Vehicle owners not familiar with buying auto insurance online may find locating cheaper Transit Connect insurance is more work than they anticipated.
How to buy lower priced Ford Transit Connect insurance in Scottsdale
The recommended way to get discount Ford Transit Connect insurance in Scottsdale is to compare prices at least once a year from insurers in Arizona. Rates can be compared by following these guidelines.
Step 1: Spend a few minutes and learn about how companies price auto insurance and the factors you can control to prevent rate increases. Many factors that drive up the price like your driving record and poor credit rating can be rectified by making minor changes to your lifestyle. Later in this article we will cover ideas to get cheaper coverage and find overlooked discounts.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or State Farm, while independent agencies can provide price quotes for a wide range of insurance providers. View prices
Step 3: Compare the new rate quotes to your current policy premium and see if there is a cheaper rate in Scottsdale. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.
The key thing to remember is to use identical coverages on every quote request and and to get quotes from as many companies as possible. Doing this enables a fair rate comparison and and a good selection of different prices.
Unbelievable but true according to a study most car insurance policyholders have bought car insurance from the same company for well over three years, and about 40% of consumers have never compared quotes from other companies. Most drivers in Arizona could save themselves up to $733 a year just by getting comparison quotes, but they just don’t want to compare rate quotes.
If you already have coverage, you will definitely be able to lower your rates using the ideas you’re about to read. This information will help you learn how car insurance companies work and also save some money in the process But Arizona consumers must understand how insurance companies sell online because it can help you find the best coverage.
Coverage statistics and figures
The information below outlines a range of insurance costs for Ford Transit Connect models. Knowing how policy premiums are calculated is important for you to make smart choices when purchasing an auto insurance policy.
|Transit Connect XL 2WD
|Transit Connect XLT 2WD
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in your specific Scottsdale location which can change price quotes greatly.
The diagram below highlights how deductible selection and can impact Ford Transit Connect insurance costs for each age group. The information is based on a single male driver, full coverage, and no discounts are applied to the premium.
Specific coverages for a Ford Transit Connect
Understanding the coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.
Auto liability insurance
Liability insurance can cover damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 15/30/10 which stand for a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims such as loss of income, structural damage and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but you should consider buying more liability than the minimum.
The chart below shows why the minimum limit may not provide you with enough coverage.
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Ford Transit Connect.
Since a lot of drivers have only the minimum liability required by law (15/30/10 in Arizona), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like vandalism, hitting a bird, hitting a deer, damage from a tornado or hurricane and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as ambulance fees, doctor visits, prosthetic devices and chiropractic care. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Auto collision coverage
This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like scraping a guard rail, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible on your Transit Connect in order to get cheaper collision rates.
Smart shoppers get results
Insureds change insurance companies for any number of reasons including denial of a claim, delays in responding to claim requests, questionable increases in premium or an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching companies can be pretty painless.
When shopping online for insurance, it’s not a good idea to buy poor coverage just to save money. In many instances, someone dropped liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.
We just covered some good ideas how you can reduce Ford Transit Connect insurance car insurance rates online in Scottsdale. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the best car insurance rates are with the least-expected company.
Steps to finding the cheapest rates for Ford Transit Connect insurance in Scottsdale
To save the most money, the best way to get low-cost Ford Transit Connect insurance is to compare prices at least once a year from insurers in Scottsdale. Rate comparisons can be done by following these guidelines.
- First, spend some time learning about how companies price auto insurance and the things you can change to drop your rates. Many rating criteria that drive up the price like traffic citations, accidents, and a bad credit rating can be remedied by making small lifestyle or driving habit changes.
- Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agents can provide prices for a wide range of companies.
- Third, compare the new rate quotes to your existing coverage and see if there is a cheaper rate. If you find a lower rate quote and change companies, verify that coverage does not lapse between policies.
The most important part of shopping around is to make sure you’re comparing identical coverages on each quote request and and to get price estimates from as many companies as possible. Doing this provides an accurate price comparison and plenty of rates choose from.
Additional learning opportunities
- Safety Belts FAQ (iihs.org)
- What Car Insurance is Cheapest for a Chevrolet Equinox in Scottsdale? (FAQ)
- What Insurance is Cheapest for 4×4 Vehicles in Scottsdale? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Toyota Tundra in Scottsdale? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Rental Car Insurance Tips (Insurance Information Institute)