It takes a few minutes, but the best way to save on Ford Transit Connect insurance is to compare prices annually from insurance carriers who provide car insurance in Dallas. Rate comparisons can be done by following these steps.
First, try to learn about policy coverages and the steps you can take to keep rates down. Many policy risk factors that are responsible for high rates such as multiple speeding tickets and bad credit can be controlled by making minor changes in your lifestyle. This article provides more information to help reduce prices and find more discounts that you may not know about.
Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive and State Farm, while independent agencies can provide prices from multiple companies.
Third, compare the quotes to your existing rates and see if you can save money. If you find a lower rate and buy the policy, verify that coverage does not lapse between policies.
The critical component of shopping around is that you use similar deductibles and liability limits on every quote request and and to look at as many carriers as you can. Doing this guarantees an accurate price comparison and and a good selection of different prices.
It’s an obvious conclusion that insurance companies don’t want you quoting rates from other companies. Insureds who shop around for cheaper price quotes will most likely switch companies because they have good chances of finding discount prices. A survey found that drivers who regularly compared price quotes saved approximately $865 annually compared to drivers who never shopped around.
If finding the lowest rates on car insurance is your intention, then having a grasp of how to find and compare car insurance can make the process more efficient.
Best Ford Transit Connect insurance prices in Texas
The companies shown below have been selected to offer quotes in Dallas, TX. If several companies are displayed, it’s highly recommended you get prices from several of them to get a more complete price comparison.
Ford Transit Connect insurance rate analysis
The coverage information displayed below covers different coverage costs for Ford Transit Connect models. Having a better idea how premiums are determined can be of help when making smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Transit Connect XL 2WD||$220||$492||$358||$22||$108||$1,200||$100|
|Transit Connect XLT 2WD||$220||$492||$358||$22||$108||$1,200||$100|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium costs do not factor in vehicle location which can impact premiums greatly.
The example below demonstrates how choosing different deductibles and can change Ford Transit Connect insurance costs for different age groups. The information is based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
Annual premiums for males compared to females
The diagram below illustrates the difference between Ford Transit Connect insurance costs for male and female drivers. The costs are based on a clean driving record, no claims, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.
Should you buy full coverage?
The illustration below shows the difference between Ford Transit Connect car insurance rates with and without physical damage coverage. The costs are based on no accidents or driving violations, $500 deductibles, single status, and no discounts are applied.
Should you be buying full coverage?
There is no definitive formula to stop buying full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Ford Transit Connect settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after you pay the deductible. If premium cost is more than $300 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are a few situations where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
Cheaper Ford Transit Connect insurance in Dallas
Some companies do not advertise every available discount very well, so the next list breaks down a few of the more common and also the lesser-known discounts that you can inquire about if you buy Dallas car insurance online.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out a life policy as well.
- Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may qualify for discounts of up to 25% or more.
- Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
- Driver Safety – Taking time to complete a class that teaches driver safety techniques is a good idea and can lower rates if you qualify.
- Discount for Low Mileage – Low annual miles may enable drivers to earn better rates on cars that stay parked.
- Waiver for an Accident – This one is not really a discount per se, but some companies like Progressive, State Farm and GEICO will turn a blind eye to one accident without raising rates if you have no claims for a set time period.
- Mature Driver Discount – Seniors may qualify for a small discount on rates.
One thing to note about discounts is that most of the big mark downs will not be given the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
The chart below illustrates the difference between Ford Transit Connect insurance rates with and without discounts applied to the rates. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, marriage, multi-policy, and multi-car discounts applied.
To choose insurance companies who offer free Ford Transit Connect insurance quotes in Dallas, follow this link.
When choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.
These are some specific questions might help in determining if you might need an agent’s assistance.
- Is pleasure use cheaper than using my Ford Transit Connect to commute?
- Should I buy more coverage than the required Texas minimum liability coverage?
- Does car insurance cover theft of personal property?
- Which companies will insure me after a DUI?
- Which companies are cheaper for teen drivers?
- Is coverage enough to protect my assets?
- When should I have rental car coverage?
- Why am I required to buy high-risk coverage?
- Does low annual mileage earn a discount?
If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.
When should I get advice from an agent?
Some consumers just prefer to buy from a licensed agent and often times that is recommended A good thing about price shopping on the web is that drivers can save money and get cheap rate quotes and still have a local agent. Supporting local insurance agents is definitely important in Dallas.
Upon completion of this form (opens in new window), your insurance data is emailed to local insurance agents who will give you quotes for your business. It simplifies rate comparisons since you won’t have to do any legwork since price quotes are sent directly to you. You can find better rates without the usual hassles of price shopping. If you have a need to compare rates from a particular provider, you just need to jump over to their website and complete a quote there.
Exclusive agents vs. Independent agents
If you are wanting to purchase insurance from a local Dallas insurance agency, you should know the types of insurance agents and how they can write your policy. Agents are categorized either independent or exclusive.
Independent Insurance Agencies or Brokers
Agents that choose to be independent are not limited to a single company so they have the ability to put coverage with many different companies and potentially find a lower price. If you want to switch companies, an independent agent can move your coverage and you don’t have to find a new agent. If you are trying to find cheaper rates, you need to compare prices from several independent agencies to have the best price comparison. They often place coverage with small regional insurance companies that can offer cheaper rates than bigger companies.
Listed below is a small list of independent agencies in Dallas that may be able to provide price quotes.
- Northwest Insurance
11722 Marsh Ln # 345 – Dallas, TX 75229 – (214) 352-5656 – View Map
- Porter-Brandenburg Agency
12160 Abrams Rd – Dallas, TX 75243 – (972) 234-5588 – View Map
- Calema Insurance Agency
3021 Lombardy Ln #101 – Dallas, TX 75220 – (469) 341-7831 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents are contracted to one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are very knowledgeable on their company’s products which helps overcome the inability to quote other rates. Consumers often use the same exclusive agent mostly because of the prominent brand name and solid financial strength.
Shown below are exclusive agencies in Dallas that are able to give rate quotes.
- John Hall – State Farm Insurance Agent
3110 Webb Ave #205 – Dallas, TX 75205 – (972) 807-2051 – View Map
- Dan Stanton – State Farm Insurance Agent
3767 Forest Ln #107 – Dallas, TX 75244 – (972) 243-8894 – View Map
- John Hamman – State Farm Insurance Agent
8330 Abrams Rd #104 – Dallas, TX 75243 – (214) 341-3050 – View Map
Picking the best auto insurance agent requires you to look at more than just the quoted price. Here are some questions you might want to ask.
- Which family members are covered?
- Can they give you a list of client referrals?
- How often do they review policy coverages?
- If they are an independent agency in Dallas, which companies do they recommend?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the agent recommend any additional coverage?
- Will one accident increase rates?
Once you have good feedback for all questions you ask as well as inexpensive Ford Transit Connect insurance in Dallas quotes, most likely you have located an auto insurance agent that will properly service your insurance policy. It’s important to know that you can cancel your coverage at any point so don’t think that you’re stuck with the insurance policy for any length of time.
Throughout this article, we presented a lot of ways to save on Ford Transit Connect insurance in Dallas. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may even discover the best price on auto insurance is with an unexpected company.
Lower-priced Ford Transit Connect insurance in Dallas is definitely available on the web and from local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and these regional insurance providers work with independent agents.
Consumers change insurance companies for many reasons like policy cancellation, delays in responding to claim requests, high rates after DUI convictions or even delays in paying claims. Whatever your reason, finding a new auto insurance company can be easy and end up saving you some money.
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