2013 Ford Transit Connect Insurance Quotes

Searching for cheaper car insurance rates for your Ford Transit Connect? I doubt anyone enjoys paying for car insurance, especially knowing the price is too high. Since drivers have many choices, it can be diffult for people to locate the lowest price company.

Shopping for cheaper insurance coverage can be fairly easy. If you have insurance now or are shopping for new coverage, you can use this information to cut your premiums while maintaining coverages. Drivers only need to know how to get comparison rates online.

Compare car insurance rates

Getting a low cost price on 2013 Ford Transit Connect insurance isn’t really that difficult. You just need to take time to compare free insurance coverage quotes from different insurance companies. Shoppers can get rates using one of these methods.

  1. Hands down the most simple method consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for repetitive form submissions for each price estimate. Filling out one form compares rates from several companies.
  2. A different way to analyze rates is going to the website for every company you want to comare and fill out their own quote form. For instance, we’ll pretend you want to compare GEICO, Liberty Mutual and GMAC. In order to get each rate, you would have to visit each site and punch in your information repeatedly, which can take a lot of time. To view a list of companies in your area, click here.
  3. The least efficient and most time consuming method to compare price quotes is to spend time driving to insurance agencies in your area. The ability to buy insurance online has made agencies unnecessary unless you’re the type of person who wants the personal advice of a local agent. Although you can compare the best prices online and still use a local agent.

Take whichever approach you prefer, but make sure you compare equivalent coverages and limits for every quote you compare. If you have different data you will not be able to determine the best price for your Ford Transit Connect.

You may qualify for discounts

Car insurance is not an enjoyable expense, but you might already qualify for some discounts to help offset the cost. Some discounts apply automatically at the time of purchase, but a few need to be asked for prior to receiving the credit.

  • Driving Data Discount – Policyholders that allow their insurance company to look at driving manner by using a small device installed in their vehicle such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
  • Save with More Vehicles Insured – Insuring primary and secondary vehicles with the same company can get a discount for every vehicle.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Low Mileage – Maintaining low annual mileage may allow you to get better rates on cars that stay parked.
  • Discount for Life Insurance – Larger insurance carriers have a discounted rate on car insurance if you buy a life insurance policy as well.
  • No Claims – Drivers who stay claim-free have much lower rates in comparison to drivers with a long claim history.
  • Auto/Home Discount – If you can bundle your auto and homeowners insurance with the same company you could get a discount of approximately 10% to 15%.
  • Discount for Home Ownership – Owning a house may trigger a policy discount on car insurance since home ownership requires a higher level of personal finance.
  • Distant Student – Older children living away from home attending college and do not take a car to college could get you a discount.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

Some companies that may offer policyholders some of the discounts shown above include:

When getting free insurance coverage quotes, it’s a good idea to every prospective company how many discounts you can get. Discounts might not apply in your area. For a list of car insurance companies with significant discounts, click this link.

There’s no such thing as the perfect insurance coverage policy

When choosing coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs may require specific advice.

  • Is my dog or cat covered if injured in an accident?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I get a multi-policy discount?
  • Am I covered if I hit a deer?
  • Am I covered if I wreck a rental car?
  • When should I not file a claim?
  • Can I make deliveries for my home business?
  • Are my tools covered if they get stolen from my vehicle?
  • How much liability insurance is required?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Lower your insurance premiums

Many factors are used when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but some are less obvious such as your marital status or how safe your car is.

Listed below are some of the things utilized by car insurance companies to help set your rate level.

  • Allowing your insurance policy to lapse raises insurance rates – Not having insurance is a misdemeanor and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will rates go up, the inability to provide proof of insurance may result in fines and jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Guys tend to take more risk – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. Both sexes cause auto accidents at about the same rate, but males have costlier accidents. They also get cited for more serious violations like DWI (DUI) or reckless driving.
  • Insurance rates for married couples – Having a significant other may earn you lower rates on insurance. It translates into being more mature and responsible and insurance companies like that married couples file fewer claims.
  • Keep claims to a minimum – If you file claims often, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Auto insurance companies generally give lower rates to insureds who only file infrequent claims. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Qualify for multi-policy discounts – Some insurers afford better rates to clients who carry more than one policy in the form of a multi-policy discount. This can amount to as much as ten percent or more Even if you qualify for this discount already, consumers should still comparison shop to help ensure you have the lowest rates.There is a chance you can save money by insuring with multiple companies.
  • Insurance rates and age – Drivers with little experience tend to be less responsible in a vehicle and because of this, their insurance rates are much higher. Older, more experienced drivers have been proven to be more responsible, cause fewer claims and accidents .
  • Your address can impact costs – Choosing to live in smaller towns and rural areas of the country has it’s advantages if you are looking for the lowest rates. Less people translates into fewer accident claims. City drivers regularly have more road rage incidents and longer commutes to work. Longer commute distances translates into higher accident risk.
  • Only buy what you need – There are a ton of extra coverages that may not really be needed when buying insurance. Things like replacement cost coverage, high-cost glass coverage, and additional equipment coverage are examples of these. These may sound like a good investment when deciding what coverages you need, but now you might not need them so remove them from your policy.

Big names are not always cheapest

Consumers can’t get away from ads for insurance coverage savings by companies like State Farm and Allstate. They all convey the message that you’ll save big after switching your policy.

How is it plausible that every one can give you a better price?

Many companies can use profiling for the right customer they prefer to insure. One example of a desirable risk could possibly be between 25 and 40, has never had a policy lapse, and chooses high deductibles. Any customer that matches those criteria will most likely get cheap car insurance rates and will also pay quite a bit less when switching companies.

Drivers who are not a match for those standards must pay higher premium rates which usually ends up with the customer buying from a different company. If you listen to the ad wording, they say “drivers that switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can confidently make claims that they all have the best car insurance rates.

That is why you really should get as many free insurance coverage quotes as possible. Because without a comparison, you cannot know which insurance companies will have the lowest rate quotes.

Car insurance 101

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your 2013 Ford Transit Connect.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision protection

This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, X-ray expenses and funeral costs. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, damage from getting keyed and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance

This will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as attorney fees, emergency aid, funeral expenses, pain and suffering and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Be a smart shopper

As you restructure your insurance plan, never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We just showed you a lot of information how to reduce 2013 Ford Transit Connect insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with some of the lesser-known companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

Much more information about insurance is available below: