Cheap 2015 Ford Transit Wagon Insurance Rates

Trying to find lower insurance coverage rates for your Ford Transit Wagon? If you’re trying to find lower-cost insurance online, are you baffled by the dozens of insurance coverage sources available to you? There are so many sources available that it can be a challenge to find a cheaper company.

You should make it a habit to take a look at other company’s rates before your next renewal since prices go up and down regularly. Just because you found the lowest rate for Transit Wagon insurance last year you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re going to learn the proper way to find better rates and still maintain coverage.

If you currently have a car insurance policy, you will be able to save some money using this information. The purpose of this post is to introduce you to how car insurance quotes work. Although vehicle owners can benefit from knowing the way companies market insurance on the web because it can help you find the best coverage.

Six tips to get cheap insurance rates

Many things are part of the calculation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but some are less apparent such as whether you are married or how financially stable you are.Part of the insurance buying process is learning the factors that aid in calculating your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that could result in lower insurance prices.

The following are a few of the “ingredients” companies use to determine your prices.

  • Costs impacted by your city – Living in small towns and rural areas can save you money when it comes to insurance. City drivers regularly have more aggressive driving styles and longer commute times. Less people living in that area translates into fewer accident claims in addition to fewer liability claims.
  • Choose high NHTSA crash test ratings and save – Cars with five star safety ratings tend to have better insurance rates. Vehicles engineered for safety result in less severe injuries and better occupant protection means less claims paid and more competitive rates for policyholders. If your Ford is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Save money with higher physical damage deductibles – Insurance for physical damage, aka comp and collision, covers damage that occurs to your Ford. Examples of covered claims are a broken side mirror, damage from fire, and windstorm damage. Physical damage deductibles are how much you are required to spend out-of-pocket if a claim is determined to be covered. The more you pay before a claim is paid (deductible), the bigger discount you will receive for Transit Wagon insurance.
  • Put fewer miles on your vehicle – The more you drive your Ford in a year’s time the higher the price you pay to insure it. Many insurance companies charge rates based on their usage. Cars that have low annual miles receive lower rates than cars that get driven a lot. A policy that improperly rates your Transit Wagon may be costing you. Ask your agent if your insurance policy reflects the right rating data, because it can save money.
  • Accidents are costly – Having a clean driving record impacts premiums far more than you think. Only having one speeding ticket or other violation can bump up the cost by as much as thirty percent. Attentive drivers get better prices than bad drivers. Drivers who have gotten serious citations such as DUI or willful reckless driving might be required by their state to complete a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
  • How your age affects rates – Youthful drivers are proven to be careless and easily distracted when at the wheel of a vehicle and because of this, their insurance rates are much higher. Having to add a youthful driver onto a policy will cause a huge premium hike. More experienced drivers are more cautious drivers, tend to cause fewer accidents .

Compare auto insurance rates

Most of the larger companies such as Progressive, Allstate and GEICO provide pricing on the web. Comparing prices online is fairly simple as you simply enter your personal and coverage information into the form. Once entered, the company’s rating system collects your driving and credit reports and gives you a price quote based on these factors.

Online price quotes makes it easy to compare insurance prices but the work required to visit a lot of sites and complete many quote forms is a waste of time. But it’s necessary to get many rate quotes in order to find the lowest possible prices on auto insurance.

A better way to find cheaper rates uses one form that gets prices from several different companies. The form is fast, eliminates form submissions, and makes comparison shopping a lot less work. After your information is entered, it is rated and you can choose any one of the returned quotes.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

To compare pricing, simply click here to open in new window and submit the form. To compare your current rates, we recommend you input deductibles and limits as close as possible to your current policy. This way, you will have rate comparison quotes based on the exact same insurance coverage.

You may qualify for discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts that you may not know about. A few discounts will be applied at the time you complete a quote, but a few need to be specially asked for before being credited.

  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts could see savings of more than 20%.
  • Theft Deterent System – Vehicles that have factory anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Government Employees – Being employed by or retired from a federal job may reduce rates when you quote insurance coverage for Transit Wagon insurance with a few insurance coverage companies.
  • Renewal Discounts – Some insurance companies give discounts for renewing your policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance coverage online.
  • Defensive Driver – Completing a driver safety class could save 5% or more and also improve your driving technique.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for substantially lower insurance coveragerates.
  • Payment Discounts – By making one initial payment instead of paying each month you can actually save on your bill.

