2018 Ford Transit Van Car Insurance Quotes

Looking for better insurance rates for your Ford Transit Van? Finding better insurance prices for a new or used Ford Transit Van can normally be an all-consuming task, but you can use our insurance buying tips to find lower rates. There is a better way to find insurance online and we’ll show you the proper way to get price quotes for your Ford and locate the lowest possible price from local insurance agents and online providers.

It is always a good idea to compare rates quite often because insurance prices fluctuate regularly. Just because you found the lowest price on Transit van coverage at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about insurance because it’s time to teach you the tricks you need to know to save money, get proper coverage and the best rates.

Why you might pay increased rates

Many things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, but other factors are not as apparent like where you live or your vehicle rating.

  • Keep rates low by being claim-free – Auto insurance companies provide the best rates to drivers who are not frequent claim filers. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Safer vehicles cost less to insure – Safer cars cost less to insure. Safer cars help reduce the chance of injuries in an accident and lower rates of occupant injuries means less claims paid and more competitive rates for policyholders.
  • Eliminate unneeded incidental coverages – There are quite a few optional add-on coverages that can waste your money if you don’t pay attention. Insurance for things like rental car reimbursement, towing, and Farm Bureau memberships are probably not needed. The coverages may be enticing when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Your stress level may be raising your prices – Did you know your job can affect your rates? Jobs such as military personnel, business owners and dentists generally pay higher rates than the rest of us in part from job stress and long work hours. Conversely, occupations like professors, athletes and the unemployed pay lower than average rates on Transit van coverage.
  • More policies can equal more savings – Lots of car insurance companies afford a discount to buyers who have multiple policies with them in the form of a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, it’s still a good idea to shop around to ensure the best deal.There is a chance you can save more without the discount by buying from different companies
  • Optional features that cut rates – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Physical damage deductibles – Comp and collision deductibles represent how much money you are required to pay if a covered claim is submitted. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered would be rearending another vehicle, damage caused by hail, or theft of your vehicle. The more money the insured is willing to pay, the less your car insurance will be on Transit van coverage.
  • With age comes lower premiums – Teenage drivers have a tendency to be inattentive when driving and because of this, their car insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, are lower risk to insure , and usually have better credit.

Don’t overlook these insurance coverage discounts

Companies offering auto insurance don’t always advertise every available discount very clearly, so we took the time to find some of the more common as well as the least known ways to save on insurance coverage. If you do not check that you are getting every discount you deserve, you may be paying too high a price.

  • Defensive Driver – Completing a class that teaches driver safety techniques is a good idea and can lower rates if you qualify.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Low Mileage Discounts – Maintaining low annual mileage can qualify you for better premium rates on cars that stay parked.
  • Discount for Good Grades – Being a good student could provide a savings of up to 20% or more. This discount can apply up to age 25.
  • Life Insurance – Some insurance carriers give a break if you buy life insurance from them.
  • Discount for New Cars – Insuring a vehicle that is new can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Lower Rates for Military – Being on active deployment in the military could be rewarded with lower premium rates.
  • Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction on Transit van coverage depending on your insurance coverage provider.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers enroll in driver’s education as it can save substantially.
  • Student in College – who are enrolled in higher education away from home and don’t have a car can receive lower rates.

Drivers should understand that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

Large insurance coverage companies and some of the premium reductions they offer can be found below.

  • Farm Bureau offers discounts for renewal discount, safe driver, youthful driver, multi-policy, and good student.
  • MetLife offers discounts including claim-free, defensive driver, good driver, multi-policy, good student, and accident-free.
  • Progressive includes discounts for multi-vehicle, continuous coverage, online quote discount, good student, online signing, and multi-policy.
  • AAA offers premium reductions for education and occupation, pay-in-full, AAA membership discount, good student, and anti-theft.
  • American Family may have discounts that include TimeAway discount, bundled insurance, air bags, good driver, defensive driver, and mySafetyValet.
  • Geico discounts include driver training, membership and employees, emergency military deployment, anti-theft, and defensive driver.
  • State Farm may include discounts for good driver, multiple policy, Steer Clear safe driver discount, safe vehicle, student away at school, and accident-free.

Before you buy a policy, ask every company which discounts they offer. Some credits might not be available to policyholders in your area. If you would like to see a list of companies who offer cheap insurance coverage quotes, click here.

When to get professional advice

When choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different.

These are some specific questions might help in determining whether your personal situation may require specific advice.

  • When should I buy a commercial auto policy?
  • Should I carry comprehensive and collision coverage?
  • Does having multiple vehicles earn me a discount?
  • When can my company non-renew my policy?
  • How do I buy GAP insurance?
  • Am I insured when driving a different vehicle?
  • Am I getting all the discounts available?
  • Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Specific coverages for a 2018 Ford Transit Van

Having a good grasp of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your 2018 Ford Transit Van.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, hail damage and damage from flooding. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

Liability coverage provides protection from damage that occurs to people or other property. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, legal defense fees and medical expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, crashing into a ditch, sideswiping another vehicle, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills for prosthetic devices, nursing services and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Find Good Coverage for Less

More affordable insurance coverage is available from both online companies as well as from insurance agents, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance coverage companies don’t offer rates over the internet and most of the time these smaller companies prefer to sell through local independent agencies.

When getting auto insurance quotes online, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

Insureds who switch companies do it for a number of reasons such as policy non-renewal, extreme rates for teen drivers, questionable increases in premium and not issuing a premium refund. Whatever your reason, switching insurance coverage companies can be pretty painless.

More information is available at the links below