2018 Ford Transit Connect Insurance Quotes

Searching for better insurance rates? Consumers have many options when looking for affordable Ford Transit Connect insurance. They can either waste time calling around getting price quotes or utilize the internet to compare rates. There are more efficient ways to buy insurance so you’re going to learn the proper way to get price quotes on a Ford and obtain the best price possible from both online companies and local agents.

Finding the best rates is quite easy. If you have car insurance now, you will be able to save some money using these tips. Drivers only need to know the most effective way to get comparison rates online.

The quickest way to get rate comparisons is to realize auto insurance companies allow for online access to give free rates quotes. To get started, all you need to do is give the companies some data such as how much you drive, what your job is, if the vehicle is leased, and the type of vehicles you drive. Those rating factors gets sent immediately to all major companies and you should receive rate quotes almost instantly.

To check rates for your Ford Transit Connect now, click here and find out if lower rates are available.

Verify you’re applying every discount

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied at the time of purchase, but some may not be applied and must be asked about prior to getting the savings.

• Sign Early and Save – Select insurance companies give a discount for switching policies before your current policy expires. This discount can save up to 10%.
• Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Multi-car Discount – Drivers who insure all your vehicles with one company can reduce rates for all insured vehicles.
• Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
• Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts as much as 30%.
• Safety Course Discount – Taking part in a class that teaches defensive driver techniques may get you a small discount and easily pay for the cost of the class.
• Auto/Life Discount – Insurance carriers who offer life insurance give a lower price if you buy auto and life insurance together.

A little note about advertised discounts, some credits don’t apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But all discounts will definitely reduce the cost of your policy.

Popular insurance coverage companies and some of the premium reductions they offer include:

• The Hartford has savings for air bag, anti-theft, vehicle fuel type, bundle, good student, and defensive driver.
• American Family offers discounts for bundled insurance, air bags, good driver, Steer into Savings, and TimeAway discount.
• Progressive may include discounts for good student, continuous coverage, online quote discount, multi-policy, online signing, and homeowner.
• Travelers offers discounts including driver training, hybrid/electric vehicle, early quote, continuous insurance, student away at school, and multi-car.
• Farmers Insurance policyholders can earn discounts including switch companies, early shopping, teen driver, distant student, youthful driver, electronic funds transfer, and business and professional.
• USAA may offer discounts for new vehicle, defensive driver, family discount, multi-vehicle, and multi-policy.
• Liberty Mutual may have discounts that include hybrid vehicle, multi-policy, multi-car, newly retired, preferred payment discount, good student, and new move discount.

When getting free auto insurance quotes, it’s a good idea to all the companies how you can save money. Some of the earlier mentioned discounts might not apply in your area. For a list of insurance coverage companies that offer the discounts shown above, click here to view.

When should I discuss my situation with an agent?

When choosing the right insurance coverage, there is no cookie cutter policy. Every situation is different.

For instance, these questions might point out whether your personal situation might need an agent’s assistance.

• Can I get a multi-policy discount?
• What is no-fault insurance?
• If my 2018 Ford Transit Connect is totaled, can I afford another vehicle?
• Does my policy pay for OEM or aftermarket parts?
• When would I need additional glass coverage?
• Am I covered if I hit a deer?
• Am I insured when driving a different vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage specifics

Having a good grasp of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Auto liability insurance – Liability insurance can cover damage that occurs to other’s property or people. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things like pain and suffering, medical services, legal defense fees, bail bonds and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This pays for damage to your Transit Connect resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, hitting a parking meter, scraping a guard rail, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your 2018 Ford Transit Connect.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as ambulance fees, surgery, pain medications and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a deer and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.