2011 Ford Transit Connect Car Insurance Rates – 6 Tips for Best Quotes

Want lower insurance coverage rates for your Ford Transit Connect? Have you fallen victim to overpriced insurance coverage? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Big-name insurance companies like Progressive, Geico and Farmers Insurance promote their brand names with ad campaigns and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

How to Compare Car Insurance Costs

There are several ways to shop for Ford Transit Connect car insurance, and some are less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with agents in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Many of the larger companies belong to an insurance system where prospective buyers submit their information once, and each company then gives them pricing based on that data. This prevents consumers from doing quote requests for each company you want a rate for.

To find out what other companies charge for 2011 Ford Transit Connect insurance click here (opens in new window).

The only drawback to using this type of system is you don’t know exactly which companies you will receive quotes from. So if you prefer to choose from a list of companies to compare rates, we have a listing of the cheapest car insurance companies in your area. Click to view list.

Whichever method you choose, be sure to compare the exact same quote information with every price quote. If you enter different liability limits then you won’t be able to determine which rate is truly the best. Having just a slight variation in coverage limits may cause a big price difference. And when comparison shopping, more quotes gives you a better chance of getting lower pricing.

Cut your premium with these six discounts

Companies don’t list every discount very clearly, so the following is a list of some of the more common and the more hidden discounts you could be receiving.

  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Defensive Driver – Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on Transit Connect coverage than less cautious drivers.
  • Own a Home – Being a homeowner can help you save on insurance because maintaining a house requires personal responsibility.

Consumers should know that some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

Companies that may offer these benefits may include but are not limited to:

Double check with each insurance company how you can save money. Some discounts may not be available in your area.

What is the best insurance coverage?

When buying the best auto insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether you might need professional guidance.

  • Am I covered when delivering products for my home-based business?
  • I have health insurance so do I need medical payments coverage?
  • If my 2011 Ford Transit Connect is totaled, can I afford another vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I have coverage if my license is suspended?
  • Should I buy full coverage?
  • How much can I save by bundling my policies?
  • Is my 2011 Ford Transit Connect covered for smoke damage?
  • Am I covered when driving a rental car?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hail damage, damage from flooding, fire damage and a broken windshield. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This covers damage to your Transit Connect from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers 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 important protection for you and your family.

Liability coverages

Liability insurance will cover injuries or damage you cause to a person or their property. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims such as repair costs for stationary objects, funeral expenses, attorney fees, bail bonds and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as hospital visits, funeral costs, dental work and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

What is YOUR best insurance company?

In this article, we presented a lot of information how to lower your 2011 Ford Transit Connect insurance rates. The key thing to remember is the more quotes you get, the better your comparison will be. You may even find the most savings is with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

Budget-conscious insurance can be found both online and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not offer online price quotes and these regional insurance providers work with independent agents.

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