The best way we recommend to find discount Ford Transit Connect insurance is to make a habit of comparing prices annually from providers who sell insurance in San Francisco. This can be done by completing these steps.
Step 1: Get a basic knowledge of how auto insurance works and the measures you can take to keep rates in check. Many rating criteria that cause rate increases like speeding tickets, careless driving and bad credit can be controlled by improving your driving habits or financial responsibility. Continue reading for more details to help reduce premium rates and find additional discounts you may qualify for.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple companies.
Step 3: Compare the quotes to your existing coverage to see if cheaper Transit Connect coverage is available. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Give notification to your agent or company to cancel your current coverage. Submit a completed policy application and payment to the new company. Don’t forget to store the certificate of insurance with your vehicle’s registration.
A good tip to remember is to try to compare identical deductibles and limits on every price quote and and to get price quotes from as many different insurance providers as possible. Doing this provides an apples-to-apples comparison and the best price quote selection.
Sadly, the vast majority of insurance customers kept buying from the same company for four years or more, and 38% of drivers have never compared rates from other carriers. Drivers in California could cut their rates by 35% a year by just comparing quotes, but they just feel it’s too hard to shop their coverage around.
If you’re already insured or just want cheaper coverage, you can follow these tips to cut your premiums without reducing protection. The intent of this article is to introduce you to the best ways to compare prices and also save some money in the process Drivers just have to understand the quickest method to get comparison rates instantly.
The quickest method to compare rate quotes for Ford Transit Connect insurance in San Francisco is to know the trick all the major auto insurance companies allow for online access to compare their rates. To get started, all you need to do is provide a small amount of information like driver ages, if a SR-22 is needed, types of safety features, and level of coverage desired. Your information is instantly submitted to many highly-rated insurers and you get price estimates instantly to find the best rate.
If you would like to start a quote now, click here and find out if you can get cheaper insurance in San Francisco.
The following companies provide price quotes in California. If multiple companies are listed, we suggest you get price quotes from several of them to find the most competitive car insurance rates.
Insurance rate breakdown
The coverage information shown below outlines different prices for Ford Transit Connect models. Learning how insurance rates are calculated is important to be able to make informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Transit Connect XL 2WD||$158||$354||$464||$28||$138||$1,142||$95|
|Transit Connect XLT 2WD||$158||$354||$464||$28||$138||$1,142||$95|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can alter premium rates significantly.
The chart below shows how choosing a deductible and can impact Ford Transit Connect yearly insurance costs for different age groups. The prices are based on a single female driver, comp and collision included, and no discounts are applied to the premium.
Safe drivers pay less for insurance
The chart below illustrates how speeding tickets and at-fault collisions can raise Ford Transit Connect insurance costs for different insured age categories. The prices are based on a married male driver, full coverage, $100 deductibles, and no discounts are factored in.
Why car insurance is not optional
Despite the high cost of buying insurance for a Ford Transit Connect in San Francisco, maintaining insurance may be required for several reasons.
First, just about all states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your car has a loan, most banks will make it mandatory that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank will be required to insure your Ford at a much higher rate and require you to fork over the higher premium.
Third, car insurance preserves not only your car but also your financial assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of having insurance outweigh the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver overpays more than $700 annually so shop around once a year at a minimum to be sure current rates are still competitive.
Find Lower-cost Car Insurance with These Tips
When buying car insurance it’s important to understand the factors that help determine your premiums. If you know what determines base rates, this helps enable you to make changes that will entitle you to big savings. Many different elements are considered when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are not quite as obvious such as whether you are married or your commute time.
- Higher physical damage deductibles cost less – Deductibles for physical damage are how much you are required to spend if a claim is determined to be covered. Protection for physical damage, also called ‘full coverage’, protects your car from damage. A few examples of covered claims would be colliding with a stationary object, fire damage, and damage from wind. The higher the amount the insured has to pay upfront, the bigger discount you will receive.
Teenagers are high risk – Older, more experienced drivers are more responsible, cost insurance companies less in claims, and get fewer tickets. Young drivers tend to be easily distracted behind the wheel therefore car insurance rates are much higher.
The data below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Why do you need liability insurance? – The liability section of your policy kicks in in the event that you are responsible for physical damage or personal injury to other. It will provide legal defense starting from day one. Liability insurance is quite affordable compared to comp and collision, so drivers should carry high limits.
- Your occupation may affect prices – Careers like military personnel, air traffic controllers, and stock brokers tend to have higher premium rates due to high stress levels and long work days. On the other hand, careers such as actors, engineers and the unemployed generally pay rates lower than average.
- Having a spouse can lower rates – Having a significant other can actually save you money on your policy. Having a significant other means you’re more mature than a single person and it’s proven that drivers who are married file infrequent claims.
- Eliminate extra policy coverages – There are a lot of extra bells and whistles that can waste your money but may not be useful. Insurance for coverage for rental cars, death and dismemberment, and extra life insurance coverage may be wasting your money. The coverages may be enticing when buying your policy, but your needs may have changed so get rid of them and save.
When in doubt talk to an agent
When quoting and comparing coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.
For instance, these questions might help in determining whether you could use an agent’s help.
- When would I need rental car insurance?
- Can my babysitter drive my car?
- If my Ford Transit Connect is totaled, can I afford another vehicle?
- Is borrowed equipment or tools covered if stolen or damaged?
- When would I need additional glass coverage?
- Am I covered when driving a rental car?
If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.
Cheaper insurance is a realistic goal
Drivers leave their current company for any number of reasons including not issuing a premium refund, an unsatisfactory settlement offer, policy non-renewal and even denial of a claim. No matter why you want to switch, finding a new company is less work than it seems.
Budget-conscious Ford Transit Connect insurance can be purchased both online and with local San Francisco insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and most of the time these regional carriers prefer to sell through local independent agents.
We’ve covered many tips how you can shop for Ford Transit Connect insurance online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the best price on insurance is with an unexpected company.
More detailed insurance information can be found in these articles:
- Things to Know Before you Cancel Insurance (Allstate)
- Who Has the Cheapest Car Insurance Rates with Multiple Speeding Tickets in San Francisco? (FAQ)
- Who Has Cheap San Francisco Car Insurance Rates for Government Employees? (FAQ)
- Who Has Cheap San Francisco Auto Insurance Quotes for a School Permit? (FAQ)
- What Insurance is Cheapest for Infrequent Drivers in San Francisco? (FAQ)
- Who Has Cheap San Francisco Car Insurance for Safe Drivers? (FAQ)
- Who Has the Cheapest San Francisco Car Insurance Rates for a Nissan Sentra? (FAQ)
- Who Has Cheap Auto Insurance for a Honda CR-V in San Francisco? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)
- Bodily Injury Coverage (Liberty Mutual)