2022 Ford Transit Van Car Insurance Cost in 2024 – 9 Tips for Cheapest Prices

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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: Apr 5, 2024

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Scraping up a payment for overpriced Ford Transit Van insurance can eat up your monthly budget, especially in this economy. Consumers have so many auto insurance companies to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to compare rates and find the lowest cost auto insurance.

Insurance coverage discounts are available to lower your rates

Insurance coverage can be pricey, but there’s a good chance there are discounts that you may not know about. Some discounts apply automatically when you complete an application, but a few must be asked for prior to getting the savings.

  • Senior Discount – Older drivers are able to get a small discount on rates for Transit van insurance.
  • Theft Prevention Discount – Vehicles with anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • Accident Waiver – Not really a discount, but some insurance companies permit an accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
  • College Student Discount – Older children who are enrolled in higher education away from home and do not have access to a covered vehicle could get you a discount.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle up could cut 10% or more off the medical payments premium.
  • Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you lower prices if you buy life insurance from them.
  • Paperless Signup – A few larger online companies will provide an incentive for signing up on their website.
  • Homeowners Savings – Being a homeowner may trigger a policy discount on insurance coverage because owning a home demonstrates responsibility.
  • Smart Student Discounts – Excelling in school may save you up to 25%. Earning this discount can benefit you well after school through age 25.

Please keep in mind that most of the big mark downs will not be given to the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount should definitely cut the amount you have to pay.

A list of insurance coverage companies and the discounts they provide can be read below.

  • AAA may include discounts for good student, multi-car, education and occupation, anti-theft, and AAA membership discount.
  • Progressive offers discounts for good student, continuous coverage, online quote discount, homeowner, multi-policy, online signing, and multi-vehicle.
  • State Farm discounts include defensive driving training, driver’s education, good student, multiple autos, student away at school, and passive restraint.
  • Esurance has discounts for online shopper, defensive driver, good driver, online quote, and emergency road assistance.
  • Nationwide may have discounts that include multi-policy, family plan, easy pay, accident-free, and business or organization.

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts might not apply in every state.

Everyone needs different insurance coverage coverages

When buying adequate coverage, there really is not a best way to insure your cars. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

  • Do I have coverage when making deliveries for my home business?
  • When do I need to add a new car to my policy?
  • Is my babysitter covered when using my vehicle?
  • Can I get a multi-policy discount?
  • Does coverage extend to Mexico or Canada?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage if my license is suspended?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can I afford to buy a different vehicle if my 2022 Ford Transit Van is totaled?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t ignore all the ads for the lowest price car insurance from companies such as GEICO, State Farm and Progressive. They all say the same thing that you can save after switching your car insurance coverage to their company.

How is it possible that every company can sell you cheaper insurance coverage? This is the trick they use.

Car insurance companies have specific guidelines for the type of customer that will be a good risk. A good example of this type of risk profile may be over the age of 50, owns a home, and drives a lower-performance vehicle. Any person who meets those qualifications will get very good prices as well as cut their rates substantially.

Potential customers who don’t meet those standards will have to pay a higher premium which translates to business going elsewhere. The ads state “customers who switch” not “everyone who quotes” can save as much as they claim. This is how companies can make the claims of big savings. This really emphasizes why drivers must quote coverage with many companies. It’s not possible to predict with any certainty which company will have the lowest rate quotes.

Insurance coverage options for a Ford Transit Van

Knowing the specifics of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Collision coverage protection

Collision coverage covers damage to your Transit Van resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Transit Van.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages

This will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like court costs, structural damage, loss of income, pain and suffering and attorney fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for X-ray expenses, nursing services, hospital visits, dental work and ambulance fees. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, falling objects, rock chips in glass, damage from a tornado or hurricane and a broken windshield. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Summing up your auto insurance search

As you restructure your insurance plan, do not reduce coverage to reduce premium. Too many times, an insured cut physical damage coverage only to regret that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

The cheapest 2022 Ford Transit Van insurance can be found both online and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get a quote online and these regional insurance providers sell through independent agencies.

You just read some good ideas how you can reduce 2022 Ford Transit Van insurance premium rates online. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from a lesser-known regional company. They may have significantly lower prices on certain market segments compared to the large companies like Allstate or State Farm.

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