Drivers Who Know These Tricks Save More on Ford Transit Connect Insurance

Are you irritated from sacrificing other expenses to pay auto insurance each month? Your situation is no different than many other people. People have so many car insurance companies to choose from, and although it’s a good thing to be able to choose, more options can take longer to get the best deal.

More affordable rates with these discounts

Car insurance is not cheap, but there could be available discounts that you may not even know about. Certain discounts will be applied at quote time, but occassionally some discounts must be inquired about prior to getting the savings.

• Low Miles Discount – Fewer annual miles on your Ford could be rewarded with cheaper rates.
• ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control are much safer to drive and earn discounts up to 10%.
• Paperless Signup – Many larger companies may give you up to $50 for buying your policy on the internet.
• Multiple Cars – Insuring multiple vehicles on a single policy can reduce rates for all insured vehicles.
• Telematics Devices – Drivers who agree to allow companies to scrutinize driving manner through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they are good drivers.

A little disclaimer on discounts, most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Even though it appears you could get a free auto insurance policy, it just doesn’t work that way.

A list of companies and the discounts they provide can be read below.

• AAA has discounts for good student, good driver, AAA membership discount, pay-in-full, multi-policy, multi-car, and education and occupation.
• Progressive offers discounts including online quote discount, continuous coverage, online signing, good student, and multi-vehicle.
• State Farm has savings for Steer Clear safe driver discount, Drive Safe & Save, driver’s education, student away at school, multiple autos, and passive restraint.
• Esurance offers discounts for Pac-12 alumni, online quote, good driver, multi-car, and anti-theft.
• Nationwide discounts include family plan, easy pay, accident-free, multi-policy, business or organization, defensive driving, and Farm Bureau membership.

If you need , ask every prospective company to apply every possible discount. All car insurance discounts may not apply to policies in every state.

Choices You Make Can Impact Your Insurance Prices

Many different elements are used in the calculation when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but others are more obscure like your continuous coverage or your vehicle rating.

The items below are some of the things used by your company to calculate your rate level.

• Vehicles with better crash test results are cheaper to insure – Vehicles with high crash test scores tend to be cheaper to insure. Safe vehicles reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less which can mean better rates for you.
• How much liability coverage – A critical coverage on your policy, liability insurance provides coverage if ever you are responsible for an accident. This coverage provides you with a defense in court which can be incredibly expensive. Liability is cheap compared to comp and collision, so do not skimp.
• Better drivers pay less – Your driving citation history has a huge affect on how much you pay. Careful drivers receive lower rates compared to bad drivers. Getting just one chargable violation can increase rates by twenty percent. Drivers who have careless violations like DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state in order to prevent a license revocation.
• Combine policies with the same company – Most insurance companies will give a discount to buyers that buy multiple policies such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you qualify for this discount already, consumers should still get quotes from other companies to ensure the best deal.
• Rural areas have lower rates – Living in less populated areas of the country has it’s advantages when it comes to auto insurance. Less people living in that area means less chance of accidents in addition to lower liability claims City drivers have to deal with congested traffic and longer commutes to work. Longer commute distances means more chance of being in an accident.
• Avoid coverage lapses – Allowing your auto insurance policy to lapse can be a quick way to increase your renewal premiums. Not only will you pay higher rates, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license. You may then have to file a SR-22 with your state motor vehicle department.
• Prevent theft and save money – Selecting a car model with a theft deterrent system can save you some money. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop car theft and help bring rates down.

Auto insurance savings summarized

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice full coverage only to regret that the savings was not a smart move. Your objective should be to find the BEST coverage at the best price, but don’t skip important coverages to save money.

We just covered many ideas to reduce Ford Transit Connect insurance premium rates online. The key concept to understand is the more quotes you get, the better likelihood of getting . You may even find the lowest priced auto insurance comes from some of the lesser-known companies. These smaller insurers may have significantly lower prices on certain market segments than their larger competitors like State Farm or Progressive.

Cost effective Ford Transit Connect insurance is available both online in addition to many insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide rate quotes online and these smaller companies provide coverage only through independent agencies.