Compare 2011 Ford Transit Connect Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Ford Transit Connect? No one in their right mind fancies paying their premiums for insurance coverage, especially when they know the prices are way too high. Online insurance companies like Progressive, State Farm and GEICO continually hit you with fancy advertisements and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.

It’s smart to price shop coverage at least once a year because rates fluctuate regularly. Just because you found the lowest rate for Transit Connect insurance two years ago you may be paying too much now. There is a lot of bad advice regarding insurance coverage out there, but in just a couple of minutes you can learn some of the best techniques to stop overpaying for insurance.

If you have insurance now or need new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. Finding the best rates is not rocket science. Drivers just need to know the proper methods to get comparison rates on the web.

Five factors that impact insurance costs

Smart consumers have a good feel for the rating factors that help calculate the rates you pay for car insurance. If you have a feel for what influences your rates, this enables you to make decisions that may result in big savings.

Shown below are most of the major factors used by insurance companies to determine rates.

  • Liability protection is critical – A critical coverage on your policy, liability insurance kicks in if a court rules you are at fault for an accident. Your liability coverage provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Raise deductibles and save – Physical damage coverage, also known as collision and other-than-collision, protects your Ford from damage. Some examples of covered claims are collision with another vehicle, damage from fire, and burglary. The deductibles are how much you are willing to pay if a covered claim is submitted. The more expense you have to pay, the lower your rates will be for Transit Connect insurance.
  • Bundle policies to earn discounts – Most companies apply a discount to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even if you qualify for this discount already, it’s always a smart idea to shop around to confirm you are receiving the best rates possible.
  • Getting married pays dividends – Being married actually saves money on your car insurance bill. Having a spouse usually means you are more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Do you save by driving less? – The higher the miles on your Ford each year the higher your rates will be. Almost all companies charge rates based on how the vehicle is used. Vehicles that are left in the garage cost less to insure compared to those used for work or business. Double check that your policy is rated on the correct usage, because it can save money. Incorrect rating for your Transit Connect is just wasting money.

How to compare free insurance quotes

Finding cheaper insurance rates can be relatively painless. All that’s required is to spend a few minutes on the computer comparing free insurance coverage quotes to find the company with affordable insurance coverage quotes. You can get a good selection of rate quotes in a couple of different ways.

  1. Without a doubt, the easiest way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method keeps you from doing separate quote forms for every prospective company. A single form gets coverage cost estimates instantly.
  2. A more difficult way to obtain and compare quotes online is going to each company’s website and fill out a new quote form. For instance, let’s assume you need rates from Nationwide, 21st Century and GMAC. You would have to visit each site to enter the same coverage data repeatedly, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but do your best to enter apples-to-apples coverage information for every company. If you compare different values for each quote it will be nearly impossible to get a fair rate comparison.

Save $389 a year? Really?

Drivers constantly see and hear ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. They all seem to advertise claims that people will save if you get a free insurance coverage quote and switch your car insurance policy to them.

It sounds good, but how can they all charge you less for auto insurance?

Insurance companies provide the lowest rates for the type of insured that earns them the highest profit. One example of this type of insured could be a mature driver, has never had a policy lapse, and drives a safe vehicle. Anyone that matches those criteria will most likely get cheap premium rates and is almost guaranteed to save when they switch companies.

Drivers who don’t qualify for these standards will be quoted more expensive rates which translates to the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can lure you into getting a quote.

That is why you really should get as many free insurance coverage quotes as possible. It’s just not possible to know which car insurance company will provide the lowest rates.

Take policy discounts and save

Companies don’t necessarily list the entire discount list very well, so the following list contains both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance coverage online.

  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
  • Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a lower rate if you buy some life insurance too.
  • New Car Discount – Insuring a new car can save you some money because new model year vehicles have to meet stringent safety requirements.
  • Smart Student Discounts – Being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Distant Student – who are attending college and leave their car at home may be insured at a cheaper rate.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may earn at least 10 to 15 percent or more.
  • E-sign Discounts – A few insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on the internet.

A little disclaimer on discounts, most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies who might offer some of the above discounts include:

If you need low cost insurance coverage quotes, ask each insurance company to apply every possible discount. Some discounts listed above might not be offered on policies in your area. To find insurance companies that can offer you the previously mentioned discounts, click here to view.

Which policy gives me the best coverage?

When buying coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • Is my camper covered by my car insurance policy?
  • Is pleasure use cheaper than using my 2011 Ford Transit Connect to commute?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How much underlying liability do I need for an umbrella policy?
  • Does my insurance cover my expensive audio equipment?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage considerations

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, damage from getting keyed, theft and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

This protects you from injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as attorney fees, legal defense fees, funeral expenses, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your 2011 Ford Transit Connect.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for doctor visits, EMT expenses, surgery and nursing services. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

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

Collision can pay for claims such as crashing into a ditch, sustaining damage from a pot hole, backing into a parked car, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Never pay more for less

Some insurance providers do not provide the ability to get a quote online and most of the time these small insurance companies provide coverage only through independent agents. The cheapest 2011 Ford Transit Connect insurance is definitely available on the web in addition to many insurance agents, and you should compare rates from both to have the best rate selection.

Throughout this article, we presented a lot of information how to shop for 2011 Ford Transit Connect insurance online. The key concept to understand is the more times you quote, the higher your chance of finding cheaper insurance coverage. Consumers could even find that the best price on insurance coverage is with an unexpected company. Some small companies may only write in your state and offer lower car insurance rates compared to the large companies like State Farm and Allstate.

When searching for the cheapest insurance coverage quotes, you should never buy poor coverage just to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret that it was a big error on their part. Your objective should be to buy enough coverage at the best cost and still be able to protect your assets.

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