View 2017 Ford Transit Van Car Insurance Cost

Want the cheapest car insurance rates for your Ford Transit Van? Trying to find the cheapest insurance for a Ford Transit Van can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to compare car insurance rates and you need to know the best way to price shop coverage for a new or used Ford and obtain the lowest price either online or from local insurance agents.

You should take the time to do rate comparisons occasionally because prices trend upward over time. Despite the fact that you may have had the lowest rates on Transit van coverage on your last policy you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because you’re about to learn the tricks you need to know to find great coverage at a great price.

Choosing the best insurance company for you is quite easy. If you have insurance now or are looking for a new policy, you can use these techniques to get lower rates and possibly find even better coverage. Consumers only need an understanding of how to compare price quotes on the web.

The Ford Transit Van insurance rate equation

Lots of things are considered when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but other criteria are more obscure such as your marital status or how financially stable you are.

  • Small claims can cost you – Car insurance companies give better rates to insureds who are not frequent claim filers. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • Is insurance cheaper for men or women? – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, this does not mean females are better at driving than males. Men and women have fender benders at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like driving under the influence (DUI).
  • Get married and pay less – Getting married can get you a discount when buying car insurance. Having a spouse may mean you are more financially stable and insurance companies reward insureds because married couples file fewer claims.
  • Stress out and pay more – Jobs such as doctors, social workers and medical professionals tend to have higher premium rates due to high stress levels and lots of time spent at work. Other occupations such as scientists, students and retirees generally pay rates lower than average on Transit van coverage.

The most recommended method to compare policy rates takes advantage of the fact car insurance companies pay for the opportunity to quote your coverage. The one thing you need to do is spend a couple of minutes providing details including whether you are married, driver ages, if you have an active license, and whether you drive to work or school. That rating data is sent automatically to many of the top insurers and they return quotes with very little delay.

To start a quote now, click here then complete the form.

Get lower-cost insurance quotes with discounts

Some insurance providers don’t necessarily list every discount very clearly, so the list below contains both well-publicized and also the lesser-known discounts you could be receiving when you buy insurance coverage online.

  • Driver Education Discount – Have your child enroll in driver’s education if offered at their school.
  • Defensive Driver Discounts – Participating in a driver safety course could save 5% or more and make you a better driver.
  • Telematics Data – Policyholders that allow data collection to spy on when and where they use their vehicle by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as they are good drivers.
  • Paper-free Discount – Many companies provide a small discount just for signing your application on your computer.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
  • Clubs and Organizations – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums on insurance.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the medical payments premium.

As a footnote on discounts, some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, it’s just not the way it works.

A few of the larger companies and some of their more popular discounts can be read below.

  • Geico discounts include daytime running lights, emergency military deployment, multi-vehicle, membership and employees, anti-lock brakes, good student, and defensive driver.
  • Mercury Insurance policyholders can earn discounts including good driver, ease of repair, accident-free, multi-policy, low natural disaster claims, and type of vehicle.
  • Farmers Insurance may offer discounts for pay in full, distant student, business and professional, alternative fuel, and bundle discounts.
  • Auto-Owners Insurance offers discounts for anti-lock brakes, paperless, safe driver, paid in full, multiple vehicles, and safe vehicle.
  • Liberty Mutual offers discounts including hybrid vehicle, multi-car, new vehicle discount, safety features, new move discount, newly retired, and new graduate.
  • SAFECO has discounts for bundle discounts, homeowner, accident prevention training, multi-car, drive less, and teen safe driver.
  • Progressive may include discounts for online signing, multi-policy, continuous coverage, good student, multi-vehicle, and online quote discount.
  • USAA includes discounts for vehicle storage, good student, safe driver, defensive driver, multi-vehicle, and new vehicle.

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering which discounts can lower your rates. A few discounts might not be offered in your area. To choose insurers that offer many of these discounts, follow this link.

Tailor your auto insurance coverage to you

When buying coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine whether you might need an agent’s assistance.

  • How much liability insurance is required?
  • How do I insure my teen driver?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will my rates increase for filing one claim?
  • Is motorclub coverage worth it?
  • Is pleasure use cheaper than using my 2017 Ford Transit Van to commute?
  • Am I covered if I hit a deer?
  • Do I have coverage if my license is suspended?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage options for a 2017 Ford Transit Van

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability

This coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things like loss of income, medical expenses, emergency aid and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills such as funeral costs, ambulance fees, nursing services and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 2017 Ford Transit Van.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

Collision insurance will pay to fix damage to your Transit Van resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, crashing into a ditch, crashing into a building, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, damage from flooding and falling objects. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Shop smart and save

A few companies may not offer internet price quotes and these regional carriers only sell coverage through local independent agencies. Cheaper insurance coverage is possible on the web as well as from independent agents, and you should be comparing both in order to have the best chance of saving money.

Drivers change insurance companies for a number of reasons such as denial of a claim, being labeled a high risk driver, an unsatisfactory settlement offer and even unfair underwriting practices. No matter why you want to switch, finding a new company can be easy and end up saving you some money.

When shopping online for insurance coverage, it’s not a good idea to buy less coverage just to save a little money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

Much more information about insurance coverage can be found at these links: