Cheap 2017 Ford Transit Connect Insurance Rates

Paying for expensive Ford Transit Connect insurance can overdraw your funds and put a big crunch on your finances. Comparison shopping is a fast and free way to lower your monthly bill.

Due to the abundance of online and local companies to choose from, it is hard for the average consumer to choose the right car insurance company.

Verify you’re applying every discount

Auto insurance companies do not advertise every policy discount very clearly, so the next list breaks down some of the more common and also the more inconspicuous credits that you can use to lower your rates.

  • Pay Early and Save – By paying your policy upfront rather than spreading payments over time you could save 5% or more.
  • No Charge for an Accident – but some companies like State Farm, Progressive and GEICO will let one accident slide before your rates go up if you have no claims for a particular time prior to the accident.
  • Low Mileage – Low mileage vehicles can earn cheaper prices.
  • Senior Citizens – Drivers over the age of 55 can get better insurance rates for Transit Connect coverage.
  • Bundled Policy Discount – If you can combine your home and auto policy and insure them with the same company they may give you a discount of at least 10% off all policies.
  • Own a Home and Save – Being a homeowner can earn you a little savings because owning a home is proof of financial responsibility.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance.
  • Military Discounts – Having a family member in the military can result in better rates.

Just know that most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

To view insurance companies that have a full spectrum of discounts, click here.

How to compare free auto insurance quotes

All the larger auto insurance companies like Progressive, GEICO, Allstate and State Farm give prices on the web. Doing online quotes is possible for anyone because you just enter your coverage information into a form. Once you submit the form, the company’s rating system collects your driving and credit reports and generates pricing information based on these and other factors. This makes it easy to compare insurance prices but the time required to go to different websites and complete many quote forms is monotonous and tiresome. But it’s also necessary to do this if you want to get the best price on auto insurance.

There is an easier way!

The easiest way to get multiple rate quotes is to use a quote form that gets prices from several different companies. It saves time, requires less work, and makes online quotes much easier to do. After sending the form, it gets priced and you can select any one of the quotes that you receive.

If you find a better price you can click and sign and buy the policy. The entire process only takes a few minutes and you will know how your current rates stack up.

To quickly find out if lower rates are available, click here to open in a new tab and input your coverage information. If you currently have coverage, we recommend you enter deductibles and limits exactly as shown on your declarations page. This way, you will have rate quotes for similar coverage.

Seven factors that affect insurance premiums

Many different elements are part of the calculation when premium rates are determined. Some of the criteria are obvious such as your driving record, but some are less apparent like your continuous coverage or your financial responsibility.The best way to find cheaper car insurance is to take a look at the factors that go into determining your car insurance rates. If you know what determines base rates, this empowers consumers to make smart changes that could result in lower car insurance prices.

  • Avoid traffic tickets – Just one driving citation could increase your next policy renewal twenty percent or more. Drivers who don’t get tickets receive lower rates as compared to those with violations. Drivers who have received careless citations such as DUI or reckless driving may need to submit a SR-22 form with their state’s licensing department in order to continue driving.
  • Low comp and collision deductibles mean high rates – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Examples of covered claims are a dented fender, damage caused by hail, and damage caused by flying debris. Deductibles for physical damage represent how much money you are willing to pay out-of-pocket before your car insurance pays a claim. The more of the claim you choose to pay out-of-pocket, the less your company will charge you for insurance for Transit Connect coverage.
  • Getting married can lower prices – Having a significant other may save some money on your policy. Having a spouse may mean you are more financially stable and it’s statistically proven that drivers who are married are more cautious.
  • Liability coverage is important – Liability insurance kicks in when you are responsible for personal injury or accident damage. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Lower prices with alarms and GPS tracking – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft.
  • Employer stress can make you pay more – Careers such as judgesair traffic controllers and medical professionals tend to pay higher rates than average due to intense work situations and long work hours. On the flip side, careers like scientists, athletes and performers generally pay rates lower than average for Transit Connect coverage.
  • Is auto insurance cheaper for women or men? – Over the last 30 years, statistics show that females tend to be a little less risky than males. However, this does not mean women are BETTER drivers than men. Women and men have fender benders in similar numbers, but the males have costlier accidents. Not only are claims higher, but men receive more major tickets such as reckless driving. Youthful male drivers cause the most accidents and therefore are the most expensive to insure.

When should I discuss my situation with an agent?

When buying coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • When can my company non-renew my policy?
  • Should I bundle my homeowners policy with my auto?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I pay less for low miles?
  • Why do I only qualify for high-risk insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Insurance policy coverages for a 2017 Ford Transit Connect

Understanding the coverages of insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Liability insurance

Liability insurance will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, rock chips in glass and theft. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, scraping a guard rail, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as X-ray expenses, nursing services and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Spend less. Save more.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. The goal is to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

Discount 2017 Ford Transit Connect insurance can be sourced from both online companies and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who may not offer online quoting and many times these smaller companies only sell through independent insurance agents.

To read more, feel free to visit the resources below: