2015 Ford Transit Van Insurance Quotes

Pretty sure you bought an overpriced auto insurance policy? Trust us, there are many drivers thinking the same thing.

There is such a variety of auto insurance companies to insure vehicles with, and even though it’s nice to have a selection, having more insurers makes it harder to find the best rates for your vehicles.

The purpose of this post is to instruct you on the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you will be able to save some money using this information. Although car owners can benefit by having an understanding of the way companies market on the web and apply this information to your search.

How to get affordable car insurance

There are a lot of ways to compare car insurance prices but some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many insurance companies enroll in a system where insurance shoppers send in one quote, and each company returns a rated price based on that data. This eliminates the need for quote forms for each company you want a rate for.

To access this free quoting program, click here to start a free quote.

The one downside to pricing coverage this way is you are unable to specify the insurers you want pricing from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you are using equivalent quote information with every price quote. If you use mixed coverages it will be impossible to decipher which rate is best. Having just a slight variation in insurance coverages could skew the results. And when quoting car insurance, remember that making a lot of price comparisons increases your odds of finding a lower rate than you’re paying now. Not every company does price estimates online, so it’s important to also get quotes from them as well.

Cheaper car insurance rates with discounts

Companies that sell car insurance don’t always publicize all their discounts very clearly, so the next list breaks down both the well known as well as the least known credits available to you. If you check and find you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Good Grades Discount – Being a good student may save you up to 25%. You can use this discount normally until age 25.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the personal injury premium cost.
  • Active Military Service – Having a family member in the military could trigger a small discount.
  • Driver Training Discounts – Taking a class that teaches defensive driver techniques could save 5% or more if your company offers it.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper since new model year vehicles are generally safer.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Sign Online – A handful of car insurance companies will provide an incentive for buying your policy on the web.
  • Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
  • Professional Memberships – Affiliation with qualifying clubs or civic groups can get you a small discount on your next car insurance statement.
  • Policy Bundle Discount – If you have multiple policies with one company you may earn approximately 10% to 15%.

Consumers should know that most discount credits are not given the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky.

A few popular companies and their possible discounts are outlined below.

  • Farm Bureau offers discounts including good student, renewal discount, multi-policy, youthful driver, and 55 and retired.
  • Liberty Mutual has savings for multi-car, newly retired, preferred payment discount, new vehicle discount, hybrid vehicle, newly married, and teen driver discount.
  • State Farm may offer discounts for multiple policy, defensive driving training, multiple autos, Steer Clear safe driver discount, driver’s education, student away at school, and Drive Safe & Save.
  • Auto-Owners Insurance includes discounts for air bags, group or association, multiple vehicles, paid in full, mature driver, company car, and anti-theft.
  • GEICO offers premium reductions for anti-lock brakes, driver training, anti-theft, multi-policy, multi-vehicle, and military active duty.
  • SAFECO may have discounts that include safe driver, multi-car, anti-lock brakes, anti-theft, and drive less.

Before purchasing a policy, check with every company which discounts they offer. Some discounts listed above might not be available to policyholders everywhere. To choose insurance companies with discount car insurance rates, click this link.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • Am I covered if I wreck a rental car?
  • Am I missing any policy discounts?
  • Is my custom paint covered by insurance?
  • Do I need rental car coverage?
  • How much liability do I need to cover my assets?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • I don’t drive much so do I pay less?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage breakdown

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like EMT expenses, ambulance fees, surgery, funeral costs and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays for damage to your Transit Van from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from flooding, damage from getting keyed, a broken windshield and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – This coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like structural damage, court costs, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comments About 2015 Ford Transit Van Insurance

  1. Clifton Cantrell

    Not sure if this is cheap. Quoted with Progressive for my 2015 Ford Transit Van and saved around $440 a year. Was with Auto-Owners. Not sure about claim service.

  2. Gino Mullen

    Corporate greed I’m telling you. I live in Nashua, New Hampshire. Quoted with 21st Century, American Family, and Encompass for my Ford and I’m now saving $19 a month. Good multi-policy discounts. LOL

  3. Tomiko Montgomery

    Live in the southern part of Chicago, Illinois. Received quotes from GEICO, Auto-Owners, Encompass, and Liberty Mutual for my Transit Van and saved just over $260 a year. Was with American Family.

  4. Quinn Pruitt

    I got decent rates for a 2015 Ford Transit Van in Manchester, NH. Ended up at darn near $220 every six months with AIG Insurance. Insured with GMAC before. I’m a pretty good driver though. I used their online quote form to compare rates.

  5. Jaimie Marsh

    If you have a good history and live around Cincinnati, OH, check out Allstate. They seem to be cheaper.

  6. Edna Hancock

    I went with GEICO at renewal. Best rates in Anchorage, AK. I even had a DUI years ago.

  7. Deena Dalton

    I was with Hanover last year but switched to GEICO. Checking in from Saint Louis, Missouri. I’m a pretty low risk driver. LOL

  8. Georgia Haley

    Mine is so expensive. I live on the south side of Montgomery, AL. Quoted quotes from USAA, Amica, GMAC, and Sentry for my Ford and saved just over $320 a year. Left USAA to switch.

  9. Candelaria Gonzales

    Thought I’d throw in my experience. I live north of Springfield, MO. Can’t remember who all I quoted but I ended up saving about $50 each month. Get lots of quotes to find the best rate.

  10. Danielle Mathis

    Does Allstate do SR22s in Mississippi?

  11. Celena Wolf

    Anyone know if Progressive does SR-22s?

  12. Loree White

    Allstate is decent in Cincinnati, OH.

  13. Lewis Murphy

    Mine is so expensive. I live just outside Tucson, AZ. I compared lots of rates. Saved about $40 a month. Progressive was the cheapest option for me. Insured with GMAC before. Teenage drivers are expensive!

  14. Vanda Daugherty

    This is too expensive. I’m in Warren, MI. Don’t remember every company but I ended up saving about $40 each month. Insured with Western Auto Insurance before. I think they have home insurance too. I recommend comparing lots of rates.

  15. Olimpia Wynn

    Quoted with Liberty Mutual for my Ford and am saving around $350 a year. It never hurts to quote around.