View 2014 Ford Transit Connect Insurance Quotes

Shoppers have many options when shopping for low-cost Ford Transit Connect insurance. They can either waste time contacting agents getting price quotes or utilize the internet to find the lowest rates. There are more efficient ways to shop for insurance and we’ll show you the quickest way to quote coverages for your Ford and obtain the best price possible from both online companies and local agents.

It is always a good idea to get comparison quotes before your policy renews because rates trend upward over time. Even if you think you had the best deal for Transit Connect coverage last year there is a good chance you can find better prices now. Ignore everything you know about insurance because you’re going to learn the tricks you need to know to find better rates and still maintain coverage.

Finding insurance coverage

Getting a cheap price on 2014 Ford Transit Connect insurance is surprisingly easy. The only thing you need to do is take the time comparing rates to find out which insurance company has inexpensive auto insurance quotes. It’s super easy and can be done by using one of the methods below.

  1. The recommended way to get quotes is a comparison rater form click to view form in new window. This quick form eliminates the need for separate quotation requests for each price estimate. A single, simple form gets rate comparisons instantly. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to obtain and compare quotes online is to take the time to go to the website of each company and fill out their own quote form. For instance, we’ll assume you want comparison quotes from Allstate, 21st Century and Farmers. To find out each rate you need to spend time on each company’s site to input your insurance information, which can get old fast.

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

It’s up to you which method you use, but be sure to compare identical quote data for each price quote. If each company quotes unequal deductibles or liability limits then you won’t be able to determine which company has the best rates.

Discounts for lower-cost insurance rates

Auto insurance companies don’t always advertise all disounts very clearly, so we break down both well-publicized and the harder-to-find savings tricks you should be using when you buy auto insurance online.

  • E-sign – A few insurance companies will give you a small discount simply for signing on the web.
  • Responsible Drivers – Safe drivers could pay up to 40% less for Transit Connect coverage than their less cautious counterparts.
  • Life Insurance Discount – Larger insurance carriers have lower prices if you buy life insurance from them.
  • Telematics Data – People who choose to allow driving data collection to monitor driving habits by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as they are good drivers.
  • Discount for Swiching Early – Some companies provide a discount for buying a new policy prior to the expiration date on your current policy. You can save around 10% with this discount.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts should help reduce your policy premium.

The best insurance companies and their possible discounts are:

  • Farmers Insurance discounts include multi-car, alternative fuel, distant student, teen driver, homeowner, and switch companies.
  • Esurance policyholders can earn discounts including Pac-12 alumni, multi-policy, renters, homeowner, good driver, DriveSense, and defensive driver.
  • State Farm offers premium reductions for Drive Safe & Save, safe vehicle, driver’s education, Steer Clear safe driver discount, good student, and accident-free.
  • GEICO has discounts for daytime running lights, multi-policy, emergency military deployment, defensive driver, and good student.
  • Allstate has savings for eSmart discount, anti-lock brakes, early signing, resident student, premier plus, good student, and FullPay discount.

When getting free auto insurance quotes, it’s a good idea to every company which credits you are entitled to. All car insurance discounts may not apply to policies in your area.

Learn how to quote auto insurance cheaper

When buying auto insurance it’s important to understand the different types of things that are used to determine your auto insurance rates. When consumers understand what determines base rates, this allows you to make good choices that may result in lower rates. Multiple criteria are part of the equation when you quote your car insurance policy. Some are pretty understandable like your driving record, although some other factors are not quite as obvious such as your marital status and annual miles driven.

The list below includes some of the major factors used by companies to determine premiums.

  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that women are better drivers. Women and men tend to get into accidents at a similar rate, but the males cause more damage and cost insurance companies more money. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and therefore pay the highest rates.
  • Drive less and get lower prices – The higher the mileage driven in a year’s time the higher your rate. A lot of insurance companies charge rates partially by how you use the vehicle. Vehicles that do not get driven very much qualify for better rates than vehicles that are driven to work every day. A policy that improperly rates your Transit Connect is just wasting money. Verify your vehicle rating correctly shows the correct usage, because it can save money.
  • Do you really need to file that insurance claims? – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Companies award the best rates to drivers who are not frequent claim filers. Your insurance policy is intended for claims that you cannot pay yourself.
  • Poor credit decisions can cost you – Credit score will be a significant factor in calculating your premium rate. Drivers with very good credit scores tend to file fewer claims than those with bad credit. If your credit could use some work, you could pay less to insure your 2014 Ford Transit Connect by repairing your credit.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions may help you determine whether you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered when delivering products for my home-based business?
  • Does my 2014 Ford Transit Connect qualify for pleasure use?
  • Can I still get insurance after a DUI?
  • Am I covered if I crash into my own garage door?
  • How much liability insurance is required?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

The coverage is in the details

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, theft, damage from flooding and fire damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Transit Connect.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Auto liability – Liability insurance will cover injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

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. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as loss of income, court costs, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses such as funeral costs, nursing services and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverages – Collision insurance pays for damage to your Transit Connect caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, colliding with a tree, rolling your car, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Power to the consumer

As you restructure your insurance plan, never skimp on coverage in order to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

We covered some good ideas how you can compare 2014 Ford Transit Connect insurance rates online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may discover the best rates are with an unexpected company.

Consumers switch companies for many reasons like policy non-renewal, policy cancellation, lack of trust in their agent or questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is easier than you think.

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