Compare 2021 Ford Transit Van Insurance Rates in 2024

Shoppers have many options when shopping for low-cost Ford Transit Van insurance. They can either waste time contacting agents trying to get quotes or utilize the internet to compare rates.

There are both good and bad ways to find car insurance online and we’ll show you the quickest way to compare rates on a Ford and obtain the best price possible either online or from local insurance agents.

Affordable insurance coverage quotes with discounts

Car insurance companies don’t necessarily list every discount available very clearly, so we took the time to find some of the best known and also the lesser-known discounts that may be available.

• 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for a small discount on rates for Transit van insurance.
• Discounts for New Vehicles – Buying a new car model is cheaper since new model year vehicles are generally safer.
• Safety Course Discount – Passing a course in driver safety is a good idea and can lower rates and easily recoup the cost of the course.
• Paperless Signup – Certain larger companies will provide an incentive shop auto insurance online.
• Homeowners Savings – Owning your own home or condo can earn you a little savings because owning a home is proof of financial responsibility.
• Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
• Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts as much as 30%.

It’s important to understand that some credits don’t apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, that’s just not realistic.

Popular insurance coverage companies and the discounts they provide are:

• State Farm offers premium reductions for multiple policy, good driver, defensive driving training, passive restraint, Steer Clear safe driver discount, anti-theft, and Drive Safe & Save.
• Esurance has savings for multi-policy, claim free, Pac-12 alumni, online quote, online shopper, Switch & Save, and renters.
• Progressive offers discounts including continuous coverage, good student, homeowner, multi-policy, and online quote discount.
• Liberty Mutual may offer discounts for multi-car, teen driver discount, multi-policy, newly retired, and newly married.
• Auto-Owners Insurance includes discounts for safe driver, multi-policy, good student, teen driver, multiple vehicles, paperless, and air bags.
• GEICO may include discounts for daytime running lights, multi-policy, membership and employees, multi-vehicle, federal employee, anti-theft, and emergency military deployment.

Double check with all the companies to apply every possible discount. Some discounts listed above may not be available in your area. To choose insurance companies offering insurance coverage discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When buying coverage, there really is not a perfect coverage plan. Every situation is different.

Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

• How much underlying liability do I need for an umbrella policy?
• Does my insurance cover a custom paint job?
• How much liability do I need to cover my assets?
• Are my friends covered when driving my 2021 Ford Transit Van?
• Am I covered if I drive in a foreign country?
• Will filing a claim cost me more?
• What is roadside assistance coverage?
• Am I better off with higher deductibles on my 2021 Ford Transit Van?
• Am I covered if I hit my neighbor’s mailbox?
• Does liability extend to a camper or trailer?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out your zip code. It is quick, free and you can get the answers you need.

Switch companies and save? Really?

Consumers can’t avoid all the ads for car insurance savings from the likes of State Farm and Allstate. They all convey the message that you can save just by moving your coverage to them.

How does each company charge you a lower premium? It’s all in the words they use.

Companies can use profiling for the type of customer that will not have excessive claims. A good example of a profitable risk profile may be over age 30, has a low-risk occupation, and insures a new vehicle. Any new insured that fits those parameters will get the preferred premium rates and will most likely save when switching.

Consumers who don’t qualify for these stringent criteria will probably be forced to pay more expensive rates and ends up with the prospect going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” can save as much as they claim. That’s why companies can make claims that they all have the best premium rates.

Different companies use different criteria so it is so important to quote coverage with many companies. It is impossible to predict which insurance companies will have the best auto insurance rates at this point in time.

Information about specific coverages

Having a good grasp of insurance can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Transit Van.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, hail damage, damage from getting keyed, rock chips in glass and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision coverage covers damage to your Transit Van resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, backing into a parked car, crashing into a building, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses such as prosthetic devices, nursing services and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as bail bonds, court costs and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Save for a rainy day

Lower-priced 2021 Ford Transit Van insurance can be sourced on the web as well as from independent agents, and you should compare rates from both so you have a total pricing picture. Some companies do not provide the ability to get quotes online and most of the time these smaller providers prefer to sell through independent agencies.

In this article, we presented some good ideas how you can save on 2021 Ford Transit Van insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising.

Drivers switch companies for a number of reasons such as unfair underwriting practices, policy cancellation, not issuing a premium refund and even poor customer service. Regardless of your reason for switching companies, finding a new insurance company is not as hard as you think.