View 2019 Ford Transit Connect Insurance Quotes 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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Getting cheap auto insurance is problematic for consumers new to comparing prices on the web. With so many options of insurers to choose from, how can anyone efficiently compare every auto insurance company to find the cheapest price possible?

It’s smart to price shop coverage periodically since insurance rates are usually higher with each renewal. Just because you found the lowest rate on Transit Connect coverage six months ago other companies may now be cheaper. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the quickest way to buy cheaper auto insurance.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. Locating the cheapest insurance coverage is easy if you know what you’re doing. Nevertheless, car owners need to learn the methods companies use to market insurance on the web and apply this information to your search.

Do you qualify for discounts?

Buying car insurance is not cheap, but there may be some discounts that could help you make your next renewal payment. Some discounts will apply when you get a quote, but some must be asked for before being credited.

  • Payment Discounts – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of 20 to 30 percent.
  • Accident Free – Insureds with no claims or accidents can save substantially when compared to frequent claim filers.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
  • Discount for Life Insurance – Select insurance companies reward you with a discounted price on car insurance if you buy some life insurance too.
  • Discount for Switching Early – Some companies give discounts for buying a new policy prior to the expiration date on your current policy. It can save you around 10%.
  • Discounts for Federal Employees – Active or former government employment may reduce rates when you quote auto insurance on Transit Connect coverage with some car insurance companies.
  • Homeowners Savings – Just owning your own home can get you a discount because it is proof of financial responsibility.
  • Club Memberships – Belonging to certain professional organizations is a good way to get lower rates when getting a auto insurance quote.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like State Farm and GEICO will let one accident slide before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.

Don’t be shocked that most discount credits are not given to the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, you won’t be that lucky.

Car insurance companies that may offer policyholders some of the above discounts include:

  • State Farm
  • Nationwide
  • AAA
  • 21st Century
  • The Hartford

Check with every prospective company which discounts they offer. Some of the discounts discussed earlier might not be offered in your area. To find companies that offer the discounts shown above, enter your zip code here.

Ford Transit Connect insurance cost factors

Many different elements are part of the equation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but other criteria are less apparent like your vehicle usage or your financial responsibility.

The itemized list below are a few of the “ingredients” used by companies to determine your rates.

  • Pay less with a high crash test rating – Vehicles with high crash test scores cost less to insure. Highly rated vehicles have better occupant injury protection and lower rates of occupant injuries translates directly to fewer claims and more competitive rates for policyholders. If your Ford Transit Connect has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Do thieves like your car? – Choosing to buy a car with a theft deterrent system can save you a little every year. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all aid in stopping your car from being stolen.
  • Rates increase with driving citations – Just one driving citation may increase your cost by as much as twenty percent. Drivers with clean records pay less for auto insurance compared to bad drivers. Drivers who have multiple citations such as DUI, reckless driving or excessive speeding are required to file a SR-22 with their state’s licensing department in order to legally drive a vehicle.
  • Keep policy claims to a minimum – Car insurance companies give most affordable rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
  • The more you drive the more you pay – The more miles you rack up on your Ford annually the higher your rate. Most companies charge rates partially by how you use the vehicle. Cars that sit idle most of the time receive lower rates than those used for commuting. Make sure your vehicle rating properly reflects how each vehicle is driven. Incorrect rating for your Transit Connect may be wasting your money.
  • Amount of liability insurance – Liability coverage is the coverage that protects you if a jury decides you are liable for an accident. This coverage provides legal defense coverage starting from day one. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Don’t assume everyone needs the same insurance coverage

When buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique.

These are some specific questions may help highlight whether you would benefit from professional advice.

  • How high should deductibles be on a 2019 Ford Transit Connect?
  • Do I need more liability coverage?
  • How do I buy GAP insurance?
  • When would I need additional glass coverage?
  • Can I get a multi-policy discount?
  • Am I covered when driving a rental car?
  • Is my teen driver covered when they drive my company car?
  • What happens if I owe more than my 2019 Ford Transit Connect is worth?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete your zip code.

Will you really save $381 on insurance?

Respected companies like State Farm, Allstate and GEICO seem to constantly run ads on television and other media. All the ads make the point of big savings if you change to them. How does every insurance company save you money? Here is how they do it.

Companies give the best rates for the driver that earns them the highest profit. An example of a desirable risk could be a female over age 40, has no driving citations, and chooses high deductibles. Someone who fits those characteristics receives the best car insurance rates and will most likely save when they switch companies.

Drivers who fall short of those criteria will be charged a higher premium and the prospect going elsewhere. The ad wording is “people that switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can make claims like that. This really drives home the point why you really need to get as many free auto insurance quotes as possible. Because without a comparison, you cannot know which insurance companies will give you lower prices than your current company.

The coverage is in the details

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like pain medications, rehabilitation expenses and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2019 Ford Transit Connect.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages – Collision insurance covers damage to your Transit Connect resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, sideswiping another vehicle, rolling your car, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage – This coverage 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 like vandalism, damage from a tornado or hurricane and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, legal defense fees and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

In Summary

As you prepare to switch companies, never reduce needed coverages to save money. In many cases, an insured cut full coverage only to regret that they should have had better coverage. Your goal is to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

Cheap 2019 Ford Transit Connect insurance can be bought from both online companies and with local insurance agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance providers don’t offer internet price quotes and many times these regional insurance providers sell through local independent agencies.

We just presented a lot of tips how to get a better price on 2019 Ford Transit Connect insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest priced insurance coverage comes from a smaller regional carrier.

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