2012 Ford Transit Connect Car Insurance Rates

Shopping for discount insurance coverage can be difficult for consumers new to comparing and buying insurance coverage on the web. With such a large number of insurers available, how can you possibly compare each option to find the best available price?

Cheap auto insurance

To find affordable insurance quotes, there are several ways to obtain and compare prices from companies that offer auto insurance in your state. The simplest method to compare rates involves getting comparison quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. If you are pressed for time, the simplest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing separate quotes for every company. One quote request compares rates from auto insurance companies with the best prices. This is by far the quickest method.
  2. Another way to analyze rates requires a visit to the website of each company and fill out their own quote form. For example, we’ll assume you want to view quotes from Nationwide, Allstate and Farmers. To find out each rate you need to go to every website and enter your information, which is why first method is reommended.

    To view a list of companies in your area, click here.

  3. The least recommended method to get price estimates is to spend your day driving to insurance agents’ offices. Buying insurance online reduces the need to sit down with an agent unless you want the trained guidance of a licensed agent. It is possible to price shop online but still have the advice of a local agent.

The method you choose is up to you, but make sure you compare equivalent coverage information for every quote you compare. If the quotes have different limits and deductibles on each one then you won’t be able to truly determine the lowest rate. Slightly different insurance coverages can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies helps increase your odds of locating a better price. Some regional insurers cannot provide online quotes, so you also need to get quotes from the smaller companies as well.

Affordable auto insurance quotes with discounts

Auto insurance companies do not advertise every policy discount very well, so the list below gives a summary of both well-publicized and the harder-to-find ways to save on auto insurance. If you’re not getting every credit possible, you could be saving more on your auto insurance.

  • Good Grades Discount – This discount can get you a discount of up to 25%. The discount lasts until age 25.
  • Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings up to 30%.
  • Homeowners Pay Less – Being a homeowner can save a few bucks since home ownership requires personal responsibility.
  • Theft Deterent Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and that can save you a little bit as well.
  • Switch and Save Discount – A few larger companies allow discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you could save 5% or more.
  • Discounts for Safe Drivers – Accident-free drivers can get discounts for up to 45% lower rates for Transit Connect coverage than drivers with accidents.
  • 55 and Retired – If you’re over the age of 55, you can get a discount up to 10% for Transit Connect coverage.
  • Telematics Data Discounts – Drivers who agree to allow driving data submission to look at vehicle usage by installing a telematics device like Allstate’s Drivewise could see a rate decrease as long as the data is positive.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic.

The best auto insurance companies and their offered discounts are shown below.

  • Travelers may have discounts that include save driver, continuous insurance, good student, student away at school, multi-policy, multi-car, and early quote.
  • 21st Century may include discounts for 55 and older, air bags, driver training, early bird, student driver, and theft prevention.
  • State Farm discounts include anti-theft, Drive Safe & Save, accident-free, student away at school, good driver, and good student.
  • GEICO has discounts for driver training, defensive driver, anti-theft, federal employee, air bags, military active duty, and good student.
  • SAFECO offers discounts including bundle discounts, teen safety rewards, multi-car, anti-lock brakes, accident prevention training, and safe driver.
  • AAA includes discounts for good driver, pay-in-full, anti-theft, multi-car, education and occupation, and AAA membership discount.

When getting free insurance quotes, it’s a good idea to each company or agent the best way to save money. Some of the earlier mentioned discounts may not apply to policies in your area. If you would like to see a list of providers with significant discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions might help in determining if you might need professional guidance.

  • Do I have coverage for damage caused while driving under the influence?
  • Where can I find high-risk insurance?
  • Am I covered if hit by an uninsured driver?
  • Do I get a pro-rated refund if I cancel my policy early?
  • I have a DUI can I still get coverage?
  • Does my 2012 Ford Transit Connect need full coverage?
  • Do I need replacement cost coverage?
  • Are my friends covered when driving my car?
  • What is UM/UIM insurance?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Save money with these tips

Many factors are used in the calculation when you quote your car insurance policy. Some are obvious like your driving record, although others are more obscure like your continuous coverage or your vehicle rating.It’s important that you understand the rating factors that help calculate your premiums. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you big savings.

  • Cheaper rates after marriage – Being married can get you a discount when buying car insurance. Having a significant other generally demonstrates drivers are more mature than a single person and statistics prove married drivers tend to have fewer serious accidents.
  • Long commutes cost more – Driving a lot of miles each year the more you’ll pay to insure your vehicle. Most insurance companies calculate prices based on their usage. Cars and trucks that have low annual miles get more affordable rates than vehicles that have high annual mileage. Ask your agent if your car insurance declarations sheet shows how each vehicle is driven. Having an incorrect usage rating on your Transit Connect is just wasting money.
  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. Vehicles built for safety reduce the chance of injuries and any reduction in injury severity translates into savings for insurance companies and cheaper rates on your policy.
  • Stay claim-free and save – If you tend to file frequent claims, you shouldn’t be surprised to get higher premiums or even policy non-renewal. Car insurance companies provide most affordable rates to drivers who file claims infrequently. Your car insurance is intended to be relied upon for claims that pose a financial burden.
  • Small coverages can add up – Policies have additional coverages that sound like a good idea at the time if you don’t pay attention. Insurance for roadside assistance, towing coverage, and Farm Bureau memberships may be wasting your money. These coverages may sound good when buying your policy, but if you don’t need them eliminate them to save money.

Detailed coverages of your car insurance policy

Understanding the coverages of your car insurance policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, crashing into a ditch, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like emergency aid, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Ford Transit Connect.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as dental work, EMT expenses, doctor visits and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They 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 coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle, hitting a bird and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

The bottom line

There are still a few companies who may not have the ability to get quotes online and many times these small insurance companies work with independent agents. Cheaper 2012 Ford Transit Connect insurance can be purchased online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates.

When searching for the cheapest insurance quotes, do not skimp on coverage in order to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to buy enough coverage at the best possible price but still have enough coverage for asset protection.

Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, delays in paying claims or even questionable increases in premium. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Much more information about insurance coverage can be read at the links below