2015 Ford Transit Van Insurance Rates

Trying to find cheaper insurance for a Ford Transit Van could be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to buy auto insurance and you need to know the quickest way to quote coverages for a new or used Ford and obtain the best price possible either online or from local insurance agents.

Smart consumers take time to do rate comparisons yearly because rates are variable and change quite frequently. Just because you found the best rates on Transit van insurance a few years ago you can probably find a better price now. Block out anything you think you know about auto insurance because you’re about to learn the right way to properly buy coverages while reducing your premium.

Vehicle Insurance Comparison

Reducing your 2015 Ford Transit Van insurance rates is actually quite simple. Just invest a few minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done in several different ways.

One of the best ways to find low rates would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do separate forms to each individual car insurance company. One form will get you price quotes from multiple companies. It’s the fastest way to compare.
A more difficult way to shop for car insurance online requires a visit to each individual company website and fill out their own quote form. For examples sake, let’s say you want to compare State Farm, Progressive and American Family. To get each rate you have to visit each site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using identical information for each comparison quote. If you use higher or lower deductibles then you won’t be able to determine the lowest rate for your Ford Transit Van.

Tailor your coverage to you

When choosing proper insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your situation would benefit from professional advice.

Does coverage extend to my business vehicle?
How much liability insurance is required?
Am I insured when driving a different vehicle?
Do I have coverage when making deliveries for my home business?
Where can I find DUI or SR-22 insurance?
Am I covered when using my vehicle for business?
What is no-fault insurance?
What is covered by UM/UIM coverage?
Does my insurance cover my expensive audio equipment?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a Ford Transit Van

Having a good grasp of auto insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance coverage 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 falling objects, damage from a tornado or hurricane, hail damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as surgery, rehabilitation expenses, X-ray expenses, prosthetic devices and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability car insurance

Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like medical expenses, legal defense fees, loss of income, medical services and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

This covers damage to your Transit Van resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, colliding with a tree, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.