2018 Ford Transit Van Insurance Quotes

Finding low-cost insurance for a Ford Transit Van could be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates.

There are more efficient ways to find insurance coverage online and we’ll show you the absolute fastest way to compare rates for your Ford and get the best price possible from both online companies and local agents.

You should make it a habit to quote other rates periodically because rates are variable and change quite frequently. Despite the fact that you may have had the lowest rate on Transit van coverage a couple years back you will most likely find a better price today. Ignore everything you know about insurance coverage because we’re going to demonstrate the easiest way to eliminate unnecessary coverages and save money.

These discounts can lower your car insurance rates

Car insurance is neither fun to buy or cheap, but companies offer discounts that you may not even know about. Many of these discounts will be applied automatically at the time of quoting, but occassionally some discounts must be asked about before they will apply.

  • Driving Data Discount – Policyholders that allow companies to study their driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they show good driving skills.
  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get cheaper prices.
  • Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts can save 10% or more off PIP or medical payments premium.
  • Good Grades Discount – This discount can earn a discount of 20% or more. This discount can apply until age 25.
  • Multi-line Discount – Companies who offer life insurance give a lower price if you buy auto and life insurance together.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control prevent accidents and will save you 10% or more.
  • Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and will save you 10% or more.

Don’t be surprised that most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though you would think adding up those discounts means a free policy, companies don’t profit that way.

Car insurance companies that may offer quotes with some of the above discounts are:

When quoting, ask all companies you are considering to apply every possible discount. Savings may not apply in your state.

Ford Transit Van insurance price factors

Many things are used when premium rates are determined. Some factors are common sense like an MVR report, but other criteria are more transparent such as whether you are married or your vehicle rating.Smart consumers have a good feel for some of the elements that come into play when calculating the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that may result in better insurance coverage rates.

The following are just a few of the factors that factor into your rates.

  • Keep insurance coverage claims to a minimum – Car insurance companies give lower rates to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on higher rates. Your car insurance is intended to be relied upon for claims that pose a financial burden.
  • The more you drive the more you pay – The higher the mileage driven every year the higher the price you pay to insure it. A lot of companies calculate prices based upon how the vehicle is primarily used. Cars that sit idle most of the time receive better premium rates than cars that get driven a lot. A policy that improperly rates your Transit Van is just wasting money. Double check that your policy is rated on the correct usage.
  • Optional features that lower prices – Choosing to buy a car that has a built-in theft deterrent system can help lower your premiums. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent vehicle theft.
  • Liability claims can be big – Liability insurance will afford coverage if ever a court rules you are at fault for an accident. Your policy’s liability insurance provides legal defense coverage to defend your case. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not cut corners here.
  • Know your credit rating – Having a bad credit history factor in calculating your insurance coverage rates. So if your credit rating is not that good, you could pay less to insure your 2018 Ford Transit Van by improving your credit score. Insureds that have excellent credit tend to be more responsible and file fewer claims as compared to drivers with poor credit scores.
  • Teen drivers are expensive to insure – Young drivers have been known to be less responsible when behind the wheel and because of this, their insurance coverage rates are much higher. Mature drivers are more responsible, are lower risk to insure .
  • Lower rates for married couples – Having a spouse can get you a discount when shopping for insurance coverage. Having a significant other usually means you are more mature it has been statistically shown that married drivers get in fewer accidents.
  • Consider raising physical damage deductibles – Comp and collision deductibles represent how much money the insured will be required to pay before your insurance coverage pays a claim. Physical damage protection, aka comp and collision, protects your car from damage. Some examples of covered claims are rearending another vehicle, fire damage, and damage caused by road hazards. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be on Transit van coverage.

Different people need different car insurance coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different.

For example, these questions can help discover if your situation may require specific advice.

  • When would I need rental car insurance?
  • What vehicles should carry emergency assistance coverage?
  • Are my friends covered when driving my 2018 Ford Transit Van?
  • Do I need motorclub coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Why am I required to buy liability insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is other people’s property covered if stolen from my vehicle?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Car insurance coverages 101

Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2018 Ford Transit Van.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, hail damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like prosthetic devices, funeral costs, nursing services, ambulance fees and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the 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

Coverage for collisions

Collision coverage covers damage to your Transit Van from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, colliding with a tree, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for liability

This will cover damage or injury you incur to other people or property. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, loss of income and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

One last thing about your coverage

Cheaper 2018 Ford Transit Van insurance is available both online and from local insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not offer the ability to get quotes online and these regional insurance providers sell through local independent agencies.

Throughout this article, we presented some good ideas how to compare 2018 Ford Transit Van insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the most savings is with the smaller companies.

Drivers switch companies for many reasons like denial of a claim, questionable increases in premium, high prices or not issuing a premium refund. Whatever your reason, switching companies is not as hard as you think.

Additional detailed information is available by following these links:

Comments About 2018 Ford Transit Van Insurance

  1. Shana Herman

    Anyone try to read their policy?

  2. Christie Cox

    Any Allstate or Esurance customers near Virginia Beach, VA?

  3. Maryjo Dixon

    Live in the western part of Albuquerque, NM. Checked online prices for a 2018 Ford Transit Van. Ended up at about $240 savings annually. Went with Allstate. Was with Hanover.

  4. Arica Gilmore

    Here’s my quote info. Got a quote with USAA for my Ford and saved around $170 a year. Insured with Progressive before. BTW speeding tickets are not good. I used their online quote form to compare rates.

  5. Laraine Reyes

    I’m in the suburbs of Newark, NJ. Not sure of all the companies but I ended up saving about $30 each month. Not sure if rates are cheaper online or not.

  6. Danika Pollard

    Hope my car insurance gets cheaper. I live just to the north of Kansas City, MO. Can’t remember who all I quoted but I ended up saving about $60 each month. Left Hartford to switch.