2013 Ford Transit Connect Car Insurance Rates – 8 Tips for Best Quotes

Drivers have lots of choices when trying to find the lowest priced Ford Transit Connect insurance. You can either waste hours contacting agents trying to get quotes or save time using the internet to get rate quotes. There are more efficient ways to shop for insurance coverage and you need to know the quickest way to compare rates for a Ford and locate the cheapest rates from both online companies and local agents.

Save on Ford Transit Connect insurance

Car insurance companies do not list every discount in an easy-to-find place, so we researched some of the more common as well as the least known discounts you could be receiving. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could qualify for discounted rates on garaged vehicles.
  • Bundle and Save – When you combine your home and auto insurance with one company you may save approximately 10% to 15%.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Early Signing – Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy qualifies for this discount.
  • Federal Employees – Active or retired federal employment can save as much as 8% for Transit Connect insurance with a few insurance coverage companies.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Student in College – Any of your kids who live away from home without a vehicle on campus can be insured at a reduced rate.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of providers with the best insurance coverage discounts, follow this link.

Misconceptions in auto insurance advertisements

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Allstate and Progressive. All the companies say the same thing that you’ll save big if you switch your coverage to them.

But how can every company claim to save you money? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver that is profitable for them. An example of a driver they prefer might be between 25 and 40, a clean driving record, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who fall outside this ideal profile will be charged a higher premium which usually ends up with business going elsewhere. The ad wording is “customers that switch” not “people who quote” save that much. That’s why companies can advertise the way they do. That is why drivers must quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings on Ford Transit Connect insurance.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

For example, these questions may help you determine if your situation could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Does medical payments coverage apply to all occupants?
  • What is UM/UIM insurance?
  • Why am I required to buy high-risk coverage?
  • Is a blown tire covered by insurance?
  • Am I covered when pulling a rental trailer?

If you can’t answer these 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, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages explained

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses like chiropractic care, hospital visits, nursing services, rehabilitation expenses and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, hail damage, vandalism, damage from flooding and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as legal defense fees, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage protection

This pays for damage to your Transit Connect caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, backing into a parked car, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. 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.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2013 Ford Transit Connect.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Cheaper insurance is a realistic goal

People switch companies for a variety of reasons including policy non-renewal, denial of a claim, an unsatisfactory settlement offer and unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at the best price, not the least amount of coverage.

Affordable 2013 Ford Transit Connect insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

Even more information is available at these sites: