2017 Ford Transit Wagon Car Insurance Quotes in 2024

Want better insurance coverage rates for your Ford Transit Wagon? Having to pay for expensive insurance coverage can deplete your personal savings and force you to cut corners elsewhere. Since consumers have many insurance providers from which to choose, it can be difficult for drivers to pick the cheapest insurer.

Smart consumers take time to compare prices every six months because insurance rates fluctuate regularly. Despite the fact that you may have had the best deal for Transit Wagon insurance six months ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn the right way to save money, get proper coverage and the best rates.

How to get insurance coverage quotes

Most larger insurance companies make it easy to get prices for coverage directly from their websites. Comparing rates online is pretty painless as you just enter the amount of coverage you want into the form. When the form is submitted, the quote system gets credit information and your driving record and returns a price quote based on these factors. Online price estimates makes it a lot easier to compare rates but the work required to visit multiple sites and fill out multiple forms is a waste of time. But it is imperative to perform this step if you want to get the lowest price.

Rate comparisons made easy

The smarter way to compare rates utilizes a single form that analyzes rates from a bunch of companies at once. This type of form saves time, helps eliminate repetitive entry, and makes price shopping online much easier. After sending your information, it gets priced with multiple companies and you can pick any or none of the quote results.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. This process takes 15 minutes at the most and may save quite a bit of money.

To save time and find out what other companies charge, simply enter your zip code here and submit the form. If you have your current policy handy, we recommend you duplicate coverages and limits just like they are on your policy. This ensures you are getting an apples-to-apples comparison for similar coverage.

Discounts for lower-cost car insurance rates

Insuring your fleet can be pricey, but there are discounts available that may help make it more affordable. Some of these discounts will be visible when you complete an application, but once in a while a discount must be specifically requested before you get the savings.

• Professional Memberships – Affiliation with certain professional organizations could qualify you for a break on your next car insurance statement.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
• More Vehicles More Savings – Insuring multiple vehicles on one policy can get a discount for every vehicle.
• Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving can save 10% or more off the PIP or medical payment premium.
• College Student Discount – Any of your kids who live away from home at college and do not take a car to college can be insured at a reduced rate.
• Safety Course Discount – Participating in a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
• Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you may save at least 10 to 15 percent or more.

Remember that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. Even though it appears you can get free auto insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely reduce the cost of your policy.

Larger car insurance companies and some of their more popular discounts are outlined below.

• State Farm offers discounts including good driver, driver’s education, defensive driving training, Steer Clear safe driver discount, safe vehicle, accident-free, and multiple policy.
• Farmers Insurance offers premium reductions for distant student, youthful driver, electronic funds transfer, alternative fuel, teen driver, good student, and multi-car.
• Progressive may have discounts that include continuous coverage, good student, multi-policy, multi-vehicle, and online signing.
• GEICO policyholders can earn discounts including seat belt use, five-year accident-free, multi-policy, anti-lock brakes, membership and employees, military active duty, and emergency military deployment.
• Auto-Owners Insurance may include discounts for paid in full, multiple vehicles, paperless, anti-lock brakes, teen driver, and company car.
• The Hartford has savings for vehicle fuel type, good student, anti-theft, defensive driver, and bundle.
• Farm Bureau offers discounts for renewal discount, driver training, multi-vehicle, safe driver, and multi-policy.
• USAA includes discounts for multi-vehicle, annual mileage, vehicle storage, defensive driver, and family discount.

Double check with all companies you are considering the best way to save money. Some of the earlier mentioned discounts might not apply in your area. To view insurers who offer online car insurance quotes, enter your zip code here.

Cut insurance costs with these tips

Lots of factors are part of the equation when you get a price on insurance. Some factors are common sense like an MVR report, but other factors are more transparent such as whether you are married or how safe your car is. When buying insurance coverage it’s important to understand the rating factors that go into determining your policy premiums. If you know what determines premiums, this helps enable you to make changes that can earn you cheaper rates.

The items below are some of the most rate-impacting factors utilized by car insurance companies to help set prices.

• Additional coverages that may be costing you – There are a lot of optional add-on coverages that may not really be needed if you aren’t careful. Things like rental car reimbursement, accident forgiveness, and motor club memberships may be costing you every month. These coverages may sound good when deciding what coverages you need, but your needs may have changed so remove them and pocket the money.
• Pay less after the wedding – Having a spouse can actually save you money on your insurance coverage policy. Having a spouse demonstrates that you tend to be more mature than a single person and it’s proven that married couples file fewer claims.
• High stress employer may mean higher rates – Occupational choices like fire fighters, business owners and dentists tend to have higher rates than the rest of us because of high stress levels and long work hours. On the other hand, occupations such as farmers, historians and homemakers have lower than average premiums for Transit Wagon insurance.
• What are your physical damage deductibles? – Coverage for physical damage, aka comp and collision, is used to repair damage to your Ford. Some coverage claims are running into the backend of another car, hail damage, and burglary. The deductibles you choose define the amount you are willing to pay if a covered claim is submitted. The more you’re willing to pay, the bigger discount you will receive for Transit Wagon insurance.
• More traffic means higher claims – Being located in less populated areas of the country has it’s advantages when it comes to insurance coverage. Fewer drivers and short commutes corresponds to lower accident rates as well as less vandalism and auto theft. People in densly populated areas tend to have more road rage incidents and higher rates of accident claims. Spending more time driving translates into higher accident risk.
• Use credit responsibly and save – A driver’s credit rating can be an important factor in determining premium rates. Therefore, if your credit is not that good, you could be paying less to insure your 2017 Ford Transit Wagon by taking the time to improve your credit score. Drivers with very high credit ratings tend to be better drivers and file fewer claims than those with poor credit scores.
• Never let your coverage expire – Allowing your insurance coverage policy to lapse can be a sure-fire way to increase your renewal premiums. Not only will you pay higher rates, failure to provide proof of insurance might get you fines or a revoked license. You may then have to prove you have insurance by filing a SR-22 with your state DMV.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

• Does my personal policy cover me when driving out-of-state?
• Is there coverage for injuries to my pets?
• What can I do if my company won’t pay a claim?
• At what point should I drop full coverage?
• When should I buy a commercial auto policy?
• What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and enter your zip code. It only takes a few minutes and can provide invaluable advice.

Big names are not always cheapest

Consumers can’t escape the ads that promise big savings for switching from the likes of State Farm and Allstate. All the companies try to convey promises of big savings just by moving to their company.

How does each company save you money?

Companies have specific characteristics for the type of insured that will most likely be profitable. A good example of this type of insured might have to be a married male, has had continuous coverage, and has great credit. Anybody who meets those qualifications will get very good rates and as a result will probably save quite a bit of money when switching.

Drivers who do not meet this ideal profile must pay more expensive rates and ends up with the driver buying from a lower-cost company. The wording the ads use say “people that switch” not “everyone that quotes” can save as much as they claim. That’s why insurance companies can confidently lure you into getting a quote.

Because of the profiling, you need to get a wide range of price quotes. It is impossible to guess which company will have the best prices for your profile.

Coverages available on your policy

Learning about specific coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by car insurance companies.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, backing into a parked car, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses like surgery, doctor visits, nursing services, pain medications and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages – This coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per 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 rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, medical services, structural damage, court costs and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Transit Wagon.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, vandalism, hitting a deer and hail damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In the end, you save

When shopping online for auto insurance, don’t be tempted to reduce coverage to reduce premium. There are too many instances where someone dropped full coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

We just covered a lot of information how to save on 2017 Ford Transit Wagon insurance. It’s most important to understand that the more times you quote, the better likelihood of getting affordable car insurance. You may be surprised to find that the lowest prices come from some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

Budget-conscious 2017 Ford Transit Wagon insurance is definitely available both online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies don’t offer online rate quotes and these smaller providers only sell through local independent agents.