Cheaper 2012 Ford Transit Connect Insurance Cost in 2024

Are you irritated from robbing Peter to pay Paul to make your auto insurance payment? You have the same problem as millions of other drivers. Numerous car insurance companies battle for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible.

It’s a good idea to compare prices before your policy renews because auto insurance prices fluctuate regularly. Just because you found the lowest price on Transit Connect coverage six months ago you can probably find a better rate quote now. You’ll find quite a bit of inaccurate information about auto insurance online but I’m going to show you some solid techniques on how to lower your auto insurance bill.

If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to find the best rates while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need to know the most efficient way to shop over the internet.

These discounts can lower your car insurance quotes

Companies that sell car insurance don’t list all possible discounts in an easy-to-find place, so we break down some of the best known and also the lesser-known credits available to lower your premiums when you buy insurance coverage online.

• Safe Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% on Transit Connect coverage as compared to drivers with claims.
• Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts as compared to bad drivers.
• Seat Belts Save – Drivers who require all occupants to use a seat belt could cut 10% or more off the medical payments premium.
• Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease on Transit Connect coverage depending on your car insurance provider.
• Auto/Home Discount – If you insure your home and vehicles and insure them with the same company you could get a discount of up to 20% and get you cheaper insurance coverage.
• Resident Student – who are attending college and do not take a car to college may qualify for this discount.
• Waiver for an Accident – Not really a discount, but companies like State Farm and GEICO permit an accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.
• ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
• Student Driver Training – Teen drivers should successfully take a drivers education course as it will make them better drivers and lower rates.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you could get a free car insurance policy, car insurance companies aren’t that generous.

Companies and the discounts they provide are detailed below.

• Farm Bureau may include discounts for driver training, safe driver, multi-vehicle, youthful driver, good student, multi-policy, and renewal discount.
• State Farm offers premium reductions for driver’s education, good driver, student away at school, accident-free, defensive driving training, multiple autos, and good student.
• Progressive policyholders can earn discounts including online signing, multi-vehicle, multi-policy, continuous coverage, and online quote discount.
• Allstate offers discounts including eSmart discount, utility vehicle, passive restraint, 55 and retired, premier discount, defensive driver, and new car.
• Nationwide includes discounts for accident-free, good student, defensive driving, business or organization, anti-theft, Farm Bureau membership, and multi-policy.
• MetLife has savings for claim-free, good driver, good student, defensive driver, multi-policy, and accident-free.

When quoting, ask all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your area. If you would like to view car insurance companies with discount car insurance rates, enter your zip code here.

Compare insurance quotes

Effectively comparing insurance prices can be a daunting task if you don’t know the best way to get rate quotes. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to quickly compare rates.

All the larger companies take part in a program that allows shoppers to only type in their quote data once, and each participating company then gives them pricing for coverage. This saves time by eliminating quotation requests to each individual insurance company.

To fill out one form to compare multiple rates now enter your zip code here.

The only drawback to doing it this way is you are unable to specify the insurers you want pricing from. So if you want to choose from a list of companies to compare rates, we have a page of low cost insurance companies in your area. Click to enter zip code.

The approach you take is up to you, just be sure you’re using equivalent coverages on every quote you get. If the quotes have different deductibles it will be nearly impossible to truly determine the lowest rate.

The Ford Transit Connect insurance price equation

It’s important that you understand the factors that help calculate your premiums. When consumers understand what influences your rates, this enables informed choices that will entitle you to big savings.

Listed below are some of the items used by your company to calculate prices.

• Inexpensive frequent insurance claims are not good – Companies award the lowest premiums to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is designed for claims that you cannot pay yourself.
• Mature drivers are lower risk – Drivers with little experience have been known to get distracted easily when driving so they pay higher car insurance rates. If you’ve ever had to add a teenage driver to your car insurance policy can break the bank. More experienced drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
• Gaps in coverage mean higher premiums – Letting your insurance expire will be a fast way to increase your car insurance rates. Not only will you pay higher rates, the inability to provide proof of insurance might get you a license revocation or jail time. You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
• Better premiums on safer vehicles – Safe vehicles are cheaper to insure. Vehicles built for safety reduce occupant injuries and fewer serious injuries means your insurance company pays less and thus lower rates.
• Do you really need the incidental coverages? – Insurance companies have many extra bells and whistles that sound like a good idea at the time when buying car insurance. Things like coverage for rental cars, high-cost glass coverage, and additional equipment coverage are examples of these. The coverages may be enticing initially, but if you’ve never needed them in the past remove them and pocket the money.
• Your address can push rates up or down – Being located in small towns and rural areas can be a good thing when talking about car insurance. Urban drivers tend to have more aggressive driving styles and longer commute times. Less people means less chance of accidents and also fewer theft and vandalism claims.

Different people need different car insurance coverages

When choosing the best car insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might point out if your insurance needs would benefit from professional advice.

• Can I rent a car in Mexico?
• Is my camper covered by my car insurance policy?
• Does my 2012 Ford Transit Connect qualify for pleasure use?
• Am I covered when driving someone else’s vehicle?
• Should I put collision coverage on all my vehicles?
• How do I insure my teen driver?
• Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, free and you can get the answers you need.

Coverage specifics

Learning about specific coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average auto insurance policy.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, vandalism, theft, a broken windshield and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This covers damage to your Transit Connect resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, hitting a mailbox and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for dental work, EMT expenses and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as repair bills for other people’s vehicles, funeral expenses, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

In Summary

Cost effective 2012 Ford Transit Connect insurance can be found both online and with local insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. Some car insurance companies don’t offer internet price quotes and most of the time these regional insurance providers provide coverage only through independent agents.

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage for the lowest cost, not the least amount of coverage.