2016 Ford Transit Connect Insurance Quotes

No one looks forward to paying for insurance coverage, in particular when they are paying too much. Consumers have many auto insurance companies to buy insurance from, and although it’s nice to have a choice, it makes it harder to adequately compare rates.

It’s important to price shop coverage quite often because insurance rates go up and down regularly. If you had the best price on Transit Connect insurance on your last policy you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Finding affordable coverage is easy if you know what you’re doing. If you have insurance now or need new coverage, you can learn to cut your premiums and still get good coverage. Drivers just need to understand the tricks to compare company rates online.

Factors that can influence Ford Transit Connect insurance rates

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for car insurance. Understanding what determines base rates helps enable you to make changes that can help you get better car insurance rates.

  • Don’t buy coverages you don’t need – There are many add-on coverages that you can buy when buying car insurance. Coverages like rental car reimbursement, towing coverage and membership fees may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so get rid of them and save.
  • Bad driving skills means higher rates – Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Even a single speeding ticket can bump up the cost by as much as thirty percent. If you have severe violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Do you know you’re credit rating? – A driver’s credit score is a large factor in your rate calculation. People with excellent credit tend to be more responsible than those with lower credit ratings. If your credit score is low, you could potentially save money when insuring your 2016 Ford Transit Connect by repairing your credit.
  • Safer occupants lowers premiums – Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies and thus lower rates. If your Ford Transit Connect has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Liability coverage is cheap – The liability section of your policy is the coverage that protects you if ever you are found to be at fault for damages caused by your negligence. Liability provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Older drivers save more – Older drivers are more cautious drivers, tend to file fewer claims and get fewer tickets. Teenage drivers are known to be more careless behind the wheel and because of this, their car insurance rates are much higher.
  • High numbers of claims are not good – Car insurance companies generally give cheaper rates to policyholders who are claim-free. If you are a frequent claim filer, you can definitely plan on higher rates. Insurance coverage is designed for the large, substantial claims.

The easiest way to compare insurance rates in your area is to understand auto insurance companies have advanced systems to provide you with a free rate quote. All consumers are required to do is provide the companies a bit of rating information such as the year, make and model of vehicles, deductibles desired, how your vehicles are used, and driver details. That information is instantly provided to many of the top insurers and they return rate quotes with very little delay.

Don’t believe everything you hear

Consumers can’t get away from ads that promise big savings by State Farm, Allstate and Geico. All the ads say the same thing about savings if you move to their company.

But how can every company make almost identical claims?

All the different companies can use profiling for the driver that is profitable for them. An example of a desirable insured might be over the age of 40, insures multiple vehicles, and has a short commute. Any driver who fits that profile is entitled to the best price and therefore will save when switching.

Consumers who don’t qualify for the “perfect” profile will be charged higher premiums which usually ends up with the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently advertise the savings. That is why it’s extremely important to get a wide range of price quotes. It is impossible to predict the company that will have the lowest Ford Transit Connect insurance rates.

Companies offer discounts so take them!

Car insurance companies don’t always list all their discounts in a way that’s easy to find, so we break down both well-publicized and the harder-to-find insurance coverage savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Transit Connect insurance with certain companies.
  • Good Student Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Low Mileage Discounts – Low mileage vehicles can earn a substantially lower rate.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.

It’s important to understand that some credits don’t apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

To see a list of providers who offer insurance coverage discounts, click here to view.

Do I just need basic coverages?

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help you determine whether or not you would benefit from professional advice.

  • Do I pay less for low miles?
  • Is business equipment covered while in my vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Can I make deliveries for my home business?
  • What is PIP insurance?
  • Should I have a commercial auto policy?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like hospital visits, chiropractic care and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

This coverage provides protection from damage or injury you incur to a person or their property. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like repair costs for stationary objects, emergency aid, legal defense fees and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2016 Ford Transit Connect.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, falling objects and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This coverage pays for damage to your Transit Connect resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, backing into a parked car, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Shop. Compare. Save.

In this article, we presented a lot of ways to get a better price on 2016 Ford Transit Connect 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. Consumers could even find that the best price on auto insurance is with a smaller regional carrier. They may have significantly lower rates on certain market segments than their larger competitors like Progressive or Geico.

Lower-priced insurance can be found online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

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