Ford Ford Transit-Connect Insurance Rates
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UPDATED: Dec 14, 2021
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Want the cheapest insurance rates for your Ford Transit Connect? Trying to find the cheapest insurance for your Ford Transit Connect can normally be a painful process, but you can learn a few tricks to make it easier.
There are both good and bad ways to buy insurance and you need to know the proper way to price shop coverage for a new or used Ford and find the lowest price either online or from local insurance agents.
Consumers need to price shop coverage yearly since rates are usually higher with each renewal. Even if you think you had the best deal on Transit Connect insurance on your last policy you can probably find a better price now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.
Pay less by taking advantage of these eight discounts
Car insurance can cost a lot, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but some must be manually applied before being credited. If you don’t get every credit possible, you are paying more than you should be.
- Lower Rates for Military – Being deployed with a military unit could mean lower rates.
- Good Student – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- Senior Discount – If you’re over the age of 55, you can possibly qualify for better car insurance rates on Transit Connect insurance.
- Multiple Policy Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
- Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy could earn a price break for each car.
- Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
- One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
Keep in mind that most discount credits are not given the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will reduce your overall premium however.
For a list of insurance companies who offer car insurance discounts, follow this link.
Vehicle Insurance Comparison
Finding lower auto insurance rates can be surprisingly simple. The only requirement is to take a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.
Probably the best way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This form eliminates the need for separate quote forms for each company. One simple form gets you price quotes from auto insurance companies with the best prices. It’s the fastest way to compare.
A slightly less efficient method to compare prices requires a visit to the website for each individual company to complete their respective quote request forms. For sake of this example, let’s say you want rates from Nationwide, 21st Century and Allstate. To get each rate you have to visit each site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
It doesn’t matter which method you choose, just make darn sure you compare the exact same coverages with every price quote. If you are comparing different liability limits then you won’t be able to decipher which rate is best.
Your coverage should be tailored to you
When buying the right insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.
For example, these questions may help you determine whether you would benefit from an agent’s advice.
- Are my friends covered when driving my car?
- Can I drive in Mexico and have coverage?
- How does medical payments coverage work?
- I have a DUI can I still get coverage?
- Is my 2014 Ford Transit Connect covered for flood damage?
- Do I have coverage when pulling a U-Haul trailer?
- Why am I be forced to buy a membership to get insurance from some companies?
- Where can I find high-risk insurance?
- Who is covered by my policy?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.
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Parts of your car insurance policy
Having a good grasp of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.
Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like theft, a tree branch falling on your vehicle, vandalism and hail damage. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Transit Connect.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Liability coverage – This will cover damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits 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 a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles and medical services. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Collision coverage – This covers damage to your Transit Connect from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things like sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.
Medical expense insurance – Coverage for medical payments and/or PIP pay for bills such as prosthetic devices, nursing services, doctor visits, ambulance fees and dental work. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Make an honest buck
Low-cost 2014 Ford Transit Connect insurance can be found both online and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some car insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.
Consumers change insurance companies for a number of reasons such as delays in responding to claim requests, being labeled a high risk driver, lack of trust in their agent or even denial of a claim. Regardless of your reason for switching companies, finding a new company can be pretty painless.
As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed full coverage and learned later that it was a big mistake. Your strategy should be to buy the best coverage you can find at the best price.
More tips and info about car insurance is available in the articles below:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Child Safety Seats (Insurance Information Insitute)
- Teen Driver Licensing Information (iihs.org)
- Collision Coverage (Liberty Mutual)
- Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
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