Lower Your 2015 Ford Transit Van Insurance Quotes

Trying to find better auto insurance rates for your Ford Transit Van? Having to pay for overpriced auto insurance can overdraw your checking account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. Numerous car insurance companies battle for your business, so it can be very hard to choose a insurer and get the definite best price available.

You should take the time to do rate comparisons before your policy renews because insurance rates are constantly changing. Even if you got the best deal for Transit van coverage two years ago you may be paying too much now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the best way to lower your rates without sacrificing coverage.

Cut prices on Ford Transit Van insurance

Insuring your vehicles can cost a lot, but companies offer discounts that many people don’t even know exist. Most are applied when you get a quote, but lesser-known reductions have to be specifically requested prior to getting the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Multiple Vehicles – Buying coverage for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Bundle and Save – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Transit van coverage.
  • Claim Free – Drivers who don’t have accidents can save substantially when compared with frequent claim filers.
  • Driver Safety – Taking a driver safety course could save 5% or more depending on where you live.
  • Own a Home – Being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.
  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will reduce your overall premium however.

Companies that possibly offer these benefits include:

Before buying, ask each company how you can save money. Discounts may not be available in your area.

Quick Car Insurance Quotes

Getting a cheaper price on 2015 Ford Transit Van insurance isn’t really that difficult. Just take a couple of minutes comparing price quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

One of the best ways consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This form eliminates the need for separate quotation requests for every car insurance company. Just one form compares rates direct from many companies.

A more time consuming way to get quotes online requires you to visit each individual company website and complete a new quote form. For example, we’ll assume you want to compare Farmers, 21st Century and American Family. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, double check that you are using exactly the same coverages and limits with each company. If you enter higher or lower deductibles then you won’t be able to determine the lowest rate for your Ford Transit Van.

These factors can influence Ford Transit Van insurance rates

Consumers need to have an understanding of the different types of things that play a part in calculating your auto insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Add-on coverages can add up – There are quite a few extra coverages that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and motor club memberships may be costing you every month. These coverages may sound good initially, but if you don’t need them get rid of them and save.
  • Protect yourself with liability coverage – Liability coverage provides coverage if you are found liable for causing damage or personal injury in an accident. It provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Always keep insurance in force – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance will get you a revoked license or a big fine.
  • Frequent auto insurance claims increase rates – Insurance companies give better rates to people who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is intended to be relied upon for larger claims.
  • Discounts for multiple policies – Many insurance companies will give a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. If you currently are using one company, you still need to comparison shop to ensure the best deal. You may still find better rates by buying auto insurance from a different company.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions can aid in determining if your situation might need an agent’s assistance.

  • Is my custom paint covered by insurance?
  • Can I drive in Mexico and have coverage?
  • Is my teenager covered with friends in the car?
  • Does my insurance cover my expensive audio equipment?
  • How can I get high-risk coverage after a DUI?
  • Is my camper covered by my car insurance policy?
  • Will filing a claim cost me more?

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 this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Specific coverages for a 2015 Ford Transit Van

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, damage from getting keyed, theft and a broken windshield. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, emergency aid and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Collision coverage protection

This pays for damage to your Transit Van resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, hitting a parking meter, colliding with a tree, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for surgery, X-ray expenses, rehabilitation expenses and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Shop smart and save

Budget-conscious 2015 Ford Transit Van insurance can be purchased online as well as from independent agents, so compare prices from both to have the best rate selection. A few companies don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you some good ideas how to compare insurance prices online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest priced insurance coverage comes from the smaller companies. These companies often have lower prices on specific markets as compared to the big name companies such as GEICO and State Farm.

Much more information about insurance coverage can be read at the links below