Lower Your 2018 Ford Transit Van Insurance Rates

Looking for cheaper auto insurance rates for your Ford Transit Van? I doubt anyone is fond of buying auto insurance, especially when they know they could find better prices if they shop around. There is such a variety of insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, so many choices can make it hard to compare rates.

You should take the time to compare rates quite often because rates change quite often. Despite the fact that you may have had the best rate on Transit van coverage on your last policy other companies may now be cheaper. Ignore everything you know about auto insurance because we’re going to show you how to use the internet to find lower rates on auto insurance.

The best way we recommend to compare insurance rates from multiple companies is to know the trick most insurance companies pay for the opportunity to give you rate quotes. To begin a comparison, all you need to do is provide details such as whether you drive to work or school, which vehicles you own, coverage limits, and how much school you completed. Your information is sent automatically to many different companies and you receive quotes immediately.

Lower rates by qualifying for discounts

The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Many of these discounts will be applied automatically when you quote, but a few must be specially asked for before you get the savings.

  • Passive Restraints – Cars that have air bags or automatic seat belts can get savings of 25 to 30%.
  • No Accidents – Insureds with no claims or accidents can save substantially as opposed to drivers with a long claim history.
  • Braking Control Discount – Vehicles that have anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Discount for Life Insurance – Select companies reward you with a discount if you purchase auto and life insurance together.
  • Accident Waiver – Not really a discount, but some companies like State Farm and Progressive will allow you to have one accident without the usual rate increase so long as you haven’t had any claims for a specific time period.

One thing to note about discounts is that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you can get free auto insurance, that’s just not realistic. But all discounts will lower your policy cost.

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

When comparing rates, check with each company or agent which credits you are entitled to. All car insurance discounts may not apply in your state.

Insurance is unique, just like you

When choosing the best insurance coverage, there isn’t really a one size fits all plan. Each situation is unique and your policy should reflect that. For instance, these questions may help you determine whether you might need an agent’s assistance.

  • How can I get high-risk coverage after a DUI?
  • When does my teenage driver need to be added to my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • How can I force my company to pay a claim?
  • Am I covered when delivering products for my home-based business?
  • Should I buy only the required minimum liability coverage?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance coverages and their meanings

Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Coverage for collisions

Collision coverage will pay to fix damage to your Transit Van caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, crashing into a building, colliding with another moving vehicle, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as pain and suffering, medical expenses, court costs, loss of income and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses like surgery, chiropractic care, rehabilitation expenses and prosthetic devices. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Ford Transit Van.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a bird, damage from getting keyed and hitting a deer. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Don’t throw your cash in the trash

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. There have been many situations where an insured cut liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at a price you can afford.

There are still a few companies who do not offer rates over the internet and these small, regional companies only sell through independent agents. Cheaper 2018 Ford Transit Van insurance is available from both online companies and from local insurance agents, so you should compare both so you have a total pricing picture.

Additional insurance information is located at the links below