2017 Ford Transit Wagon Car Insurance Rates – 6 Tips to Save

Looking for better insurance coverage rates for your Ford Transit Wagon? Finding better insurance prices for a new or used Ford Transit Wagon can turn out to be a lot of work, but you can learn these tips to save time.

There are more efficient ways to compare insurance coverage rates and we’ll show you the best way to get price quotes for a Ford and locate the cheapest rates from both online companies and local agents.

Quote auto insurance online

Effectively comparing auto insurance prices can be a daunting task if you aren’t aware of the best way to get rate quotes. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could save time and use the web to maximize your effort.

Many companies participate in an industry program that enables customers to only type in their quote data once, and at least one company returns a competitive quote for coverage. This eliminates the need for form submissions to every company.

To compare rates using this form now click here to open in new window.

One minor caviat to comparing rates this way is that you can’t choose which companies you want pricing from. If you prefer to choose individual companies to compare rates, we have assembled a list of auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just try to keep apples-to-apples coverages and limits for each comparison quote. If you are comparing different limits and deductibles on each one you will not be able to determine the lowest rate for your Ford Transit Wagon.

Drivers who switch save $482 a year? Really?

Drivers get pounded daily by advertisements that promise big savings for switching by companies like Progressive, Allstate and Geico. All the ads convey the message that you’ll save big if you switch to them.

It sounds good, but how can they all make the same claim? This is the way they can do it.

Different companies have specific characteristics for the type of driver that is profitable for them. An example of a preferred risk could be married and over the age of 30, carries full coverage, and has a short commute. Any person that matches those criteria will probably get the lowest premium rates and therefore will cut their rates if they switch.

Consumers who don’t measure up to the requirements will probably have to pay higher rates with the end result being the customer buying from someone else. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” save that much. That’s why insurance companies can confidently state the savings.

This really illustrates why you really should compare rate quotes every year. It is just not possible to predict which insurance companies will provide you with the cheapest premium rates.

Auto insurance policy discounts you can’t miss

Auto insurance is not cheap nor is it fun to buy but you might find some hidden discounts to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be asked about before being credited. If you are not receiving all the discounts you deserve, it’s possible you qualify for a lower rate.

• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Telematics Devices – People who choose to allow their company to monitor driving patterns by installing a telematics device such as Progressive’s Snapshot might see lower rates if they show good driving skills.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
• Auto/Home Discount – When you combine your home and auto insurance and place coverage with the same company you could get a discount of over 10 percent off each policy depending on the company.
• Good Students Pay Less – Excelling in school can earn a discount of 20% or more. This discount can apply up to age 25.
• No Charge for an Accident – This one isn’t a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

For a list of insurers that offer multiple discounts, click this link.

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether you will benefit from professional help.

• Can I still get insurance after a DUI?
• Do I have newly-aquired coverage?
• How do I buy GAP insurance?
• How much liability insurance is required?
• I have health insurance so do I need medical payments coverage?
• Are my friends covered when driving my 2017 Ford Transit Wagon?
• Are rental cars covered under my policy?
• Does car insurance cover theft of personal property?
• Where can I find DUI or SR-22 insurance?
• Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Information about specific coverages

Knowing the specifics of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage 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 things like hail damage, rock chips in glass and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for EMT expenses, rehabilitation expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

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 claims include injuries to you and your family and damage to your Ford Transit Wagon.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability

Liability coverage protects you from damages or injuries you inflict on people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like attorney fees, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

The best insurance company isn’t always the cheapest

Insureds leave their current company for a number of reasons such as policy non-renewal, delays in responding to claim requests, denial of a claim and even lack of trust in their agent. Whatever your reason, switching insurance coverage companies is not as difficult as it may seem.

The cheapest 2017 Ford Transit Wagon insurance can be purchased online in addition to local insurance agencies, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and these regional insurance providers sell through independent agencies.

You just learned many tips how you can get a better price on 2017 Ford Transit Wagon insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest prices come from the least-expected company.

Much more information about insurance coverage can be found below:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)