How long has it been since you sat down and looked for more affordable Ford Transit Connect insurance in Phoenix? Locating cheaper insurance for a Ford Transit Connect in Arizona can be a painful process, but you can learn a few tricks to find lower rates.
There are both good and bad ways to buy car insurance so you’re going to learn the best way to quote coverages for a new or used Ford and get the cheapest rates either online or from Phoenix insurance agents.
You should make it a habit to do price comparisons once or twice a year since prices are constantly changing. Just because you had the best deal on Ford Transit Connect insurance in Phoenix a couple years back other companies may now be cheaper. Block out anything you think you know about car insurance because you’re going to learn the fastest way to find better rates and still maintain coverage.
Companies offering Ford Transit Connect insurance in Phoenix
The following companies have been selected to offer free rate quotes in Arizona. If several companies are displayed, we suggest you get rates from several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Transit Connect XL 2WD||$142||$308||$338||$20||$102||$910||$76|
|Transit Connect XLT 2WD||$196||$382||$306||$18||$92||$994||$83|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can impact coverage rates significantly.
Auto insurance rates by gender and age
The information below illustrates the comparison of Ford Transit Connect premium costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied.
Irresponsible driving raises your rates
The illustration below shows how speeding tickets and at-fault accidents can influence Ford Transit Connect premium costs for different age categories. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Discounts mean cheaper rates for Ford Transit Connect insurance in Phoenix
Not too many consumers would say car insurance is affordable, but there’s a good chance there are discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but a few must be asked about prior to getting the savings.
- Discounts for Multiple Vehicles – Insuring more than one vehicle on the same car insurance policy can get a discount on all vehicles.
- Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 25 to 30%.
- Distant Student – Any of your kids who live away from home at college without a vehicle on campus could qualify for this discount.
- Fewer Miles Equal More Savings – Keeping the miles down on your Ford could earn lower prices on the low mileage vehicles.
- Accident-Free Discounts – Drivers who don’t have accidents get the best car insurance rates as compared to insureds who have frequent claims or accidents.
As a footnote on discounts, most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
To find companies with significant discounts in Arizona, click here to view.
Informed Decisions Result in Lower Insurance Costs
Lots of factors are part of the equation when you get a price on insurance. A few of the factors are predictable such as your driving record, but other criteria are not as apparent such as your credit history or your vehicle rating. A large part of saving on insurance is knowing the factors that aid in calculating your insurance rates. When you know what positively or negatively determines premiums, this allows you to make good choices that may result in lower premium levels.
The factors shown below are a few of the things used by insurance companies to determine your prices.
Females pay lower rates – Over the last 30 years, statistics show that women are safer drivers than men. Now that doesn’t mean females are better drivers. Both sexes have accidents in similar numbers, but males get into accidents with more damage. In addition to higher claims, males also get more serious tickets such as DWI and reckless driving.
Do you qualify for a multi-policy discount? – Most major insurance companies will give discounts to insureds that have more than one policy such as combining an auto and homeowners policy. Even with this discount applied, it’s still a good idea to shop around to help ensure you have the lowest rates. You may still save even more than the discount by buying insurance from a different company.
When should you not file a claims? – If you frequently file small claims, you can pretty much guarantee higher rates. Car insurance companies in Arizona give the best rates to people who file claims infrequently. Insurance coverage is intended to be relied upon for the large, substantial claims.
Lower rates for vehicles with better crash test results – Vehicles that have high safety ratings get lower rates. The safest vehicles reduce the chance of injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford Transit Connect has ratings of a minimum four stars on Safercar.gov it may cost less to insure.
Save money by raising comp and collision deductibles – Comp and collision deductibles tell how much you are required to spend if a claim is determined to be covered. Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of covered claims would be rearending another vehicle, damage caused by hail, or theft of your vehicle. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be.
Drivers with high credit save on insurance – Having a good credit score is likely to be a major factor in determining what you pay. If your credit score can be improved, you could potentially save money when insuring your Ford Transit Connect by spending a little time repairing your credit. Insureds with excellent credit tend to be better risks to insure than drivers who have poor credit scores.
Youthful drivers cost more – Older insureds are more cautious drivers, are lower risk to insure, and tend to be get fewer driving tickets.Youthful drivers tend to get distracted easily behind the wheel therefore insurance rates are much higher.
Don’t cut corners with liability insurance – The liability coverage on your policy will afford coverage when you are responsible for an accident. Your policy’s liability insurance provides for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
How much insurance do I need?
When it comes to choosing the best insurance coverage for your vehicles, there is no “perfect” insurance plan. Your financial needs are unique.
Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.
- Is my nanny covered when transporting my kids?
- Is my custom stereo system covered?
- Is motorclub coverage worth it?
- Why do I need rental car insurance?
- Am I insured when driving a different vehicle?
- How long can I keep a teen driver on my policy?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.
When should I talk to an insurance agent?
A lot of people still prefer to get professional advice from a licensed agent and often times that is recommended Good insurance agents can help you choose the best coverages and help submit paperwork. A good thing about comparing insurance online is that you can find cheaper premium rates and also buy local. Buying from local agencies is important especially in Phoenix.
For easy comparison, once you complete this short form, your coverage information gets sent to local insurance agents who will give you quotes and help you find cheaper coverage. There is no reason to do any legwork because prices are sent immediately to you. If for some reason you want to get a rate quote from a specific insurance company, don’t hesitate to visit that company’s website to submit a rate quote request.
Shown below is a list of insurance companies in Phoenix that are able to give price quotes for Ford Transit Connect insurance in Phoenix.
- Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map
- Best Buy Insurance
3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548 – View Map
- Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
- Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
Finding the right provider should include more criteria than just a cheap price quote. You should also get answers to these questions.
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Is assistance available after office hours?
- What is their Better Business Bureau rating?
- What discounts might you be missing?
- How often do they review coverages?
Once you have good responses to any questions you have as well as an affordable premium quote, you have narrowed it down to an insurer that is professional and can properly insure your vehicles. Just remember you are entitled to terminate coverage at any time so don’t assume that you are obligated to a specific company with no way to switch.
Do the work, save more money
We’ve covered many ways to reduce Ford Transit Connect insurance prices online in Phoenix. The key thing to remember is the more you quote Phoenix car insurance, the better likelihood of getting the cheapest Ford Transit Connect rate quotes. Consumers could even find that the lowest priced insurance comes from a lesser-known regional company.
People switch companies for a variety of reasons including lack of trust in their agent, high prices, high rates after DUI convictions and even unfair underwriting practices. It doesn’t matter why you want to switch finding a new company can be pretty painless.
As you quote Phoenix car insurance, you should never reduce coverage to reduce premium. There have been many situations where drivers have reduced uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.
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