2020 Ford Transit Connect Car Insurance Quotes in 2024 – 8 Tricks for Best Rates

Looking for cheaper insurance coverage rates for your Ford Transit Connect? No car owner rejoices having to buy insurance coverage, especially when they could get a better deal. Insurance companies such as Allstate, Progressive and GEICO continually hit you with TV and radio ads and it is challenging if not impossible to see through the deception and find the best price available.

It’s important to price shop coverage before your next renewal because insurance prices fluctuate regularly. Just because you found the lowest price for Transit Connect insurance a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate one of the quickest ways to find the best coverage while lowering your premiums.

Lower rates by qualifying for these eight discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that you may not even know about. Many discounts should be triggered at quote time, but some may not be applied and must be manually applied prior to receiving the credit.

• Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last until age 25.
• Passive Restraints – Vehicles equipped with air bags may earn rate discounts of 20% or more.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off PIP or medical payments premium.
• Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for Transit Connect insurance with a few insurance companies.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance too.
• Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts in comparison to insureds who have frequent claims or accidents.
• Telematics Data – Drivers who elect to allow companies to monitor where and when they drive through the use of a telematics system such as Progressive’s Snapshot might get better premium rates if their driving habits are good.
• Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get substantially lower prices.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride.

If you would like to view insurance companies that offer multiple discounts, enter your zip code here.

Buy insurance online

Shopping for lower insurance rates is a ton of work if you don’t understand the easiest way. You can waste a few hours (or days) driving to agents in your area, or you could use online quotes to get prices fast.

Most car insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and every company can provide price quotes determined by their information. This prevents consumers from doing quote requests for each company you want a rate for.

To submit your quote information now, enter your zip code here.

The only drawback to comparing rates this way is buyers cannot specifically choose which insurance companies to receive prices from. So if you want to select specific providers for rate comparison, we have assembled a list of companies who write insurance in your area. Click to enter zip code.

It’s up to you which method you use, but double check that you are using equivalent information with each company. If you use unequal deductibles or liability limits you can’t possibly make a fair rate comparison.

Insurance coverage is unique, just like you

When choosing coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs might need professional guidance.

• Who is covered by my policy?
• Should I drop comprehensive coverage on older vehicles?
• If I drive on a suspended license am I covered?
• Am I covered if I hit my neighbor’s mailbox?
• When would I need rental car insurance?
• Are my friends covered when driving my 2020 Ford Transit Connect?
• Does having multiple vehicles earn me a discount?
• Does liability extend to a camper or trailer?
• Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete your zip code. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, colliding with a tree, rolling your car, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage can cover damages or injuries you inflict on a person or their property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like court costs, emergency aid, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 2020 Ford Transit Connect.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills like ambulance fees, dental work and surgery. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

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 the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, damage from flooding, damage from getting keyed, hail damage and damage from a tornado or hurricane. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

A penny saved is a penny earned

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There are too many instances where an insured dropped liability coverage limits to discover at claim time they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

We’ve covered some good ideas how you can get a better price on 2020 Ford Transit Connect insurance. The most important thing to understand is the more you quote insurance coverage, the better chance you’ll have of finding affordable insurance coverage. You may even discover the lowest priced insurance comes from a smaller regional carrier. Some small companies can often provide lower car insurance rates in certain areas than their larger competitors like GEICO and State Farm.