2017 Ford Transit Connect Insurance Rates – 5 Discounts for Best Quotes

Looking for the cheapest insurance rates for your Ford Transit Connect? Finding the cheapest insurance for a new or used Ford Transit Connect can normally be a lot of work, but you can use these tips to find lower rates.

There is a better way to buy insurance and we’ll show you the proper way to price shop coverage for a Ford and locate the cheapest rates from local insurance agents and online providers.

Get cheap car insurance rates with discounts

Car insurance can be pricey, but you might be missing out on some discounts that can help lower your rates. Many of these discounts will be applied automatically at quote time, but less common discounts must be asked for before you get the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Telematics Discount – People who choose to allow their car insurance company to monitor their driving habits by using a telematics device such as State Farm’s In-Drive might see lower rates if they have good driving habits.
  • Driver’s Education for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • Low Mileage Discounts – Fewer annual miles on your Ford may allow you to get lower premium rates due to less chance of an accident.
  • Paper-free Discount – Some companies will provide an incentive just for signing your application on the internet.
  • Savings for New Vehicles – Adding a new car to your policy can save you some money due to better safety requirements for new vehicles.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, companies don’t profit that way.

A few popular companies and some of the premium reductions they offer are outlined below.

  • 21st Century may offer discounts for good student, theft prevention, defensive driver, 55 and older, driver training, student driver, and teen driver.
  • Progressive includes discounts for homeowner, good student, multi-vehicle, online quote discount, multi-policy, continuous coverage, and online signing.
  • State Farm may have discounts that include driver’s education, defensive driving training, good student, good driver, passive restraint, student away at school, and accident-free.
  • Nationwide offers discounts for defensive driving, easy pay, business or organization, Farm Bureau membership, family plan, accident-free, and anti-theft.
  • Esurance discounts include renters, anti-lock brakes, paid-in-full, Switch & Save, anti-theft, online shopper, and claim free.
  • The Hartford policyholders can earn discounts including air bag, defensive driver, driver training, anti-theft, vehicle fuel type, good student, and bundle.

If you want cheaper insurance quotes, ask each insurance company to apply every possible discount. Some discounts may not apply to policyholders in your state. If you would like to see a list of insurance companies with the best car insurance discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there really is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 2017 Ford Transit Connect is totaled?
  • Can my teen drive my company car?
  • Why am I required to buy liability insurance?
  • Does my personal policy cover me when driving out-of-state?
  • What is the ISO rating for a 2017 Ford Transit Connect?
  • What can I do if my company won’t pay a claim?
  • Should I buy only the required minimum liability coverage?
  • I have health insurance so do I need medical payments coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is pleasure use cheaper than using my 2017 Ford Transit Connect to commute?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for nursing services, chiropractic care and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage will pay to fix damage to your Transit Connect caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, backing into a parked car, colliding with another moving vehicle, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Auto liability insurance – This coverage protects you from damage or injury you incur to a person or their property by causing an accident. 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. You might see 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. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as bail bonds, funeral expenses and medical expenses. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, fire damage and hitting a bird. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Transit Connect.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Affordable insurance is out there

We covered some good ideas how to shop for 2017 Ford Transit Connect insurance online. The most important thing to understand is the more times you quote, the better likelihood of getting inexpensive insurance. You may be surprised to find that the lowest priced auto insurance comes from a lesser-known regional company.

When getting insurance quotes online, you should never sacrifice coverage to reduce premiums. There have been many situations where someone dropped liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

Drivers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, poor customer service and extreme rates for teen drivers. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.

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