2017 Ford Transit Connect Insurance Quotes in 2024

Comparison shopping for cheap auto insurance is frustrating for people who are beginners to quoting coverage prices online. People have so many choices that it can quickly become a chore to lower your prices.

It’s a good habit to check auto insurance prices quite often since prices are adjusted regularly by insurance companies. Even if you got the best price on Transit Connect insurance at your last renewal you will most likely find a better rate quote today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to find better coverage at a better price.

This article will let you in on the best way to quote coverages and some tricks to saving. If you have car insurance now, you will be able to reduce your rates substantially using these methods. Nevertheless, vehicle owners need to have an understanding of the way companies market on the web because it can help you find the best coverage.

Double check you’re getting with these discounts

Companies offering auto insurance do not advertise the complete list of policy discounts very well, so below is a list a few of the more common and also the lesser-known credits available to bring down your rates.

• Government Employee Discount – Having worked for a branch of the government can earn a discount up to 10% on Transit Connect insurance depending on your insurance provider.
• Driver Safety – Passing a safe driver class could cut 5% off your bill and also improve your driving technique.
• Accident Waiver – This one isn’t a discount, but some companies like GEICO, State Farm, and Progressive will allow you to have one accident without the usual rate increase if your claims history is clear for a set time period.
• Discounts for Responsible Drivers – Insureds without accidents can save up to 40% or more on their insurance quote on Transit Connect insurance than their less cautious counterparts.
• Service Members Pay Less – Being on active deployment in the military may lower your insurance rates slightly.
• Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of up to 25% or more.
• Driving Data Discount – Drivers who agree to allow data collection to scrutinize vehicle usage by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they have good driving habits.
• Paper-free Discount – Some insurance companies provide a small discount simply for signing on your computer.
• Life Insurance Discount – Larger insurance companies have a break if you buy life insurance from them.

Discounts lower rates, but many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky. But all discounts will reduce your premiums.

To locate providers with discount rates, enter your zip code here.

Your situation helps dictate your coverage

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

For example, these questions may help you determine whether or not you might need professional guidance.

• What is PIP insurance?
• Is my Ford Transit Connect covered if I use it for business?
• Am I covered if I crash into my own garage door?
• Do I need medical payments coverage since I have good health insurance?
• Do I need higher collision deductibles?
• How can I get my company to pay me more for my totalled car?
• What if I owe more than I can insure my car for?
• Do I have coverage when pulling a U-Haul trailer?
• Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Insurance coverage considerations

Having a good grasp of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, hitting a bird, theft and vandalism. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for pain medications, hospital visits, nursing services, doctor visits and ambulance fees. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Ford Transit Connect.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability auto insurance

This coverage will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as repair bills for other people’s vehicles, emergency aid and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Transit Connect from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

A tidy conclusion

Drivers change insurance companies for any number of reasons including high prices, high rates after DUI convictions, lack of trust in their agent or even delays in paying claims. Whatever your reason, switching companies is easier than you think.

In this article, we presented quite a bit of information on how to compare 2017 Ford Transit Connect insurance prices online. The key concept to understand is the more providers you compare, the higher your chance of finding low cost insurance. You may be surprised to find that the best price on insurance is with a lesser-known regional company.

When you buy insurance online, never reduce coverage to reduce premium. In too many instances, consumers will sacrifice physical damage coverage only to find out that the savings was not a smart move. The goal is to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.