Ford Ford Transit-Connect Insurance Rates
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UPDATED: Feb 20, 2020
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No one in their right mind enjoys paying for insurance, particularly when they are paying too much. Insurance companies such as Allstate, Progressive and GEICO all claim big savings, bombarding you with ads and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.
If you have a current insurance coverage policy or are just looking to switch companies, you can follow these tips to find the best rates and still get good coverage. Finding the best rates is not rocket science. Drivers just need to learn the best way to compare company rates over the internet.
Lots of discounts mean lots of savings
Auto insurance companies do not list every available discount in a way that’s easy to find, so the following is a list of some of the more common and the more hidden discounts you could be receiving. If you aren’t receiving every discount available, you’re paying more than you need to.
- Fewer Miles Equal More Savings – Keeping the miles down on your Ford can earn a substantially lower rate.
- Organization Discounts – Being a member of certain professional organizations could qualify you for a break when buying car insurance on Transit Connect coverage.
- Driver Safety – Taking part in a course in driver safety could save 5% or more if your company offers it.
- Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
- Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
- New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
- Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
As a disclaimer on discounts, most discount credits are not given the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.
For a list of insurers offering car insurance discounts, click this link.
Fast and Easy Auto Insurance Quotes
Most major insurance companies give insurance quotes directly from their websites. The process is pretty easy as you simply type in your required coverages as detailed in the form. When complete, the company’s rating system will order information on your driving record and credit history and gives you a price quote based on these factors. Quoting online makes it a lot easier to compare rates but the time it takes to visit several different sites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to perform this step if you want to find better auto insurance pricing.
Rate comparisons made easy
The smarter way to lower your auto insurance bill uses one simple form to obtain quotes from a bunch of companies at once. The form is fast, requires less work, and makes price shopping online much more enjoyable. Once the form is submitted, your coverage is rated and you are able to buy any or none of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process takes 15 minutes at the most and can result in significant savings.
To save time and find out how much you can save on auto insurance, click here and submit the form. If you have your current policy handy, we recommend you replicate the limits and deductibles just like they are on your policy. This guarantees you will have comparison quotes for similar coverage.
Situations that might require an agent
When choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.
- Do all my vehicles need collision coverage?
- Exactly who is provided coverage by my policy?
- Does my 2010 Ford Transit Connect qualify for pleasure use?
- Why am I required to buy high-risk coverage?
- Which companies will insure high-risk drivers?
- Is other people’s property covered if stolen from my vehicle?
- Does my personal policy cover me when driving out-of-state?
- How do I buy GAP insurance?
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
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Insurance policy coverages for a 2010 Ford Transit Connect
Having a good grasp of insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types available from insurance companies.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Transit Connect.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for funeral costs, prosthetic devices, nursing services and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Liability – This coverage will cover damage that occurs to people or other property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.
Liability coverage pays for things like repair bills for other people’s vehicles, attorney fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.
Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as hitting a deer, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like driving through your garage door, rolling your car, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.
More quotes mean more savings
We just presented many ways to lower your 2010 Ford Transit Connect insurance rates. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from the least-expected company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.
As you shop your coverage around, never reduce coverage to reduce premium. There have been many cases where someone sacrificed uninsured motorist or liability limits only to discover later that it was a big error on their part. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.
Affordable insurance can be sourced online in addition to many insurance agents, so compare prices from both to get a complete price analysis. A few companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.
- Smart Auto Insurance Tips (Insurance Information Insitute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Get the Right Protection (InsureUonline.org)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
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