hybrid vehicle, safety features, multi-car, exclusive group savings, preferred payment discount, and good student.
• State Farm offers discounts for good student, good driver, student away at school, defensive driving training, Drive Safe & Save, accident-free, and Steer Clear safe driver discount.
• Auto-Owners Insurance discounts include anti-theft, multi-policy, air bags, anti-lock brakes, paperless, and safe driver.
• Geico may have discounts that include multi-vehicle, membership and employees, anti-theft, anti-lock brakes, good student, seat belt use, and defensive driver.
• SAFECO includes discounts for safe driver, anti-theft, bundle discounts, anti-lock brakes, and teen safety rewards.

Before you buy a policy, ask each insurance company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policies in your area. If you would like to choose from a list of insurance companies that offer the discounts shown above, click here to view.

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Why informed consumers pay less for Ford Transit Wagon insurance

A large part of saving on car insurance is knowing the different types of things that help determine car insurance rates. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that could help you find lower car insurance prices.

The list below includes some of the things used by insurance companies to determine your rate level.

• Save money by staying claim free – If you are the type of insured that files lots of claims you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies award cheaper rates to drivers who file claims infrequently. Auto insurance is intended to be relied upon for claims that pose a financial burden.
• Youthful drivers pay higher prices – More experienced drivers are more responsible, tend to file fewer claims and get fewer tickets.Drivers with little experience have a tendency to be careless and easily distracted when driving so they pay higher car insurance rates.
• Costs can change based on your address – Choosing to live in a rural area may provide you with better prices when insuring your vehicles. Urban drivers tend to have traffic congestion and more time behind the wheel. Fewer drivers on the road corresponds to lower accident rates and lower theft and vandalism rates.
• Low stress occupation equals lower car insurance rates – Careers such as real estate brokersairline pilots and stock brokers generally have higher premium rates because of high stress levels and lots of time spent at work. On the flip side, careers such as professors, students and the unemployed have lower than average premiums on Transit Wagon coverage.
• Deter vehicle theft – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different and your policy should reflect that. For example, these questions might help in determining whether or not you may require specific advice.

• Are my tools covered if they get stolen from my vehicle?
• How much underlying liability do I need for an umbrella policy?
• Do I need PIP (personal injury protection) coverage in my state?
• Does my insurance cover a custom paint job?
• Can I pay claims out-of-pocket if I buy high deductibles?
• How high should my medical payments coverage be?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Having a good grasp of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, rolling your car, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverages

Liability insurance will cover injuries or damage you cause to other people or property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like medical expenses, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, fire damage, vandalism, a tree branch falling on your vehicle and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses like prosthetic devices, rehabilitation expenses and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

A little work can save a LOT of money

In this article, we presented a lot of tips how to reduce 2017 Ford Transit Wagon insurance car insurance rates online. The most important thing to understand is the more you quote auto insurance, the better your comparison will be. You may even discover the biggest savings come from a small mutual company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

Cheaper insurance coverage can be purchased online as well as from independent agents, so you need to shop auto insurance with both to get a complete price analysis. A few companies do not offer the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agencies.

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. The goal is to get the best coverage possible at the best price, but do not skimp to save money.

Helpful resources

• Credit Impacts Car Insurance Rates (State Farm)
• Older Driver Statistics (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)

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