How Much Does 2015 Ford Transit Connect Insurance Cost?

Scraping up a payment for overpriced Ford Transit Connect insurance can take a big chunk out of your bank account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Having so many insurance coverage companies to choose from, it can be hard to find the most affordable insurer.

Take advantage of discounts

Car insurance can cost a lot, but there could be available discounts that many people don’t even know exist. Certain discounts will be triggered automatically at quote time, but some must be specially asked for prior to getting the savings.

  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off on Transit Connect coverage with certain companies.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • Safety Course Discount – Taking a defensive driving course can save you 5% or more if you qualify.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like all the discounts add up to a free policy, insurance companies aren’t that generous. Any qualifying discounts will bring down the cost of coverage.

For a list of insurance companies offering insurance discounts, click this link.

How to Lower Your Car Insurance Cost

All major car insurance companies give price estimates on their websites. This process is fairly straightforward as you just enter your coverage preferences as requested by the quote form. Behind the scenes, the system gets credit information and your driving record and returns a price quote based on these and other factors. Being able to quote online streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively complete many quote forms is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you want to find the lowest car insurance rates.

Isn’t there an easier way to compare rates?

A quicker way to find cheaper rates requires only one form that analyzes rates from several different companies. It saves time, requires less work, and makes rate comparisons much more enjoyable and efficient. Immediately after you send the form, your coverage is rated and you are able to buy your choice of the quote results.

If you find a better price you can click and sign and purchase the new policy. The whole process only takes a few minutes and can result in significant savings.

To fill out one form to compare multiple rates now, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you input deductibles and limits just like they are on your policy. This way, you will receive a rate comparison for the exact same coverage.

How to know if you need help

When it comes to choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether or not you could use an agent’s help.

  • Am I covered if my car is in a flood?
  • Will filing a claim cost me more?
  • Should I put collision coverage on all my vehicles?
  • Do I need more liability coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my Ford Transit Connect covered if I use it for business?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

What car insurance coverages do you need?

Having a good grasp of car insurance aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.

Comprehensive car insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, theft, vandalism, rock chips in glass and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance – This can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical expenses, structural damage and medical services. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Transit Connect.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Coverage for medical expenses – Med pay and PIP coverage pay for short-term medical expenses for things like funeral costs, prosthetic devices, pain medications, ambulance fees and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision coverage will pay to fix damage to your Transit Connect from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, crashing into a ditch, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Be a smart shopper

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured cut liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.

You just learned many ideas to compare 2015 Ford Transit Connect insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers may even find the lowest priced car insurance comes from a small mutual company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

Cheaper insurance can be bought online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

Additional car insurance information can be read at the links below