Cheapest 2013 Ford Transit Connect Insurance Rates in 2023
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UPDATED: Aug 24, 2022
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Want cheaper car insurance rates for your Ford Transit Connect? Trying to find cheaper insurance for your Ford Transit Connect can be a painful process, but you can use a few tricks to make it easier.
There is a better way to find car insurance online and you need to know the proper way to quote coverages for a new or used Ford and find the cheapest rates from local insurance agents and online providers.
It’s important to get comparison quotes on a regular basis since rates are constantly changing. Just because you found the best price for Transit Connect coverage a year ago you can probably find a better price now. Starting right now, ignore everything you know about car insurance because you’re about to learn the best way to find better rates and still maintain coverage.
More discounts equal less premium
Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but some must be manually applied before they will apply. If you don’t get every credit possible, you are paying more than you should be.
- Payment Method – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
- Accident Free – Drivers who don’t have accidents pay less when compared with bad drivers.
- Clubs and Organizations – Participating in a qualifying organization is a good way to get lower rates on your policy for Transit Connect coverage.
- Good Student – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
- Homeowners Discount – Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
Drivers should understand that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you’re out of luck. But any discount will cut your premiums.
Insurance companies who might offer some of the above discounts may include but are not limited to:
Before buying, ask all companies you are considering what discounts are available to you. Some discounts may not apply in every state.
How to Get Car Insurance
Shopping for lower car insurance rates can take hours if you don’t understand the fastest way to get free quotes. You can waste a lot of time driving to agents in your area, or you could save time and use online quoting to get rates in a matter of minutes.
Many insurance companies take part in a program that enables customers to submit their information once, and at least one company then returns a price quote based on that data. This eliminates the need for quote forms for each company you want a rate for. To participate in this free quote system, click here to open in new window.
The single downside to comparing rates this way is buyers cannot specifically choose which providers you will receive quotes from. If you prefer to choose from a list of companies to compare prices, we have assembled a list of low cost car insurance companies in your area. Click to view list.
It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples deductibles and coverage limits with every price quote. If you are comparing differing limits you will not be able to make a fair comparison for your Ford Transit Connect.
It’s not one size fits all
When buying adequate coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.
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These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.
- What vehicles should carry emergency assistance coverage?
- Am I covered if I drive in a foreign country?
- Why do I only qualify for high-risk insurance?
- Is my state a no-fault state?
- Do I need PIP (personal injury protection) coverage in my state?
- Is motorclub coverage worth it?
- Does coverage extend to my business vehicle?
- How much liability coverage do I need in my state?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.
Specific coverage details
Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like vandalism, hail damage, rock chips in glass and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability coverages – This coverage can cover injuries or damage you cause to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for claims such as repair costs for stationary objects, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.
Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Ford Transit Connect.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Insurance for medical payments – Med pay and PIP coverage pay for expenses like prosthetic devices, chiropractic care, rehabilitation expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Collision coverages – Collision insurance pays for damage to your Transit Connect resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision can pay for claims like damaging your car on a curb, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.
A fool and his money are soon parted
Lower-priced 2013 Ford Transit Connect insurance is available online as well as from independent agents, so compare prices from both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. In many instances, someone dropped physical damage coverage and learned later that it was a big error on their part. Your goal should be to buy the best coverage you can find for the lowest price.
In this article, we covered a lot of tips how to compare insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on insurance coverage is with a lesser-known regional company.
Additional information can be found below:
- Side Impact Crash Tests (iihs.org)
- Should I Buy a New or Used Car? (Allstate)
- Young Drivers: The High Risk Years Video (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- Auto Insurance Basics (Insurance Information Insitute)
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