Compare 2016 Ford Transit Wagon Car Insurance Quotes

Trying to find cheaper insurance rates for your Ford Transit Wagon? There isn’t anyone who is fond of buying insurance, particularly when the cost is way too high.

Lots of insurance companies contend for your business, so it can be very hard to choose a provider and get the best coverage at the lowest rate possible.

Consumers should take time to shop coverage around before your policy renews because insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal on Transit Wagon coverage six months ago the chances are good that you can find a lower premium rate today. You can find a lot of wrong information about insurance online, but we’re going to give you some good information on how to save money.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. Finding the best rates is not rocket science. Nevertheless, consumers need to learn the methods companies use to determine prices and take advantage of how the system works.

How to buy insurance coverage online

When looking for cheap auto insurance quotes, there are a couple ways to compare rate quotes from many available insurance coverage companies in your state. The simplest method to lower the rate you pay for 2016 Ford Transit Wagon insurance is to get quotes online. This is very easy and can be done in several different ways.

1. If you are pressed for time, the simplest way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This style of form eliminates the need for separate quote forms for every prospective company. In just a few minutes this one form compares rates from insurance coverage companies with the best prices.
2. A slightly less efficient method to get quotes online requires a visit to each company’s website to request a price quote. For examples sake, let’s say you are doing a rate comparison from Auto-Owners, Allstate and Geico. To get each rate you have to navigate to each company’s site and enter your information, which is why first method is reommended. For a list of companies in your area, click here.
3. Even if you have time, the least recommended method to compare price quotes is to spend your day driving to insurance agencies in your area. The ability to get quotes online makes this unnecessary unless you have a need for the professional advice only provided by licensed agents. Although, it is possible comparison shop online and have a local agent actually service the policy.

However you get your quotes, be sure you’re using identical coverage limits and deductibles with every price quote. If you have unequal deductibles or liability limits it will be next to impossible to make an equal comparison. Even a minor difference in limits can mean a large discrepancy in price. It’s important to know that comparing all the rates in your area helps locate more affordable rates. Some insurance companies are not set up to provide rate quotes online, so it’s recommended that you also compare price estimates from them, too.

Drivers can save with with these discounts

Companies don’t always publicize the complete list of policy discounts in a way that’s easy to find, so the following list contains a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online.

• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
• Defensive Driver Discounts – Completing a course teaching driver safety skills could possibly earn you a 5% discount and easily pay for the cost of the class.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and that can save you a little bit as well.
• Auto/Home Discount – When you have multiple policies with the same company you could save nearly 15% which can help you find cheaper auto insurance.
• First Accident Forgiveness – Not necessarily a discount, but some companies like Allstate and Progressive allow you one accident without the usual rate increase if you are claim-free for a set time period.
• Senior Discount – Drivers that qualify as senior citizens may qualify for better insurance rates on Transit Wagon coverage.
• ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents and qualify for as much as a 10% discount.
• Passive Restraint Discount – Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
• Discounts for Safe Drivers – Safe drivers could pay up to 40% less on Transit Wagon coverage than drivers with accident claims.

You can save money using discounts, but most discounts do not apply to the entire cost. Most only reduce individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

If you would like to see a list of insurance companies offering insurance discounts, follow this link.

Six tips to get lower-cost insurance rates

Consumers need to have an understanding of some of the factors that come into play when calculating the level of your policy premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that can help you get cheaper rates.

The items below are some of the items companies use to determine your premiums.

• A good credit score can save money – An insured’s credit history can be an important factor in determining what you pay for auto insurance. People with very good credit scores tend to be less risk to insure than those with lower credit scores. Therefore, if your credit rating leaves room for improvement, you could pay less to insure your 2016 Ford Transit Wagon by spending a little time repairing your credit.
• Location can modify price – Living in areas with lower population can save you money when trying to find low car insurance rates. People in densly populated areas regularly have more auto accidents and a longer drive to work. Fewer drivers and short commutes means less chance of accidents and a lower car theft rate.
• Physical damage deductibles – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of some claims that would be covered are collision with another vehicle, vandalism, and damage caused by flying debris. Physical damage deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. The more damage repair cost you pay before a claim is paid (deductible), the less money you will pay for auto insurance on Transit Wagon coverage.
• Lower rates for cars with good safety ratings – Safer cars tend to have better insurance rates. Vehicles engineered for safety have better occupant injury protection and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Ford Transit Wagon has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
• Extra policy coverages you don’t need – Insurance policies have a lot of additional extra coverages that you can buy if you aren’t careful. Coverage for things like vanishing deductibles, accident forgiveness, and term life insurance may be costing you every month. They may sound like good ideas when talking to your agent, but if they’re wasting money think about removing them and cutting costs.
• Costs also based on gender – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. Both genders cause at-fault accidents in similar numbers, but the men have costlier accidents. Men also tend to get ticketed for serious violations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.

Your situation helps dictate your coverage

When it comes to buying coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you might need an agent’s assistance.

• What vehicles should carry emergency assistance coverage?
• If my 2016 Ford Transit Wagon is totaled, can I afford another vehicle?
• Do I really need UM/UIM coverage?
• Do I have coverage when using my vehicle for my home business?
• How do I buy GAP insurance?
• Should I buy only the required minimum liability coverage?
• Can my teen drive my company car?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Does car insurance advertising bend the truth?

Companies like Progressive, Allstate and Geico continually stream television and radio advertisements. All the ads advertise claims that people will save if you switch to them. Is it even possible that every company can lower your prices? Here is the trick they use.

Different companies quote their cheapest rates for the type of driver that earns them a profit. An example of a profitable customer could be over the age of 50, has no tickets, and drives newer vehicles. A propective insured that matches those criteria receive the lowest rate quotes and will also save a lot of money.

Insureds who fall short of the requirements will be quoted higher rates with the end result being business not being written. The ad wording is “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way companies can make those statements.

Because every company is different, drivers must compare free auto insurance quotes often. Because you never know the company that will provide the lowest prices.

Insurance coverages 101

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses such as EMT expenses, X-ray expenses and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverages

Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as pain and suffering, medical expenses, legal defense fees, funeral expenses and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Transit Wagon.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, a tree branch falling on your vehicle and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage pays for damage to your Transit Wagon caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Pennies from heaven

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. Too many times, someone dropped liability coverage limits and learned later that they should have had better coverage. Your objective should be to buy enough coverage at the best possible price while not skimping on critical coverages.

You just learned a lot of techniques to lower your 2016 Ford Transit Wagon insurance car insurance rates. The most important thing to understand is the more rate quotes you have, the higher your chance of finding cheaper auto insurance. Consumers could even find that the lowest priced insurance coverage comes from a smaller regional carrier. These companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate, Geico and Progressive.

More detailed insurance coverage information can be found at these sites:

• Cellphones, Texting and Driving (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Information for Teen Drivers (Geico)