2011 Ford Transit Connect Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 29, 2024

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Trying to find better insurance coverage rates for your Ford Transit Connect? Having to pay for high-priced insurance coverage can eat up your monthly budget, especially in this economy. Performing a rate comparison is free and is an excellent way to make ends meet.

Lots of insurers contend for your hard-earned dollar, so it can be very hard to choose a insurance company and get the best coverage at the best rate

If you have a current insurance coverage policy or are shopping for new coverage, you can use these techniques to find the best rates while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners just need to learn the most efficient way to shop their coverage around online.

Discounts for cheap auto insurance rates

Insurance can cost an arm and a leg, but you might find some hidden discounts that can help lower your rates. Some discounts apply automatically when you get a quote, but some must be specifically requested before being credited.

  • Accident Forgiveness – This isn’t a discount exactly, but some insurance companies may permit one accident before your rates go up if you are claim-free for a certain period of time.
  • Home Ownership Discount – Simply owning a home may earn you a small savings because owning a home is proof that your finances are in order.
  • College Student Discount – Older children who are attending college and won’t have access to an insured vehicle could qualify for this discount.
  • Auto/Life Discount – Select companies reward you with a discount if you purchase a life policy as well.
  • Onboard Data Collection – Insureds that choose to allow companies to study when and where they use their vehicle by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as they are good drivers.

A quick disclaimer, many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Large auto insurance companies and a summarized list of policyholder discounts are:

  • Esurance offers discounts including paid-in-full, multi-policy, anti-theft, multi-car, and Pac-12 alumni.
  • The Hartford may have discounts that include anti-theft, air bag, vehicle fuel type, bundle, driver training, good student, and defensive driver.
  • AAA includes discounts for AAA membership discount, pay-in-full, good student, multi-policy, anti-theft, and good driver.
  • GEICO policyholders can earn discounts including military active duty, federal employee, multi-vehicle, emergency military deployment, and air bags.
  • State Farm may include discounts for good driver, student away at school, multiple policy, Drive Safe & Save, safe vehicle, passive restraint, and anti-theft.

When getting a coverage quote, ask every prospective company how many discounts you can get. Some credits may not apply to policies everywhere. To find companies who offer free auto insurance quotes, enter your zip code here.

Cheapest insurance quotes

Comparing insurance rates can take hours if you don’t utilize the most efficient way to do it. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could save time and use online quotes to get pricing more quickly.

Most major companies belong to a marketplace that allows shoppers to send in one quote, and every company then gives them pricing based on that information. This saves time by eliminating quote forms to every company.

To enter your information into the quoting system, enter your zip code here.

One minor caveat to using this type of system is that you can’t choose the providers to receive prices from. If you prefer to choose individual companies for rate comparison, we have a page of low cost insurance companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but be certain you are entering exactly the same information with every price quote. If each company quotes different liability limits it’s impossible to make a fair comparison for your Ford Transit Connect.

Good decisions result in lower insurance prices

Many factors are taken into consideration when you get your auto insurance bill. Some factors are common sense such as your driving history, although others are more obscure such as your credit history and annual miles driven. An important part of buying insurance is that you know some of the things that help calculate your policy premiums. If you understand what determines premiums, this allows you to make educated decisions that can help you get lower rates.

  • Married drivers get cheaper rates – Having a spouse may save some money compared to being single. Marriage usually means you are more stable financially it has been statistically shown that being married results in fewer claims.
  • Raise your physical damage deductibles for better rates – The deductibles you choose state the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. Insurance for physical damage, aka comp and collision, covers damage that occurs to your car. Some examples of claims that would be covered could be rear-ending another vehicle, hail damage, or theft of your vehicle. The larger the amount you have to pay, the bigger discount you will receive on Transit Connect coverage.
  • Teenage drivers cost more – Teenage drivers have a tendency to be careless and easily distracted behind the wheel so they pay higher insurance coverage rates. Having to add a teenage driver to your policy can increase premiums substantially. More mature drivers tend to be more responsible, file fewer claims , and are generally more financially stable.
  • Don’t buy add-on coverages that may not be needed – There are a ton of extra bells and whistles that can waste your money if you don’t pay attention. Things like rental car reimbursement, towing, and additional equipment coverage are some examples. They may sound like good ideas when you first buy your policy, but now you might not need them so remove them from your policy.
  • Vocation stress can affect premiums – Jobs such as fire fighters, air traffic controllers and accountants tend to have higher rates than average attributed to intense work situations and lots of time spent away from family. Other careers like professors, engineers and the unemployed receive lower rates on Transit Connect coverage.
  • Accidents hurt – How you drive impacts premiums far more than you think. Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Having a single chargeable violation may cause rates to rise forty percent or more. People who have dangerous violations such as DUI, reckless driving or excessive speeding may find that they have to to maintain a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
  • More traffic equals higher costs – Residing in smaller towns and rural areas of the country has definite advantages when shopping for auto insurance. City drivers have more aggressive driving styles and more time behind the wheel. Fewer drivers and short commutes means fewer accidents.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.

  • Does car insurance cover theft of personal property?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can my babysitter drive my car?
  • Is my state a no-fault state?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I better off with higher deductibles on my 2011 Ford Transit Connect?
  • Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Well known brands might not be cheapest

Drivers can’t ignore all the ads that claim the lowest auto insurance rates from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to try to convey promises about how much you will save after switching to their company.

Is it even possible that every company can make the same claim? It’s all in how they say it.

All companies have strict underwriting profiles for the type of driver that will generate a profit. An example of a desirable risk might be described as over the age of 35, is a homeowner, and insures a new vehicle. Any person that meets those criteria will most likely get cheap prices and will also save some money.

Consumers who cannot meet the requirements will have to pay a higher premium and ends up with the prospect going elsewhere. If you listen closely, the ads state “customers who switch” not “all people who quote” save that much when switching. That’s why companies can advertise the savings. This really drives home the point why you really need to quote coverage with many companies. It’s impossible to know the company that will fit your personal profile best.

What car insurance coverages do you need?

Knowing the specifics of car insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average car insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as surgery, X-ray expenses, nursing services and hospital visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like pain and suffering, emergency aid, bail bonds, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, hitting a deer and damage from getting keyed. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage covers damage to your Transit Connect caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, crashing into a building and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Buy Smart and Save

We covered quite a bit of information on how to lower your 2011 Ford Transit Connect insurance rates. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost insurance coverage. Consumers may even find the most savings is with a lesser-known regional company. These smaller insurers may have significantly lower auto insurance rates on certain market segments compared to the large companies like Progressive or GEICO.

As you quote insurance coverage, make sure you don’t reduce needed coverages to save money. There have been many cases where someone dropped full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

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