How Much Does 2014 Ford Transit Connect Car Insurance Cost?

Are you burned out from being strong-armed to keep your car insured? You’re in the same situation as millions of other drivers.

Multiple insurers compete for your business, so it’s not easy to compare every insurance company and get the best coverage at the cheapest price

It is always a good idea to do price comparisons before your next renewal because prices change regularly. Even if you think you had the lowest rates on Transit Connect insurance last year the chances are good that you can find a lower rate quote today. Block out anything you think you know about auto insurance because we’re going to show you the tricks you need to know to find lower rates on auto insurance.

Buy auto insurance online

When shopping for auto insurance there are multiple ways to compare prices from many available auto insurance companies in your state. The easiest way by far to do a complete rate comparison is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

1. If you don’t have a lot of time, the easiest way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do separate quotes for every prospective company. In just a few minutes this one form gets rate comparisons instantly.
2. A different way to analyze rates requires visiting the website of each company and repeat the quote process again and again. For examples sake, let’s assume you want to see prices from Allstate, State Farm and Farmers. You would have to navigate to each company’s site to input your insurance information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.
3. The most difficult way to get price estimates is physically going to insurance agencies in your area. Shopping for auto insurance online has made agencies unnecessary unless you want the professional guidance of a licensed agent. Drivers can comparison shop your insurance online but still have the advice of a local agent.

Whichever way you choose to compare rates, try to use the exact same deductibles and coverage limits with every price quote. If you are comparing unequal deductibles or liability limits you will not be able to determine the lowest rate for your Ford Transit Connect. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that comparing more quotes will improve the odds of getting a better price.

It’s not one size fits all

When buying the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might point out whether you would benefit from professional advice.

• Are my friends covered when driving my car?
• If my 2014 Ford Transit Connect is totaled, can I afford another vehicle?
• Where can I find DUI or SR-22 insurance?
• How high should my medical payments coverage be?
• Does my car insurance cover rental cars?
• Am I covered when driving in Canada or Mexico?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why is insurance for a teen driver so high?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Coverage specifics

Having a good grasp of a insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Collision coverage protection

Collision coverage will pay to fix damage to your Transit Connect resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for things like ambulance fees, dental work and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2014 Ford Transit Connect.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are set the same as your liablity limits.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, vandalism, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

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

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, medical services, loss of income and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.