Cheaper 2012 Ford Transit Connect Car Insurance Rates

Looking for better car insurance rates for your Ford Transit Connect? Scraping up a payment for high-priced Ford Transit Connect insurance can diminish your savings and possibly require you to analyze your spending habits.

Numerous insurers battle for your insurance dollar, so it can be very hard to choose a provider to find the absolute lowest rate

How to lower your insurance cost

The majority of larger companies such as State Farm, Allstate and Geico allow consumers to get insurance quotes from their websites. Doing online price comparisons doesn’t take much effort as you simply enter the coverages you want as requested by the quote form. After you submit the form their quoting system sends out for your credit score and driving record and returns a price quote based on many factors. Online price quotes makes it a lot easier to compare rates but the time it takes to visit many different websites and type in the same information is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible if you want to find better prices.

The easiest way to compare rates uses just one form to obtain quotes from several companies at one time. This type of form saves time, requires less work, and makes online shopping much more enjoyable. As soon as you send your information, it is quoted and you can select any of the resulting price quotes.

If you find a better price you can click and sign and purchase the new policy. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly find out what other companies charge, click here to open in new window and submit the form. If you have a policy now, it’s recommended you input the limits and deductibles as shown on your current policy. Doing this assures you will get rate quotes using the exact same coverages.

More discounts mean lower-cost premiums

Some providers don’t always advertise the complete list of policy discounts very clearly, so the following list contains some of the best known and also the more inconspicuous credits that may apply to you. If you aren’t receiving every discount available, you are just wasting money.

• Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Telematics Data – Drivers who agree to allow their company to scrutinize when and where they use their vehicle through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.
• Homeowners Savings – Just being a homeowner can save a few bucks since owning and maintaining a home shows financial diligence.
• Claim-Free Discount – Good drivers with no accidents get the best insurance coverage rates when compared to policyholders that have many claims.
• Anti-lock Brake System – Cars and trucks with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
• Bundled Policy Discount – If you combine your auto and home policies with the same insurance company you could earn a discount of up to 20% off your total premium.
• Discounts for Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Transit Connect coverage with certain companies.
• Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if offered at their school.
• Early Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

To find providers who offer free insurance coverage quotes, click here.

It’s not one size fits all

When it comes to choosing adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that could help you determine whether or not you may require specific advice.

• Am I missing any policy discounts?
• Does coverage extend to my business vehicle?
• How can I force my company to pay a claim?
• How can I find cheaper teen driver insurance?
• What is the rate difference between pleasure use and commuting?
• Am I covered if I hit a deer?
• Am I covered by my spouse’s policy after a separation?
• Which is better, split liability limits or combined limits?
• Do I have newly-aquired coverage?
• Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Lower insurance rates with these tips

When buying auto insurance it’s important to understand some of the things that are used to determine your premiums. When you understand what controls the rates you pay, this enables informed choices that can help you get lower rates. Lots of factors are part of the equation when premium rates are determined. Some factors are common sense such as your driving record, although some other factors are not quite as obvious such as your marital status or how safe your car is.

• Don’t skimp on liability – The liability section of your policy will afford coverage if ever you are found liable for an accident. It provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Premiums are lower the older you get – Older drivers are shown to be more cautious, statistically cause fewer accidents .Young drivers are known to be inattentive and easily distracted behind the wheel so auto insurance rates are higher.
• Vehicles with better crash test results lower premiums – Vehicles with good safety scores tend to have lower insurance rates. Safer cars help reduce the chance of injuries in an accident and lower injury rates translates directly to fewer claims which can result in lower premiums.
• Higher premiums for auto insurance lapses – Having a lapse in insurance coverage will be a guaranteed way to increase your rates. And not only will your rates increase, being ticketed for driving with no insurance might get you a steep fine or even jail time.
• Advanced alarms and GPS tracking – Selecting a car model with an alarm system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your vehicle from being stolen.

Can you really save if you switch?

Popular auto insurance providers such as State Farm, Allstate and Geico seem to constantly run ads on TV and radio. All the companies have a common claim about how much you will save if you move to them. How do they all lower your car insurance rates?

All the different companies provide the lowest rates for the type of driver that will generate a profit. A good example of a desirable insured might have to be a female over age 40, has a clean driving record, and drives a vehicle with a low ISO rating. A customer getting a price quote that fits those parameters will probably get the lowest prices as well as save quite a bit of money when switching.

Drivers who do not meet this stringent profile will be quoted a higher rate and this results in business not being written. If you pay close attention to the ads, they say “customers who switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can advertise the way they do.

This emphasizes why you need to get a wide range of price quotes. Because you cannot predict the company that will have the lowest rates.

Car insurance policy specifics

Knowing the specifics of car insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2012 Ford Transit Connect.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability coverage – This coverage protects you from damage that occurs to people or other property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have 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. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as emergency aid, repair costs for stationary objects, attorney fees and bail bonds. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for things like dental work, funeral costs, EMT expenses and nursing services. The coverages 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 if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, hail damage, damage from flooding and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, hitting a parking meter, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

What is YOUR best insurance company?

Discount 2012 Ford Transit Connect insurance can be found both online and from local insurance agents, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance providers do not provide internet price quotes and most of the time these regional carriers prefer to sell through independent insurance agents.

We just covered some good ideas how you can lower your 2012 Ford Transit Connect insurance rates. The key concept to understand is the more companies you get car insurance rates for, the higher your chance of finding cheaper auto insurance. Consumers could even find that the most savings is with the least-expected company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

Other learning opportunities

• Auto Insurance Learning Center (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• What is Covered by GAP Insurance? (Allstate)
• Understanding Car Crashes Video (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)
• Avoiding Deer Collisions (Insurance Information Insitute)