2016 Ford Transit Van Insurance Quotes

Looking for the cheapest insurance coverage rates for your Ford Transit Van? Are you irritated from being strong-armed to buy insurance coverage? Your situation is no different than the majority of other consumers. Online insurance companies like Progressive, State Farm and Geico constantly bombard you with TV and radio ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

It’s a great practice to compare premium rates once or twice a year because insurance rates change quite often. If you had the best premium rates on Transit van insurance a few years ago the chances are good that you can find a lower price today. Block out anything you think you know about insurance coverage because I’m going to teach you the only way to save on insurance coverage.

If you have a current auto insurance policy or are shopping for new coverage, you can learn to shop for the lowest rates while maintaining coverages. Finding affordable coverage is not rocket science. Vehicle owners only need an understanding of the proper way to get comparison rates on the web.

Buy insurance online

All major insurance companies provide prices for coverage on their websites. Doing online price comparisons can be done by anyone as you just type in your coverage information on the page. When complete, the company’s rating system sends out for reports for credit and driving violations and quotes a price based on these and other factors. This makes it easy to compare insurance prices but the time required to go to multiple sites and type in your information is a big time waster. But it’s absolutely necessary to get many rate quotes if you want to find lower prices.

Keep reading for an easier way to compare prices

The easiest way to locate the lowest prices uses one simple form to get prices from several different companies. This type of form saves time, reduces the work, and makes online shopping much simpler. Immediately after you send the form, your coverage is rated with multiple companies and you can pick any one of the quotes returned.

If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process can be completed in a matter of minutes and could lower your rates considerably.

To compare rates now, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you duplicate your coverages identical to your current policy. This guarantees you will have comparison quotes using the exact same coverages.

Save $445 a year! What?

Consumers get pounded daily by advertisements that claim the lowest rates from the likes of Progressive, Allstate and Geico. All the ads say the same thing of big savings if you switch your coverage.

How is it plausible that every one can make almost identical claims? It’s all in the words they use.

All companies have underwriting criteria for a prospective insured that earns them the highest profit. One example of a driver they prefer may need to be a married female, has no claims, and drives less than 5,000 miles a year. A customer who meets those qualifications will probably get cheap auto insurance rates as well as cut their rates if they switch.

People who don’t qualify for those standards will probably be forced to pay a higher rate which results in the customer not purchasing. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save that much. That is how insurance companies can confidently lure you into getting a quote.

Because of this risk profiling, it is so important to get a wide range of price quotes. You cannot predict which car insurance company will have the lowest rate quotes.

Affordable auto insurance quotes with discounts

Some companies don’t always publicize the complete list of policy discounts very clearly, so the list below contains some of the more common and the harder-to-find discounts that you can inquire about if you buy auto insurance online.

  • Professional Memberships – Being in qualifying employment or professional organizations could qualify you for a break on your next auto insurance statement.
  • Life Insurance Discount – Companies who offer life insurance give a lower price if you buy some life insurance in addition to your auto policy.
  • Responsible Driver Discount – Insureds who avoid accidents can pay as much as 50% less on Transit van insurance as compared to drivers with claims.
  • Good Grades Discount – Being a good student could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
  • Discount for Low Mileage – Driving less can earn lower rates due to less chance of an accident.
  • E-sign Discounts – Many larger companies give back up to $50 for buying a policy and signing up over the internet.
  • Discounts for New Vehicles – Insuring a vehicle that is new can get you a discount because new vehicles keep occupants safer.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

The best auto insurance companies and the discounts they provide are detailed below.

  • American Family policyholders can earn discounts including accident-free, bundled insurance, multi-vehicle, good driver, TimeAway discount, and mySafetyValet.
  • Nationwide may include discounts for accident-free, easy pay, business or organization, multi-policy, Farm Bureau membership, good student, and defensive driving.
  • MetLife offers discounts for good student, good driver, claim-free, defensive driver, and accident-free.
  • 21st Century offers discounts including early bird, good student, teen driver, student driver, automatic seat belts, and homeowners.
  • Farmers Insurance may have discounts that include homeowner, multi-car, business and professional, youthful driver, and bundle discounts.
  • Allstate may offer discounts for economy car, premier plus, farm vehicle, resident student, and defensive driver.

When comparing rates, check with every insurance company what discounts are available to you. Savings might not apply in every state.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions might help in determining if you would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Should I carry comprehensive and collision coverage?
  • How do I insure my teen driver?
  • Is there coverage for injuries to my pets?
  • Who is covered when they drive my 2016 Ford Transit Van?
  • Are split liability limits better than a combined single limit?
  • Is extra glass coverage worth it?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance policy specifics

Knowing the specifics of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for surgery, dental work and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage will cover damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like court costs, medical expenses, pain and suffering, bail bonds and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, damage from getting keyed, hail damage and theft. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This coverage covers damage to your Transit Van resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, hitting a mailbox, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Smart shoppers get results

Some insurance providers may not provide the ability to get a quote online and these regional carriers only sell through independent agents. Cheaper 2016 Ford Transit Van insurance is possible from both online companies and from local insurance agents, and you need to comparison shop both to have the best rate selection.

In this article, we presented a lot of tips how to lower your 2016 Ford Transit Van insurance prices. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even discover the lowest prices come from the smaller companies. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

Helpful learning opportunities