Compare 2022 Ford Transit Connect Insurance Quotes in 2024

If you’re shopping for lower-priced insurance online, are you confused by the number of insurance coverage companies available to you? Lot’s of other drivers are too. There are so many companies available that it is more work than you anticipated to find better rates.

If you have car insurance now, you will most likely be able to save some money using this information. The purpose of this article is to teach you how to get online quotes and some tricks to saving. But car owners must comprehend how insurance companies determine prices and apply this information to your search.

Finding insurance coverage

Most major insurance companies like State Farm, GEICO and Progressive allow you to get coverage price quotes direct online. Doing online price comparisons is quite easy as you just type in your coverage preferences as requested by the quote form. After you submit the form the system gets reports for credit and driving violations and returns a price quote based on many factors.

Online quotes makes it a lot easier to compare rates but having to visit a lot of sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you are searching for the lowest price.

A quicker way to find lower prices is to use a quote form to get prices from a lot of companies. It’s a real time-saver, helps eliminate repetitive entry, and makes comparison shopping much more enjoyable. Once the form is submitted, it is quoted with multiple companies and you can pick any of the quotes that you receive. If a lower price is quoted, you can click and sign and purchase the new policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To find out how much you’re overpaying now, simply enter your zip code here and enter your information. If you currently have coverage, we recommend you type in coverages and limits as close as possible to your current policy. This helps ensure you will have a fair comparison for exact coverage.

Lower-cost insurance coverage quotes with discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that you may not even be aware of. Some of these discounts will be visible at the time of purchase, but less common discounts must be asked for before you will receive the discount.

• Paperwork-free – A handful of insurance coverage companies may give you up to $50 simply for signing on the internet.
• Discounts for Multiple Vehicles – Buying coverage for primary and secondary vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
• Defensive Driver – Completing a driver safety class could cut 5% off your bill and make you a better driver.
• Air Bag Discount – Vehicles equipped with air bags may get savings of up to 25% or more.
• Mature Driver Discount – Seniors can possibly qualify for better insurance coverage rates for Transit Connect coverage.

Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. So even though you would think it’s possible to get free car insurance, you aren’t that lucky.

If you would like to choose from a list of insurance coverage companies that offer some of these discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether your personal situation might need professional guidance.

• Why do I only qualify for high-risk insurance?
• Will my insurance pay for OEM parts?
• Should I bundle my homeowners policy with my auto?
• What are the best liability limits?
• Should I have combined single limit or split liability limits?
• Should I put collision coverage on all my vehicles?
• Do I need higher collision deductibles?
• Is my nanny covered when driving my vehicle?
• What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete your zip code.

Insurance policy specifics

Understanding the coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Transit Connect.

Because many people only purchase the least amount of liability that is required, 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.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills like rehabilitation expenses, prosthetic devices, hospital visits, EMT expenses and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision coverage covers damage to your Transit Connect resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a parking meter, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Liability car insurance

Liability insurance protects you from damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like pain and suffering, medical expenses, structural damage and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, damage from getting keyed, hail damage and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.