2016 Ford Transit Wagon Insurance Quotes in 2024

Saving money on Driversauto insurance may be difficult for drivers who are beginners to online insurance quotes. With so many options of companies in the marketplace, it can easily turn into a difficult situation to find more affordable rates.

It’s a great practice to check auto insurance prices on a regular basis because auto 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 last year you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to how to use online quotes to find great coverage at a great price.

Finding the best rates is easy if you know what you’re doing. Just about everyone who is shopping for car insurance will be able to lower their premiums. But car owners do need to understand how the larger insurance companies compete online and use this information to your advantage.

Do you qualify for discounts?

Car insurance companies don’t list every possible discount in an easy-to-find place, so the next list breaks down some of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance online.

• Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote insurance on Transit Wagon coverage with a few auto insurance companies.
• Good Driver Discounts – Insureds who avoid accidents can pay as much as 50% less on Transit Wagon coverage than less cautious drivers.
• Switch and Save Discount – A few insurance companies give discounts for renewing your policy before your current expiration date. You can save around 10% with this discount.
• Paperless Signup – Some insurance companies provide a small discount for buying your policy on your computer.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% on medical payment and PIP coverage.
• Senior Citizen Rates – If you’re over the age of 55, you can get lower premium rates on Transit Wagon coverage.
• Own a Home – Being a homeowner can earn you a little savings since home ownership requires personal responsibility.
• Discounts for Multiple Vehicles – Insuring multiple vehicles with the same company can get a discount for every vehicle.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a insurance quote.

A little disclaimer on discounts, most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, that’s just not realistic.

Popular auto insurance companies and some of their more popular discounts are outlined below.

• 21st Century policyholders can earn discounts including driver training, good student, automatic seat belts, theft prevention, and anti-lock brakes.
• State Farm may offer discounts for good driver, student away at school, good student, multiple policy, defensive driving training, Steer Clear safe driver discount, and anti-theft.
• AAA discounts include education and occupation, good student, multi-policy, anti-theft, and good driver.
• Liberty Mutual has discounts for good student, new graduate, preferred payment discount, exclusive group savings, multi-car, and new vehicle discount.
• Progressive offers discounts for online quote discount, homeowner, multi-vehicle, online signing, multi-policy, and continuous coverage.

It’s a good idea to ask every company to apply every possible discount. Some discounts listed above might not apply in your area. To locate insurance companies that offer some of these discounts, enter your zip code here.

Don’t assume everyone needs the same insurance coverage

When it comes to choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions might point out whether or not you would benefit from an agent’s advice.

• How do I buy GAP insurance?
• Does insurance cover damages from a DUI accident?
• Are all vehicle passengers covered by medical payments coverage?
• What is an SR-22 filing?
• Do I pay less if my vehicle is kept in my garage?
• Should I file a claim if it’s only slightly more than my deductible?
• When should my teen driver be added to my policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Educate yourself about insurance coverages

Understanding the coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive auto coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, theft, damage from flooding and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability – This coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things such as bail bonds, pain and suffering, emergency aid, repair costs for stationary objects and medical services. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Transit Wagon.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for X-ray expenses, ambulance fees, prosthetic devices, chiropractic care and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – This pays to fix your vehicle from damage from colliding 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 claims like sideswiping another vehicle, driving through your garage door, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Do the work, save more money

People switch companies for many reasons like not issuing a premium refund, denial of a claim, lack of trust in their agent and delays in responding to claim requests. Whatever your reason, finding a new company is actually quite simple.

As you prepare to switch companies, never reduce needed coverages to save money. In many cases, drivers have reduced liability limits or collision coverage only to find out they didn’t have enough coverage. The goal is to purchase plenty of coverage at the best possible price and still be able to protect your assets.

In this article, we covered quite a bit of information on how to lower your 2016 Ford Transit Wagon insurance rates. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may even discover the biggest savings come from a small local company.