View 2016 Ford Transit Connect Car Insurance Quotes in 2024

Searching for the cheapest insurance coverage rates? Consumers have many options when looking for the best price on Ford Transit Connect insurance. You can either waste hours struggling with agents to compare prices or utilize the internet to make rate comparisons.

There are both good and bad ways to buy insurance coverage so you’re going to learn the best way to price shop coverage for a new or used Ford and obtain the cheapest rates either online or from local insurance agents.

You should make it a habit to shop coverage around periodically because insurance coverage prices go up and down regularly. Just because you had the best rate on Transit Connect coverage last year there is a good chance you can find better premium rates now. Forget all the misinformation about insurance coverage because we’re going to demonstrate the easiest way to buy cheaper insurance coverage.

The best way we recommend to compare rates is to know the fact auto insurance companies pay for the opportunity to provide you with free rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information such as what your job is, driver details, how many miles driven, and marital status. The data is submitted instantly to multiple different insurance companies and you get price estimates with very little delay.

Save $381 a year! What?

Consumers can’t escape the ads for cheaper auto insurance from companies such as Allstate and Progressive. All the companies try to convey promises that you’ll save big if you just switch your policy.

How do they all make almost identical claims? It’s all in the wording.

Different companies give the cheapest rates for the type of customer they prefer to insure. For example, a desirable insured should be a married female, carries high limits, and drives a car with an anti-theft system. Someone who fits those characteristics is entitled to the best price and will most likely save when they switch companies.

Consumers who fall outside these standards may be forced to pay a higher premium which translates to business going elsewhere. The trick is to say “customers that switch” not “everyone who quotes” save that much money. That’s the way companies can make claims like that.

Because of this risk profiling, drivers must compare free car insurance quotes often. It’s just too difficult to predict which company will fit your personal profile best.

These discounts can reduce insurance rates

Insurance is expensive, but you might find some hidden discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but some discounts are required to be specifically requested before they will apply. If you do not double check each discount available, you may be paying too high a price.

• Driver Training Discounts – Participating in a course that instructs on driving safety can save you 5% or more if you qualify.
• Own a Home and Save – Simply owning a home can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
• Discounts for Government Workers – Federal government employees can save as much as 8% on Transit Connect coverage with certain companies.
• New Car Discount – Buying insurance coverage on a new vehicle can get you a discount compared to insuring an older model.
• Auto/Home Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you may earn over 10 percent off each policy depending on the company.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but a few companies such as GEICO, Allstate and Liberty Mutual permit an accident without raising rates if you are claim-free for a particular time prior to the accident.
• Life Insurance Discount – Larger insurance companies have better insurance rates if you take out auto and life insurance together.

You should keep in mind that most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, insurance companies aren’t that generous.

Companies and their possible discounts are shown below.

• State Farm has savings for good student, safe vehicle, good driver, multiple autos, anti-theft, multiple policy, and Steer Clear safe driver discount.
• American Family discounts include multi-vehicle, accident-free, bundled insurance, good student, air bags, early bird, and good driver.
• GEICO offers discounts including driver training, membership and employees, anti-lock brakes, military active duty, and defensive driver.
• 21st Century may have discounts that include early bird, defensive driver, good student, teen driver, homeowners, and 55 and older.
• Progressive includes discounts for homeowner, continuous coverage, online signing, online quote discount, and multi-vehicle.

If you are trying to find cheap car insurance quotes, ask each insurance company which discounts you may be entitled to. Some discounts listed above might not be offered in your area. For a list of insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

When do I need an agent’s advice?

When it comes to buying the best car insurance coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions might help in determining whether you could use an agent’s help.

• What if I don’t agree with a claim settlement offer?
• Should I buy more coverage than the required minimum liability coverage?
• Do I have coverage for damage caused while driving under the influence?
• What are the best liability limits?
• Do I pay less for low miles?
• When do I need to add a new car to my policy?
• Am I covered when driving in Canada or Mexico?
• Should I buy additional glass protection?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code. It is quick, free and may give you better protection.

Insurance coverages and their meanings

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Transit Connect.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability – This coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, hitting a bird, damage from a tornado or hurricane and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like doctor visits, nursing services and dental work. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – This coverage covers damage to your Transit Connect from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sideswiping another vehicle, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Don’t be a big spender

Cost effective 2016 Ford Transit Connect insurance can be sourced online and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide price quotes online and most of the time these smaller companies work with independent agents.

Throughout this article, we presented many ideas to compare 2016 Ford Transit Connect insurance car insurance rates online. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. Drivers may discover the lowest priced auto insurance comes from a small mutual company.

When shopping online for auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut liability coverage limits only to discover later that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at the best cost while still protecting your assets.