2018 Ford Transit Van Car Insurance Cost

If you are new to online car insurance, chances are good that you are overwhelmed thanks to the vast number of insurers all offering big savings.

You need to price shop coverage before your policy renews since insurance prices tend to go up over time. Even if you think you had the lowest quotes on Transit van insurance a couple years back you will most likely find a better rate today. Forget all the misinformation about car insurance because you’re going to learn the easiest way to find better rates and still maintain coverage.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Buying the best auto insurance can be fairly easy. But drivers benefit from understanding how big insurance companies sell insurance online and use this information to your advantage.

The easiest way to get policy rate comparisons is to know the trick almost all companies will pay a fee to give free rates quotes. All consumers are required to do is provide a little information including if you are currently licensed, if the vehicle is leased, what your job is, and your credit rating estimate. Those rating factors is submitted instantly to insurance companies and they respond with quotes instantly.

Get lower-cost rates with these car insurance discounts

Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts that may help make it more affordable. Most are applied at the time you complete a quote, but occassionally some discounts must be inquired about before being credited.

  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and can earn a small discount on your policy.
  • Student in College – who attend college more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Student Discounts – Performing well in school can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
  • Data Collection Discounts – Drivers who elect to allow companies to look at driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they have good driving habits.
  • No Accidents – Drivers with accident-free driving histories pay less compared to policyholders that have many claims.

It’s important to understand that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Companies that may include these money-saving discounts include:

If you are trying to find cheaper auto insurance quotes, ask all the companies the best way to save money. Discounts may not apply in your area. If you would like to choose from a list of companies that offer discounts, click this link.

Insurance can get complicated

When it comes to buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions may help you determine whether you might need professional guidance.

  • Who is covered by my policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I insured when driving a different vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I get high-risk coverage after a DUI?
  • Do I have coverage when pulling a U-Haul trailer?
  • What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Smart consumers can lower their insurance premiums

Lots of factors are taken into consideration when you get a price on insurance. A few of the factors are predictable such as your driving record, but other criteria are more obscure such as your credit history or your financial responsibility.

  • Gender as a rate factor – The statistics show women tend to be less risk to insure than men. It does not mean men are WORSE drivers than women. Men and women cause auto accidents in similar percentages, but the male of the species cause more damage. Men also statistically have more aggressive citations such as DWI and reckless driving. Male teenagers are the most expensive to insure and therefore pay the highest rates.
  • Your location is important – Having an address in less populated areas of the country may provide you with better prices when it comes to car insurance. People in densly populated areas have more traffic problems and longer commute times. Fewer drivers on the road means reduced accidents and lower theft and vandalism rates.
  • A car insurance lapse can increase premiums – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your insurance coverage expire. Not only will you pay higher rates, not being able to provide proof of insurance will get you a steep fine or even jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Insurance is expensive for teen drivers – Older, more experienced drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.Youthful drivers are statistically shown to be inattentive when behind the wheel and because of this, their car insurance rates are much higher.
  • Safer cars save money – Vehicles that have high safety ratings get lower rates. Safer cars reduce occupant injuries and better occupant protection means less claims paid and thus lower rates.

Insurance coverage advertising gotchas

Big name companies like Geico, State Farm and Progressive consistently run television, radio, and online ads. All the ads advertise the message that you’ll save big just by moving your policy. How does each company say the same thing? It’s all in the words they use.

Different companies have an ideal profile for the type of driver that earns them the most money. One example of this type of risk profile could possibly be married and over the age of 30, has no tickets, and chooses high deductibles. Someone who fits that profile will get the preferred prices and will cut their rates if they switch.

Potential insureds who may not quite match these stringent criteria will be quoted higher premium rates which results in the customer not purchasing. If you pay close attention to the ads, they say “customers who switch” but not “all drivers who get quotes” save that kind of money. This is how companies can make claims that they all have the best rates. This emphasizes why drivers should do a quote comparison often. Because you cannot predict which insurance companies will provide you with the cheapest prices.

Information about specific coverages

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision protection

This coverage will pay to fix damage to your Transit Van resulting from colliding 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 pays for claims such as crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, fire damage, a tree branch falling on your vehicle, hitting a bird and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills such as funeral costs, surgery, ambulance fees, EMT expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability coverages

Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical services, pain and suffering and funeral expenses. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Don’t be a big spender

We’ve covered many ways to shop for 2018 Ford Transit Van insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest car insurance rates are with the least-expected company.

Lower-priced insurance is available both online in addition to many insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. Some companies don’t offer online rate quotes and most of the time these regional carriers work with independent insurance agents.

Drivers leave their current company for many reasons like extreme rates for teen drivers, delays in responding to claim requests, policy cancellation and denial of a claim. It doesn’t matter what your reason, choosing a new company can be easier than you think.

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