Lower Your 2013 Ford Transit Connect Car Insurance Quotes

Searching for better insurance prices for a Ford Transit Connect can be difficult, but you can learn the following methods to save time.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the quickest way to get price quotes on a Ford and get the best price possible either online or from local insurance agents.

How insurance companies determine Ford Transit Connect insurance prices

Many factors are part of the equation when pricing auto insurance. Some are obvious such as your driving history, although some other factors are more obscure such as your credit history or how safe your car is.A large part of saving on insurance coverage is knowing the factors that come into play when calculating your insurance coverage rates. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower premium levels.

The itemized list below are some of the most common factors used by insurance companies to determine your prices.

  • Marriage is a factor – Having a spouse actually saves money on your insurance coverage bill. It means you’re more responsible and statistics show married drivers tend to file fewer claims.
  • High coverage deductibles equal low rates – The deductibles are how much you are required to spend out-of-pocket if you file a covered claim. Protection for physical damage, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are collision with another vehicle, animal collisions, and damage from wind. The more money you’re willing to pay, the bigger discount you will receive for Transit Connect insurance.
  • Your address can push rates up or down – Having an address in small towns and rural areas has definite advantages when shopping for auto insurance. Urban drivers tend to have more road rage incidents and longer commute times. Less people translates into fewer accident claims as well as less vandalism and auto theft.
  • File insurance claims and pay more – If you frequently file small claims, you shouldn’t be surprised to get higher premiums or even policy non-renewal. Companies award cheaper rates to policyholders who are not frequent claim filers. Your insurance policy is intended for claims that pose a financial burden.
  • Save money by having multiple policies – Some insurers will give a discount to customers that buy multiple policies such as combining an auto and homeowners policy. Even though this discount sounds good, drivers will still want to comparison shop to ensure the best deal. It’s possible to still save money by buying insurance from more than one company.

Insurance coverage policy discounts

Car insurance can cost a lot, but you may qualify for discounts that many people don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but occassionally some discounts must be specially asked for before they will apply.

  • Theft Deterent – Vehicles with anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • E-sign Discounts</strong – Certain larger companies may give you up to $50 for buying your policy digitally online.
  • Resident Student – Kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Driver Training Discounts – Completing a driver safety class could earn you a small percentage discount if your company offers it.
  • Claim Free – Claim-free drivers have much lower rates when compared to accident-prone drivers.
  • Payment Method – By making one initial payment as opposed to paying monthly you may reduce your total bill.
  • Driver Education Discount – Teen drivers should enroll in driver’s education as it can save substantially.
  • Savings for New Vehicles – Adding a new car to your policy can save you some money because new model year vehicles have to meet stringent safety requirements.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could earn cheaper premium rates.

We need to note that most credits do not apply the the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

To view insurance coverage companies with discount insurance coverage rates, click here.

How do I know if I need professional advice?

When buying coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether or not you could use an agent’s help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Why am I required to buy liability insurance?
  • Why do I only qualify for high-risk insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why do I need rental car insurance?
  • How much can I save by bundling my policies?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Learn about insurance coverages for a 2013 Ford Transit Connect

Having a good grasp of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people. It does not 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 policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair bills for other people’s vehicles, bail bonds and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, damage from a tornado or hurricane, rock chips in glass, falling objects and hail damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance covers damage to your Transit Connect from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, crashing into a building, crashing into a ditch, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for funeral costs, hospital visits, prosthetic devices, EMT expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan 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. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Transit Connect.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

More comparisons equals lower rates

We just covered a lot of ways to shop for 2013 Ford Transit Connect insurance online. It’s most important to understand that the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. You may even find the best rates are with a small local company.

Discount 2013 Ford Transit Connect insurance can be found both online as well as from insurance agents, so get free auto insurance quotes from both of them to get a complete price analysis. Some insurance providers do not provide price quotes online and usually these regional carriers work with independent agencies.

When getting auto insurance quotes online, never skimp on critical coverages to save a buck or two. There are many occasions where someone dropped full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

Additional car insurance information can be found at the links below

Comments About 2013 Ford Transit Connect Insurance

  1. Jeannine Chapman

    I’m in Philadelphia, PA, and State Farm rates were affordable.

  2. Lajuana Conley

    For me, State Farm was by far the cheapest in Springfield, MO.

  3. Glen Robles

    Any Progressive or Farmers customers near Worcester, MA?

  4. America Hanson

    Lifelong resident of Paterson, New Jersey. I got free rates from Auto-Owners, MetLife, and some smaller one I can’t remember the name of for my Ford and saved around $190 a year. Was with Liberty Mutual. Thankfully I have a good driving record.

  5. Odis Kerr

    Does Georgia have minimum liability laws?

  6. Danita Gibbs

    I got decent rates for a 2013 Ford Transit Connect in San Antonio, TX. Ended up at about $340 every six months with AIG Insurance.

  7. Patrick Mcintosh

    From Idaho Falls, Idaho. Went online for free insurance quotes for a 2013 Ford Transit Connect. Ended up at about $530 savings annually. Went with 21st Century. Teenage drivers are expensive!