2010 Ford Transit Connect Car Insurance Quotes

Sick and tired of not being able to afford to pay your car insurance bill each month? You are no different than many other drivers.

Popular companies such as State Farm and Geico promote their brand names with catchy ads and it is difficult to sift through the bull and do the work needed to find the best deal.

Cut your premium with discounts

Companies offering auto insurance don’t always list every discount very well, so here is a list both well-publicized as well as the least known ways to save on insurance.

  • Save over 55 – Mature drivers may qualify for a discount up to 10% on Transit Connect insurance.
  • Own a Home – Simply owning a home can help you save on insurance because maintaining a house shows financial diligence.
  • Drivers Education – Have your child complete a driver education course in school.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • One Accident Forgiven – Certain companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Defensive Driving Course – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts up to 30%.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you can get free auto insurance, you won’t be that lucky.

Car insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings may not apply in your state.

Insurance Coverage Quote Comparison

All major insurance coverage companies provide coverage price quotes on the web. Getting online rates is quite easy as you simply enter the amount of coverage you want as detailed in the form. Behind the scenes, their rating system automatically retrieves your driving and credit reports and quotes a price. Online price quotes makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively type in the same information gets old quite quickly. But it is imperative to perform this step in order to find the best price on insurance coverage.

The easiest way to lower your insurance coverage bill requires only one form to return rates from several companies at one time. It saves time, helps eliminate reptitive entry, and makes quoting online much easier to do. After your information is entered, it is rated and you are able to buy your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

To save time and get comparison pricing now, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend that you enter the coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will receive rate quotes based on similar coverages.

What determines your Ford Transit Connect insurance premium

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in better insurance rates.

Listed below are a partial list of the pieces companies use to determine premiums.

  • Your job and insurance rates – Did you know that where you work can have an impact on rates? Occupations like judges, business owners and financial analysts tend to pay higher average rates due to high stress levels and lengthy work days. Conversely, jobs such as scientists, engineers and performers have the lowest average rates on Transit Connect insurance.
  • Protect yourself with liability coverage – The liability section of your policy provides coverage when you are found to be at fault for damages caused by your negligence. Liability provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • How your age affects price – Youthful drivers are known to be more careless behind the wheel so insurance rates are higher. Parents adding a teenage driver onto a policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
  • Extra add-on coverages are wasting money – There are a lot of add-on coverages you can purchase when buying insurance. Insurance for personal injury protection, better glass coverage and term life insurance may be wasting your money. These coverages may sound good initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Traffic citations inflate rates – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one citation can boost insurance rates forty percent or more. Careful drivers receive lower rates compared to drivers with tickets. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Safer occupants lowers premiums – Safer cars tend to have better insurance rates. Safe vehicles protect occupants better and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If the Ford Transit Connect is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Being married can save on insurance – Being married actually saves money on insurance. Marriage means you’re more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Your car’s features help determine rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.

What is the best insurance coverage?

When choosing the best insurance coverage coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can aid in determining if your situation may require specific advice.

  • Do I need replacement cost coverage?
  • Is there coverage for injuries to my pets?
  • What is the minimum liability in my state?
  • How high should my medical payments coverage be?
  • Where can I find DUI or SR-22 insurance?
  • If I drive on a suspended license am I covered?
  • How much underlying liability do I need for an umbrella policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Liability coverages

This protects you from damage that occurs to a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for 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. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like court costs, structural damage, repair costs for stationary objects, medical expenses and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, falling objects, theft and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2010 Ford Transit Connect.

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 very important.

Collision protection

Collision coverage will pay to fix damage to your Transit Connect resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like rehabilitation expenses, prosthetic devices, ambulance fees, funeral costs and surgery. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

A fool and his money are soon parted

Throughout this article, we presented a lot of information how to get a better price on 2010 Ford Transit Connect insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even find the lowest premiums are with a small mutual company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There have been many cases where an accident victim reduced liability coverage limits and learned later that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at the best price while still protecting your assets.

Cost effective insurance is available on the web in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Additional information