Lower Your 2017 Ford Transit Wagon Car Insurance Quotes

Searching for lower insurance rates for your Ford Transit Wagon? Do you think you bought an expensive insurance policy? You’re in good company because many consumers are in the same pinch.

Vehicle owners have many insurance companies to insure vehicles with, and although it’s nice to be able to choose, more choices can make it harder to compare rates and cut insurance costs.

How to compare insurance coverage quotes

Comparing insurance coverage rates can be a daunting task if you aren’t aware of the best way to get rate quotes. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each company returns a rated price determined by their information. This prevents consumers from doing form submissions to each company.

To compare rates using this form now click to open in new window.

The one downside to using this type of system is you don’t know exactly which carriers to get pricing from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

The method you choose is up to you, but do your best to enter the same deductibles and coverage limits for each quote you get. If the quotes have unequal deductibles or liability limits you will not be able to determine which rate is truly the best. Just a small difference in insurance coverages may cause a big price difference. And when comparison shopping, comparing more company’s prices helps you find more affordable insurance.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing the best auto insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

  • What is the minimum liability in my state?
  • What vehicles should carry emergency assistance coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Does coverage extend to Mexico or Canada?
  • When should I not file a claim?
  • Does coverage extend to a rental car in a foreign country?
  • Do I benefit by insuring my home with the same company?
  • Is my ex-spouse still covered by my policy?
  • Am I covered if hit by an uninsured driver?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Insurance policy coverages for a 2017 Ford Transit Wagon

Having a good grasp of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, a tree branch falling on your vehicle, fire damage, vandalism and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses such as nursing services, doctor visits, X-ray expenses, hospital visits and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like court costs, structural damage, loss of income and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Collision protection

Collision coverage covers damage to your Transit Wagon 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 coverage pays for claims such as damaging your car on a curb, sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability 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. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.