Are Your Ford Transit Connect Auto Insurance Rates Too High?

Have you had enough of paying out the nose each month for car insurance? You are no different than many other consumers.

Because there are so many companies to choose from, it is hard for the average consumer to find the lowest price company.

Verify you’re getting all your discounts

Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so we break down both well-publicized and the more hidden savings tricks you should be using.

  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Good Student – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for Transit Connect coverage than drivers with accidents.
  • No Claims – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
  • Life Insurance Discount – Larger companies have a discount if you purchase a life insurance policy as well.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.

Keep in mind that many deductions do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of companies offering auto insurance discounts, click here to view.

Compare Auto Insurance Today

Shopping for lower auto insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You could spend your day talking about coverages with agents in your area, or you could use online quotes to quickly compare rates.

Many popular insurance companies enroll in a system that enables customers to enter their policy data once, and at least one company then gives them pricing based on the submitted data. This eliminates the need for repetitive form submissions for each company you want a rate for.

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

The one disadvantage to doing it this way is you are unable to specify the providers to get quotes from. So if you prefer to choose from a list of companies to compare, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

Whichever way you use, ensure you are comparing apples-to-apples coverage information for each price quote. If your comparisons have different deductibles it will be impossible to determine the best price for your Ford Transit Connect. Having just a slight variation in coverages may result in a large different in cost. And when quoting auto insurance, remember that having more price comparisons will enable you to find the best rates.

Factors that can influence Ford Transit Connect insurance rates

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get better auto insurance rates.

  • Men fork out a little more – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Women and men are in accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like DUI and reckless driving.
  • Small claims can cost you – If you frequently file small claims, you can expect either policy cancellation or increased premiums. Insurance companies provide discounts to policyholders who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores get lower rates. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Ford is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Where you live – Choosing to live in a rural area has it’s advantages when it comes to auto insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas have to deal with congested traffic and longer commute times. More time on the road translates into higher accident risk.
  • Multiple policies with one company can save – Some auto insurance companies give discounts to people who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare other company rates to ensure the best deal. Drivers may still find a better deal by buying auto insurance from a different company.

When should I talk to an agent?

When buying coverage, there really is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether you could use an agent’s help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does coverage extend to a rental car in a foreign country?
  • Is rental equipment covered for theft or damage?
  • Is my teen driver covered when they drive my company car?
  • What should my uninsured motorist coverage limits be in my state?
  • What are no-fault laws?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Buy online or local, you save

When you buy insurance online, you should never buy less coverage just to save a little money. There are many occasions where someone sacrificed liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.

We just presented many ideas to get a better price on Ford Transit Connect insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with a small mutual company. They can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.