Looking for lower insurance rates for your Ford Transit Van? Have you fallen victim to high-priced insurance? Believe me, you’re not the only one. Because you have many choices of insurance companies, it can be hard to locate the most affordable provider.
It’s a good idea to compare prices on a regular basis because insurance rates change regularly. Just because you found the best deal on Transit van coverage a few years ago there may be better deals available now. Starting right now, ignore everything you know about insurance because you’re going to get a crash course in the proper way to find better rates and still maintain coverage.
Choosing the best insurance company for you is not rocket science. If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Consumers just need to understand the tricks to get comparison rates over the internet.
The best way we recommend to compare insurance rates in your area is to know the trick most of the bigger providers allow for online access to give rate comparisons. To start a quote, the only thing you need to do is give them some information including level of coverage desired, if a SR-22 is required, if the vehicle is leased, and driver details. Your insurance information gets sent immediately to insurance carriers in your area and you will receive price estimates almost instantly.
To start a quote now, click here and enter your coverage details.
Companies don’t necessarily list all their discounts in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find ways to save on insurance coverage. If you aren’t receiving every discount possible, you’re paying more than you need to.
As a disclaimer on discounts, many deductions do not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you could get a free insurance coverage policy, it doesn’t quite work that way.
Companies that possibly offer these benefits are:
Double check with all companies you are considering what discounts are available to you. All car insurance discounts might not be offered everywhere.
When it comes to choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your insurance needs could use an agent’s help.
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can provide invaluable advice.
Having a good grasp of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.
Collision insurance covers damage to your Transit Van resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like scraping a guard rail, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.
Liability coverage can cover damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability insurance covers things like bail bonds, loss of income, legal defense fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.
This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Med pay and PIP coverage kick in for immediate expenses for things like prosthetic devices, EMT expenses, hospital visits and pain medications. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay
This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things like theft, vandalism and a broken windshield. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.