Cheaper 2023 Ford Transit Connect Insurance Quotes in 2024

Tired of being strong-armed to make your insurance coverage payment? You have the same problem as many other drivers.

Insurance companies such as State Farm, Progressive and GEICO constantly bombard you with fancy advertisements and it is difficult to see past the geckos and flying pigs and find the best price available.

Discounts can really help lower premiums

Some providers do not advertise every discount very well, so the following list contains a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.

• Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Transit Connect coverage with some insurance companies.
• Discount for Switching Early – Select larger companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.
• Military Discounts – Being deployed in the military can result in better insurance rates.
• Auto/Home Discount – If you can combine your home and auto policy with one insurance company you could earn a discount of up to 20% and get you low cost insurance coverage.
• Sign Online – A few larger online companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

It’s important to understand that most credits do not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

Some companies who may offer most of the discounts above may include but are not limited to:

• Travelers
• 21st Century
• State Farm
• GEICO
• SAFECO
• AAA

If you need low cost insurance coverage quotes, ask all the companies which discounts can lower your rates. All car insurance discounts may not apply to policies in your area.

The quickest method to compare rate quotes is to understand all the major auto insurance companies participate in online systems to compare rate quotes. The only thing you need to do is provide information including driver details, how much coverage you want, whether or not you need a SR-22, and your credit rating estimate. Your insurance information gets sent immediately to multiple top-rated companies and they respond with quotes with very little delay.

To compare multiple company rates now, click here and see if a lower rate is available.

Will just any policy work for me?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique so your insurance should reflect that For example, these questions can help discover whether you would benefit from professional advice.

• Are there companies who specialize in insuring high-risk drivers?
• How much underlying liability do I need for an umbrella policy?
• Do I need special endorsements for business use of my vehicle?
• Is a blown tire covered by insurance?
• Am I covered if I drive in a foreign country?
• Am I covered if I hit my neighbor’s mailbox?
• Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out your zip code.

Information about specific coverages

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on most car insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance

Liability insurance can cover damage that occurs to other people or property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability insurance covers claims such as structural damage, repair bills for other people’s vehicles, medical expenses, emergency aid and funeral expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from getting keyed. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for prosthetic devices, rehabilitation expenses and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

This coverage pays for damage to your Transit Connect resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, driving through your garage door, hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Money doesn’t grow on trees

We’ve covered a lot of information how to get a better price on 2023 Ford Transit Connect insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the biggest savings come from some of the smallest insurance companies. They may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.

As you quote insurance coverage, you should never reduce coverage to reduce premium. There have been many cases where an insured dropped collision coverage only to regret at claim time that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.