Compare 2016 Ford Transit Van Car Insurance Rates

Buyers have a choice when searching for affordable Ford Transit Van insurance. You can either spend your time driving around getting price quotes or use the internet to make rate comparisons. There is a better way to buy auto insurance so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Ford and find the lowest possible price from local insurance agents and online providers.

You should take the time to compare premium rates once or twice a year because insurance prices go up and down regularly. If you had the best price on Transit van coverage a couple years back other companies may now be cheaper. You can find a lot of misleading information regarding auto insurance online but you can learn some tested techniques to stop overpaying for insurance.

Lower-cost auto insurance rates with discounts

Some insurance providers don’t always publicize every discount very well, so the below list has some of the more common and also the more inconspicuous credits that may apply to you.

  • Smart Student Discounts – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
  • Save with More Vehicles Insured – Drivers who insure multiple vehicles with one company qualifies for this discount.
  • Discount for New Cars – Buying insurance coverage on a new vehicle can save you some money because newer vehicles are generally safer.
  • Early Payment Discounts – By making one initial payment instead of making monthly payments you can avoid monthly service charges.
  • Discount for Life Insurance – Some companies give a discount if you purchase some life insurance in addition to your auto policy.
  • Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies allow you one accident without raising rates if you are claim-free for a certain period of time.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Transit van coverage but check with your company.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.

Just know that most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. Even though it appears adding up those discounts means a free policy, you’re out of luck.

Popular auto insurance companies and some of their more popular discounts are included below.

  • State Farm offers discounts including Drive Safe & Save, anti-theft, multiple autos, good driver, good student, passive restraint, and driver’s education.
  • Farmers Insurance has savings for youthful driver, alternative fuel, bundle discounts, good student, pay in full, and teen driver.
  • GEICO may have discounts that include emergency military deployment, multi-policy, air bags, membership and employees, and multi-vehicle.
  • American Family has discounts for TimeAway discount, defensive driver, mySafetyValet, good driver, early bird, good student, and multi-vehicle.
  • Nationwide discounts include multi-policy, anti-theft, easy pay, good student, family plan, business or organization, and defensive driving.
  • Progressive offers premium reductions for multi-vehicle, online quote discount, online signing, continuous coverage, and good student.

If you are trying to find the cheapest auto insurance quotes, ask every insurance company how you can save money. All car insurance discounts might not be available to policyholders everywhere.

Tailor your car insurance coverage to you

When buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether or not you would benefit from professional advice.

  • I don’t drive much so do I pay less?
  • Exactly who is provided coverage by my policy?
  • Am I getting all the discounts available?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if hit by an uninsured driver?
  • Can I still get insurance after a DUI?
  • Do I need medical payments coverage since I have good health insurance?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance policy specifics

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from flooding, a broken windshield, fire damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as court costs, emergency aid, medical expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Coverage for collisions

This covers damage to your Transit Van from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, crashing into a building, colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills such as ambulance fees, doctor visits and surgery. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2016 Ford Transit Van.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Stretch your dollar

Consumers leave their current company for a variety of reasons including delays in responding to claim requests, poor customer service, delays in paying claims or questionable increases in premium. No matter why you want to switch, finding a new auto insurance company is actually quite simple.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Budget-friendly auto insurance can be found both online as well as from insurance agents, and you should be comparing both to have the best selection. Some auto insurance companies may not offer internet price quotes and most of the time these small, regional companies only sell coverage through local independent agents.

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