View 2019 Ford Transit Van Insurance Quotes in 2024

Finding the cheapest insurance for a Ford Transit Van can be difficult, but you can use the following methods and make it easy.

There is a better way to buy insurance coverage and we’ll show you the absolute fastest way to price shop coverage on a Ford and obtain the lowest possible price from local insurance agents and online providers.

Finding the cheapest auto insurance coverage is quite easy. If you have a current auto insurance policy or need new coverage, you can use this information to shop for the lowest rates while maximizing coverage. Drivers just need to know how to compare price quotes online.

More affordable rates with discounts

Some providers do not advertise the complete list of policy discounts in an easy-to-find place, so we break down a few of the more common and the harder-to-find credits available to bring down your rates. If you’re not getting every credit available, you could be paying more than you need to.

• Payment Method – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
• Savings for New Vehicles – Buying a new car instead of a used car can cost up to 25% less since newer vehicles are generally safer.
• Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
• Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.

It’s important to note that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To locate insurers with the best discounts, enter your zip code here.

What is the best car insurance coverage?

When choosing coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that might point out if your situation would benefit from professional advice.

• Can my teen drive my company car?
• Is my 2019 Ford Transit Van covered for flood damage?
• What is the difference between comprehensive and collision coverage?
• Do I need rental car coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Am I missing any policy discounts?
• Can I get a multi-policy discount?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out your zip code. It is quick, free and you can get the answers you need.

Will you really save $418 on insurance?

Consumers can’t ignore all the ads that claim the lowest prices from the likes of GEICO, State Farm and Progressive. They all make an identical promise that drivers will save a bundle just by switching your coverage.

How is it plausible that every one can sell you cheaper insurance coverage? This is how they do it.

All companies offer their best rates for the driver that will add to their bottom line. One example of a profitable risk profile should be between the ages of 40 and 55, has never had a claim, and drives less than 7,500 miles a year. Any customer that matches those criteria will most likely get cheap prices and is almost guaranteed to save a lot of money.

Consumers who do not fit these stringent criteria will see more expensive rates which leads to business going elsewhere. The ads state “customers who switch” not “all people who quote” save that kind of money. This is how companies can state the savings.

This really emphasizes why drivers should compare rate quotes every year. It is just not possible to predict which company will give you lower rates than your current company.

The coverage is in the details

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, a tree branch falling on your vehicle, a broken windshield, damage from a tornado or hurricane and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage pays for damage to your Transit Van resulting from a 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 things such as crashing into a building, driving through your garage door, damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Transit Van.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability

This coverage protects you from damage that occurs to other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, pain and suffering, legal defense fees and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like chiropractic care, pain medications and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to 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

Shop around and save

People switch companies for any number of reasons including policy cancellation, not issuing a premium refund, extreme rates for teen drivers and high prices. Whatever your reason, finding the right car insurance provider can be easier than you think.

We just presented many ways to reduce 2019 Ford Transit Van insurance auto insurance rates online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best auto insurance rates are with a company that doesn’t do a lot of advertising.

When getting car insurance quotes online, it’s very important that you do not buy poor coverage just to save money. There have been many situations where an insured dropped full coverage and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at the best cost.