2012 Ford Transit Connect Insurance Cost – 7 Tips to Save

Having to pay for overpriced insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Drivers have multiple car insurance companies to purchase coverage from, and though it is a good thing to have a choice, it can be more difficult to compare rates.

Vehicle Insurance Comparison

There are multiple methods to compare 2012 Ford Transit Connect insurance coverage quotes, and some are easier and takes less work. You can spend countless hours talking to insurance companies in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most of the best insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and every company returns a competitive quote based on the submitted data. This saves time by eliminating quotation requests to each individual insurance coverage company.

To find out what other companies charge for 2012 Ford Transit Connect insurance click to open in new window.

The only drawback to comparing rates this way is you don’t know exactly the companies you want pricing from. If you wish to select specific providers for rate comparison, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just double check that you are using exactly the same quote information for each comparison quote. If you are comparing different liability limits then you won’t be able to find the best deal for your Ford Transit Connect.

Don’t overlook these seven discounts

Auto insurance companies don’t list every available discount very clearly, so we took the time to find some of the more common and the more hidden discounts you could be receiving. If you’re not getting every credit available, you are paying more than you should be.

Auto/Home Discount – When you combine your home and auto insurance with one company you will save approximately 10% to 15%.
Life Insurance Discount – Some companies give better rates if you take out a life insurance policy as well.
Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
No Accidents – Drivers who don’t have accidents pay less when compared to bad drivers.
Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
Service Members Pay Less – Being deployed with a military unit could mean lower rates.
E-sign – Some insurance companies may give you up to $50 just for signing your application over the internet.

It’s important to note that most credits do not apply to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

Companies who might offer these money-saving discounts include:

Check with all companies you are considering which discounts they offer. All car insurance discounts may not apply in your area.

Is my situation unique?

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help you determine whether you might need professional guidance.

Does my insurance cover my expensive audio equipment?
Is extra glass coverage worth it?
If my 2012 Ford Transit Connect is totaled, can I afford another vehicle?
Which companies will insure high-risk drivers?
Is motorclub coverage worth it?
Am I covered if hit by an uninsured driver?
Does my policy pay for OEM or aftermarket parts?
Should I have a commercial auto policy?
Do I need PIP coverage since I have good health insurance?
Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage basics

Understanding the coverages of insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like rehabilitation expenses, EMT expenses, prosthetic devices and X-ray expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, rock chips in glass, damage from flooding and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford Transit Connect.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for collisions

Collision insurance will pay to fix damage to your Transit Connect caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, damaging your car on a curb, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Auto liability

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like bail bonds, legal defense fees and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Take this to the bank

Budget-conscious 2012 Ford Transit Connect insurance can be purchased from both online companies as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some companies don’t offer online price quotes and these smaller companies work with independent agents.

We’ve covered a lot of ways to get a better price on insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a small local company. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as Progressive or Geico.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. There have been many cases where an insured dropped liability limits or collision coverage only to find out that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best price while not skimping on critical coverages.