It’s important to understand that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, companies don’t profit that way.

The best insurance coverage companies and a summarized list of policyholder discounts are:

  • Progressive offers discounts including good student, continuous coverage, homeowner, online signing, and multi-policy.
  • Farmers Insurance discounts include teen driver, early shopping, switch companies, alternative fuel, mature driver, pay in full, and youthful driver.
  • Farm Bureau has savings for youthful driver, multi-vehicle, 55 and retired, safe driver, and good student.
  • State Farm policyholders can earn discounts including multiple policy, good student, student away at school, safe vehicle, defensive driving training, accident-free, and anti-theft.
  • GEICO offers discounts for anti-lock brakes, membership and employees, military active duty, anti-theft, and daytime running lights.
  • SAFECO may include discounts for teen safe driver, accident prevention training, bundle discounts, homeowner, multi-car, safe driver, and drive less.
  • Liberty Mutual offers premium reductions for good student, new move discount, multi-policy, safety features, exclusive group savings, and hybrid vehicle.

Before buying, ask each company which discounts you qualify for. All car insurance discounts might not be offered on policies in every state.

There’s no such thing as the perfect auto insurance policy

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether or not you would benefit from an agent’s advice.

  • At what point should I drop full coverage?
  • How much liability do I need to cover my assets?
  • Why am I required to get a high-risk car insurance policy?
  • Are rock chip repairs covered?
  • Can I afford to buy a different vehicle if my 2015 Ford Transit Wagon is totaled?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if I drive in a foreign country?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

Car insurance coverages for a 2015 Ford Transit Wagon

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Coverage for collisions

Collision insurance pays for damage to your Transit Wagon caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, crashing into a ditch, colliding with a tree, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a deer and theft. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for things like dental work, pain medications and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical services, pain and suffering, structural damage and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Do the work, save more money

Some insurance providers don’t offer the ability to get a quote online regional carriers work with independent insurance agencies. The cheapest 2015 Ford Transit Wagon insurance is possible online in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture.

You just learned some good ideas how you can get a better price on 2015 Ford Transit Wagon insurance. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding the cheapest insurance coverage. Consumers could even find that the biggest savings come from a lesser-known regional company.

Insureds leave their current company for any number of reasons including high prices, delays in responding to claim requests, lack of trust in their agent and even high rates after DUI convictions. It doesn’t matter what your reason, switching auto insurance companies is pretty easy and you might even save some money in the process.

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Comments About 2015 Ford Transit Wagon Insurance

  1. Ethel Durham

    I’m in the suburbs of Newark, DE. Got rates from Amica, Mercury, and some smaller one I can’t remember the name of for my 2015 Ford Transit Wagon and I think I am saving around $40 each month. Was with Nationwide.

  2. Mui Becker

    This is too expensive. I’m in the east part of Knoxville, Tennessee. Quoted prices online for a 2015 Ford Transit Wagon. Ended up at about $320 savings annually. Went with Allstate.

  3. Savanna Bridges

    From northwest of Fairbanks, AK. Got quotes from 21st Century, Auto-Owners, and some I forget for my Transit Wagon and I think I saved about $30 each month. Left The General to switch. I got prices on the web.

  4. Domingo Cole

    Lots of good stuff here. Got a quote with Auto-Owners for my Transit Wagon and saved about $350 a year. They have a lot of discounts available.

  5. Toi Cohen

    Any Allstate or Esurance customers near Minneapolis, MN?

  6. Keneth Yang

    From Tucson, AZ. I quoted with Allstate, Hartford, and Encompass for my 2015 Ford Transit Wagon and saved just over $540 a year. :P

  7. Dwight Matthews

    Will State Farm raise rates after an accident?

  8. Arthur Freeman

    It all costs too much. I’m in the suburbs of Lexington, KY. Can’t remember who all I quoted but I ended up saving about $70 each month. I’m a pretty low risk driver.

  9. Crista Mcmillan

    Well-written and thought out article. I’m in Portland, Oregon. Don’t remember every company but I ended up saving about $70 each month. Was with 21st Century. They have free quotes online.

  10. Kathryn Garrison

    2015 Ford Transit Wagon + Allstate = GOOD RATES!