2011 Ford Transit Connect Insurance Quotes

Searching for affordable auto insurance online can seem to be difficult for beginners to buying insurance online. Since there are so many insurers to choose from, how can you possibly compare every one to find the cheapest rates?

It’s a good idea to do rate comparisons occasionally because insurance rates trend upward over time. If you had the best price on Transit Connect insurance six months ago the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about auto insurance because we’re going to show you the right way to properly buy coverages and cut your premium.

This article will help you learn the best way to quote coverages. If you currently have car insurance, you will be able to save some money using this information. Although car owners benefit from understanding how companies price online insurance because it can help you find the best coverage.

The fastest way that we advise to compare car insurance rates is to realize most of the bigger providers provide online access to compare rate quotes. All you need to do is provide a small amount of information such as how your vehicles are used, your credit rating estimate, the year, make and model of vehicles, and whether your vehicle is owned or leased. That information is instantly provided to many of the top insurers and they return cost estimate with very little delay.

To start a rate quote now, click here and see if a lower rate is available.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but you can get discounts that you may not know about. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be asked about before you will receive the discount.

Discount for Swiching Early – Select companies give a discount for switching policies before your current policy expires. The savings is around 10%.
Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts up to 30%.
Resident Student – Children who are attending college without a vehicle on campus may qualify for this discount.
Multiple Policy Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
Senior Citizens – If you’re over the age of 55, you may be able to get reduced rates on Transit Connect insurance.
Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.

Keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will reduce the amount you have to pay.

To see a list of providers who offer car insurance discounts, click this link.

Car insurance is unique, just like you

When buying proper insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

Do I have coverage when pulling a U-Haul trailer?
If my 2011 Ford Transit Connect is totaled, can I afford another vehicle?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
What is an SR-22 filing?
Does having multiple vehicles earn me a discount?
Do I have newly-aquired coverage?
How does medical payments coverage work?
Which companies will insure high-risk drivers?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Detailed coverages of your insurance policy

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2011 Ford Transit Connect.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for prosthetic devices, EMT expenses, surgery, nursing services and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage pays for damage to your Transit Connect resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Auto liability

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

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as emergency aid, attorney fees, structural damage, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, damage from getting keyed, falling objects, a tree branch falling on your vehicle and damage from flooding. The maximum payout 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 not worth carrying full coverage.