How Much Does 2015 Ford Transit Wagon Insurance Cost?

Are you baffled by the sheer number of auto insurance providers in your area? You have so many providers to choose from that it can easily turn into a challenge to compare auto insurance rates.

How to compare insurance quotes

When looking for affordable car insurance quotes, there are a couple ways to compare quotes from all the different companies. By far the easiest way to compare Ford Transit Wagon insurance prices involves getting comparison quotes online. This can be done by using one of the methods below.

The most recommended method to get quotes would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do repetitive form entry for every insurance company. One quote request gets prices estimates from multiple companies. This is by far the quickest method.

A more difficult way to find lower rates consists of going to each company website to request a price quote. For sake of this example, we’ll assume you want to get rates from Liberty Mutual, Farmers and Progressive. In order to get each rate, you would have to go to every website and punch in your information repeatedly, which can take a lot of time. For a list of companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare equivalent quote information for each comparison quote. If the quotes have different deductibles you can’t possibly determine which rate is truly the best. Just a small difference in coverages can result in a big premium difference. It’s important to know that having more price comparisons increases your odds of finding a better price.

Start a Quote Now

The auto insurance bait and switch

Well-known auto insurance companies like Allstate, GEICO and Progressive seem to constantly run ads on TV and radio. They all seem to make an identical promise that people will save if you just switch your auto insurance coverage to their company. How does every auto insurance company claim to save you money?

Many companies have strict underwriting profiles for the type of driver that earns them the most money. A good example of this type of risk profile may need to be a married female, owns their home, and has a high credit rating. Any new insured who matches that profile receives the best car insurance rates and is almost guaranteed to cut their rates if they switch.

Potential customers who fall outside the requirements will get higher premium rates which usually ends up with business going elsewhere. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” save that much money. This is how insurance companies can make it sound like they have such great car insurance rates.

This emphasizes why you need to quote coverage with many companies. It is impossible to predict which insurance companies will be your best fit.

How insurers determine Ford Transit Wagon insurance prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that come into play when calculating your policy premiums. If you have some idea of what determines base rates, this helps enable you to make changes that will entitle you to cheaper rates. Many things are part of the calculation when quoting car insurance. Some factors are common sense like your driving record, but some are not as apparent such as whether you are married or how safe your car is.

Continuous auto insurance coverage lowers rates – Going without insurance is a quick way to increase your auto insurance rates. And not only will insurance be more expensive, the inability to provide proof of insurance will get you a revoked license or a big fine. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
Don’t abuse claims – Auto insurance companies give the best rates to policyholders that do not abuse their auto insurance. If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
Eliminate extra coverages – There are a ton of extra add-on coverages that may not really be needed if you aren’t diligent. Coverages like rental car coverage, towing, and extra equipment coverage are examples of these. The coverages may be enticing at first, but your money might be better spent on other coverage so think about removing them and cutting costs.
A good credit history can save money – Your credit score can be a huge factor in calculating your auto insurance rates. People with high credit scores tend to file fewer claims as compared to drivers with worse credit. If your credit is not that good, you could potentially save money when insuring your 2015 Ford Transit Wagon by spending a little time repairing your credit.
Optional features impact premiums – Choosing a vehicle that has a built-in theft deterrent system can help lower your rates. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft and help bring rates down.
More than one policy can earn a discount – Most major auto insurance companies provide discounts to people that purchase more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other company rates to verify if the discount is saving money.

Insurance policy discounts

Insurance can be pricey, but there could be available discounts that could drop your premiums quite a bit. Certain credits will be shown at the time you complete a quote, but a few must be specially asked for prior to receiving the credit. If you’re not getting every credit possible, you are throwing money away.

Cautious Drivers – Safe drivers may save up to 50% more for Transit Wagon insurance compared to rates paid by drivers with frequent claims.
Active Service Discounts – Having an actively deployed family member could qualify you for better premium rates.
Save over 55 – Mature drivers may be able to get a discount up to 10% for Transit Wagon insurance.
Low Mileage – Maintaining low annual mileage may allow you to get cheaper insurancerates.
Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.

Just know that most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like you could get a free insurance policy, companies don’t profit that way.

A partial list of companies who may offer some of the discounts shown above may include but are not limited to:

Before purchasing a policy, check with each company the best way to save money. Some credits may not be offered in your area. To choose providers who offer cheap insurance quotes, click here.

How do I know if I need professional advice?

When choosing proper insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether you may require specific advice.

Am I covered if I crash into my own garage door?
Does having multiple vehicles earn me a discount?
How can I force my company to pay a claim?
What is the ISO rating for a 2015 Ford Transit Wagon?
Should I have combined single limit or split liability limits?
Exactly who is provided coverage by my policy?
Why am I required to buy high-risk coverage?
Am I covered if I hit a deer?
Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage information

Understanding the coverages of car insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for surgery, nursing services, hospital visits and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, hitting a bird, vandalism, theft and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Auto liability

Liability coverage can cover damage that occurs to other people or property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, repair bills for other people’s vehicles, pain and suffering and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Transit Wagon from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a mailbox, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

More effort can pay off

In this article, we presented some good ideas how you can reduce 2015 Ford Transit Wagon insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest prices come from a small local company.

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where someone dropped full coverage only to find out that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

Insureds change insurance companies for any number of reasons including lack of trust in their agent, policy non-renewal, denial of a claim and even poor customer service. Whatever your reason, choosing a new company is not as hard as you think.

Additional information is located at these links: