2013 Ford Transit Connect Insurance Rates

Looking for lower insurance coverage rates? Shoppers have options when shopping for low-cost Ford Transit Connect insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to get rate quotes. There is a better way to buy insurance coverage and we’ll show you the best way to compare rates for a Ford and get the lowest price from local insurance agents and online providers.

Vehicle Insurance Comparison

Finding a better price on auto insurance is surprisingly easy. All you need to do is take the time comparing price quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

  1. The fastest way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do boring form submissions to each individual auto insurance company. Just one form gets you price quotes direct from many companies. Just one form and you’re done.
  2. A more time consuming way to find lower rates requires a visit to each company’s website to complete a price quote. For examples sake, we’ll pretend you want to compare USAA, Farmers and Geico. To find out each rate you need to take the time to go to each site and enter your information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  3. The least efficient way of comparing rate quotes is to spend time driving to local insurance agencies. Buying insurance online makes this process obsolete unless you have a need for the personal advice that only a license agent can provide. It is possible to compare the best prices online but buy from a local insurance agent and we’ll talk about that later.

Whichever way you use, make darn sure you compare exactly the same coverage information for every quote you compare. If you use different values for each quote it’s impossible to decipher which rate is best.

Discounts can save BIG

Companies that sell car insurance don’t always advertise all their discounts very well, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving. If you don’t get every credit available, you are paying more than you should be.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • 55 and Retired – Mature drivers can possibly qualify for a small decrease in premiums for Transit Connect coverage.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Multiple Cars – Buying insurance for all your vehicles with the same company qualifies for this discount.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Safety Course Discount – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance because maintaining a house demonstrates responsibility.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

A partial list of companies who might offer these money-saving discounts may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. Savings might not apply everywhere.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Is pleasure use cheaper than using my 2013 Ford Transit Connect to commute?
  • When can I cancel my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance policy coverages for a 2013 Ford Transit Connect

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills for surgery, hospital visits, X-ray expenses and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, hail damage, vandalism and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance – This can cover damage that occurs to other’s property or people in an accident. It protects you against claims from other people. It does not 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 commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, repair bills for other people’s vehicles, funeral expenses and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Transit Connect.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

In the end, you save

Cheap 2013 Ford Transit Connect insurance is attainable online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Consumers change insurance companies for any number of reasons including unfair underwriting practices, policy cancellation, high prices and even delays in paying claims. No matter why you want to switch, finding a great new company can be pretty painless.

Throughout this article, we presented many ideas to save on insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest rates come from some of the lesser-known companies.

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