2017 Ford Transit Van Insurance Rates – 6 Tips for Cheaper Quotes

Trying to come up with a payment for high-priced car insurance can diminish your bank account and make it tough to pay other bills. Many insurance companies vie for your business, so it’s not easy to compare every insurance company and get the best coverage at the cheapest price

It is always a good idea to shop coverage around every six months because car insurance prices are variable and change quite frequently. Even if you got the lowest quotes for Transit van coverage on your last policy there is a good chance you can find better rates now. Forget all the misinformation about car insurance because it’s time to teach you one of the best ways to find lower rates on car insurance.

Ways to get auto insurance price quotes

There are a variety of methods to compare auto insurance prices but one way is less time-consuming than others. You could waste a few hours talking to agents in your area, or you could save time and use online quoting to get the quickest rates.

Most of the larger companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company can give them a price based on that data. This system prevents you from having to do form submissions for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

The only drawback to comparing rates this way is you don’t know exactly the companies you want pricing from. If you prefer to choose from a list of companies to compare rates, we have a page of low cost auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just do your best to use the same deductibles and coverage limits for each price quote. If you are comparing mixed coverages it will be nearly impossible to determine which company has the best rates.

Get lower-cost insurance coverage with discounts

Insurance can be prohibitively expensive, but there could be available discounts that may help make it more affordable. Certain discounts will be applied at the time of purchase, but once in a while a discount must be specifically requested before being credited.

• Safe Driver Discounts – Drivers who avoid accidents can save up to 40% or more on their insurance quote for Transit van coverage than their less cautious counterparts.
• Driving Data Discount – Policyholders that allow driving data submission to scrutinize vehicle usage by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they are good drivers.
• Government Employees – Federal government employees can earn a discount up to 10% for Transit van coverage depending on your insurance coverage provider.
• Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
• Professional Memberships – Having an affiliation with a qualifying organization could trigger savings on your next renewal.
• Active Military Service – Being deployed in the military may qualify for rate reductions.

It’s important to understand that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. But any discount will help reduce your insurance coverage premiums.

If you would like to choose from a list of companies who offer free insurance coverage quotes, click here to view.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

• Will I be non-renewed for getting a DUI or other conviction?
• What discounts do I qualify for?
• Where can I find high-risk insurance?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered if hit by an uninsured driver?
• How do I insure my teen driver?
• How do I file an SR-22 for a DUI in my state?
• Does coverage extend to Mexico or Canada?
• Are split liability limits better than a combined single limit?

If you’re not sure about those questions but a few of them apply, you may need to chat with 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. It only takes a few minutes and you can get the answers you need.

Insurance specifics

Having a good grasp of a insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.

Coverage for liability

This coverage will cover damage that occurs to other people or property. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as loss of income, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills such as pain medications, nursing services, EMT expenses, prosthetic devices and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Ford Transit Van.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, backing into a parked car, damaging your car on a curb, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Buy Smart and Save

Throughout this article, we presented a lot of tips how to get a better price on 2017 Ford Transit Van insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of getting inexpensive insurance. Consumers could even find that the lowest rates are with a smaller regional carrier. Smaller companies may only write in your state and offer lower car insurance rates than their larger competitors like Geico and State Farm.

Cheaper auto insurance can be found both online and from local insurance agents, so get free insurance quotes from both of them to get a complete price analysis. Some insurance providers do not offer online price quotes and many times these regional insurance providers provide coverage only through local independent agents.

For more information, take a look at the articles below:

• Child Safety Seats (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Auto Insurance Basics (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)