How Much Does 2015 Ford Transit Connect Insurance Cost 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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Have you finally had enough of not being able to scrape enough together to pay insurance each month? You are in the same boat as millions of other consumers. Online insurance companies like State Farm and GEICO all claim big savings with advertising and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.

It’s important to compare rates on a regular basis because rates go up and down regularly. Even if you got the best deal for Transit Connect coverage a few years ago a different company probably has better prices today. Ignore everything you know about insurance because you’re going to learn the best way to properly buy coverages and cut your premium.

Reduce insurance rates with these tips

Many things are taken into consideration when you get a price on insurance. Some are pretty understandable like an MVR report, but some are less apparent such as your marital status or your commute time. It’s important that you understand some of the elements that help calculate your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in big savings.

  • High claims frequency drives up car insurance rates – If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Insurance companies give most affordable rates to drivers who are not frequent claim filers. Auto insurance is intended for major claims that would cause financial hardship.
  • Drivers with good credit save on car insurance – A driver’s credit history can be a huge factor in determining premium rates. Insureds that have high credit ratings tend to be more responsible than those with bad credit. Therefore, if your credit history leaves room for improvement, you may save money insuring your 2015 Ford Transit Connect by improving your credit score.
  • Single drivers take more risk – Getting married may cut your premiums on your car insurance policy. Having a significant other may mean you are more mature and it’s proven that married couples file fewer claims.
  • Discounts for multiple policies – Most insurance companies apply a discount to buyers who buy several policies from them. It’s known as a multi-policy discount. The discount can be ten percent or more. Even if you already get this discount, it’s still a good idea to check prices from other companies to guarantee you are still saving the most. You may still find better rates by splitting coverages up.
  • Big city or small town – Having an address in a small town has definite advantages when talking about car insurance. People who live in big cities tend to have congested traffic and more severe claims. Fewer drivers on the road means fewer accidents in addition to fewer liability claims.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles reduce occupant injuries and fewer injuries means lower claim amounts and thus lower rates.

Lower-cost insurance coverage quotes with discounts

Some companies don’t always list all their discounts in an easy-to-find place, so the below list has some of the more common and also the lesser-known discounts that you can inquire about if you buy auto insurance online. If you don’t get every credit possible, you could be paying more than you need to.

  • Drive Safe and Save – Insureds who avoid accidents may save up to 50% more for Transit Connect coverage than drivers with accidents.
  • Good Students Pay Less – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Anti-lock Brakes – Vehicles with ABS and/or traction control prevent accidents and therefore earn up to a 10% discount.
  • Accident Waiver – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide before your rates go up with the catch being you have to be claim-free for a certain period of time.
  • Auto/Home Discount – If you have multiple policies with the same company you may save up to 20% and get you cheaper auto insurance.
  • Driving Data Discount – Drivers who elect to allow companies to monitor vehicle usage through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they have good driving habits.
  • Defensive Driving Course – Taking a class that teaches defensive driver techniques can save you 5% or more if your company offers it.
  • Club Memberships – Being in certain professional organizations could qualify you for a break on your bill.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works.

A list of insurance coverage companies and some of their more popular discounts can be found below.

  • Mercury Insurance offers discounts including low natural disaster claims, accident-free, annual mileage, multi-policy, and location of vehicle.
  • Farmers Insurance offers discounts for homeowner, good student, alternative fuel, youthful driver, pay in full, and distant student.
  • Farm Bureau may offer discounts for multi-vehicle, renewal discount, youthful driver, safe driver, good student, 55 and retired, and driver training.
  • State Farm offers premium reductions for good student, safe vehicle, multiple autos, defensive driving training, student away at school, accident-free, and Steer Clear safe driver discount.
  • Allstate policyholders can earn discounts including new car, FullPay discount, premier discount, premier plus, and early signing.
  • GEICO may have discounts that include defensive driver, good student, membership and employees, federal employee, air bags, and daytime running lights.

Before you buy a policy, ask every insurance company how many discounts you can get. A few discounts may not apply to policies in your area.

Do drivers who switch really save $385 a year?

Consumers get pounded daily by advertisements that claim the cheapest premium rates from the likes of 21st Century, Allstate and State Farm. All the companies make the same claim about saving some big amount just by moving your policy.

That’s great but how can every company cost less than your current company? This is how they do it.

All the different companies are able to cherry pick for the type of driver that earns them a profit. An example of a desirable risk might be over the age of 35, has few claims, and the vehicle is rated for pleasure use. A prospective insured that meets those criteria will get a cheap rate quote and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who do not fit these criteria will probably have to pay more expensive rates which usually ends up with business going elsewhere. The wording the ads use say “people that switch” not “everyone who quotes” save that much. That’s the way insurance companies can confidently claim big savings. Different companies use different criteria so you absolutely need to do a rate comparison at every renewal. Because you cannot predict the company that will give you the biggest savings.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining if you would benefit from an agent’s advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Who is covered by my policy?
  • Can I drive in Mexico and have coverage?
  • Is my teenager covered with friends in the car?
  • Do I need added coverage for expensive stereo equipment?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out your zip code. It’s fast, free and may give you better protection.

Information about specific coverages

Knowing the specifics of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverage types offered by auto insurance companies.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, colliding with another moving vehicle, rolling your car, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses for things like prosthetic devices, surgery, ambulance fees and hospital visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Transit Connect.

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.

Auto liability – This coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, loss of income and court costs. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Saving money is sweet as honey

Lower-priced 2015 Ford Transit Connect insurance is definitely available both online as well as from insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not offer the ability to get quotes online and usually these smaller companies only sell through independent insurance agencies.

When you buy auto insurance online, don’t be tempted to reduce coverage to reduce premium. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. The aim is to get the best coverage possible for the lowest cost while still protecting your assets.

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