2014 Ford Transit Connect Car Insurance Rates

Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are no different than many other drivers.

There are many insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, so many choices can make it hard to compare rates.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. But consumers must understand how insurance companies price online insurance and take advantage of how the system works.

Finding Auto Insurance

There are a lot of ways to compare auto insurance prices but some are more efficient than others. You could spend your day talking to agents in your area, or you could save time and use the internet to achieve your goal.

All the larger companies enroll in a system where prospective buyers only type in their quote data once, and each participating company provides a quote based on that data. This prevents consumers from doing form submissions to every company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to getting quotes like this is you don’t know exactly the providers you will receive quotes from. If you would rather choose individual companies for rate comparison, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just compare the exact same coverage limits and deductibles on every quote you get. If you have higher or lower deductibles then you won’t be able to determine the lowest rate for your Ford Transit Connect. Just a small difference in limits may result in a large different in cost. And when quoting auto insurance, remember that getting more free quotes helps locate the best rates.

Get lower rates on 2014 Ford Transit Connect insurance

Companies that sell car insurance don’t always list every discount very clearly, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance.

  • Multi-policy Discount – When you combine your home and auto insurance with one company you will save approximately 10% to 15%.
  • Memberships – Participating in certain professional organizations is a good way to get lower rates on auto insurance for Transit Connect insurance.
  • Federal Employees – Active or retired federal employment may qualify you for a discount for Transit Connect insurance with a few auto insurance companies.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Drivers Education – Have your child complete a driver education course if it’s offered in school.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Transit Connect insurance than less cautious drivers.
  • Own a Home – Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

A partial list of companies who might offer these money-saving discounts include:

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

Tailor your coverage to you

When choosing the best insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can aid in determining if your situation may require specific advice.

  • What is UM/UIM insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I have a commercial auto policy?
  • Do I need motorclub coverage?
  • How can I force my company to pay a claim?
  • Should I bundle my homeowners policy with my auto?
  • If my 2014 Ford Transit Connect is totaled, can I afford another vehicle?
  • Is my 2014 Ford Transit Connect covered for flood damage?
  • Is rental equipment covered for theft or damage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.

Medical costs insurance

Med pay and PIP coverage kick in for expenses like ambulance fees, doctor visits, chiropractic care and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Liability coverages

This coverage will cover damage that occurs to other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like medical expenses, pain and suffering, loss of income, emergency aid and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Transit Connect.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, driving through your garage door, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, vandalism and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Pennies from heaven

When trying to cut insurance costs, never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice physical damage coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

In this article, we presented quite a bit of information on how to save on 2014 Ford Transit Connect insurance. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with some of the lesser-known companies. Regional companies often have lower prices on specific markets as compared to the big name companies such as State Farm and Allstate.

More tips and info about car insurance is available at these sites: