Find Cheaper Ford Transit Connect Insurance in Arlington

Do you need a better way to compare the cheapest Ford Transit Connect insurance in Arlington? Do you get exhausted from not being able to afford to insure your Ford every month? You’re in the same situation as many other drivers in Texas.

Insurance rates Ford Transit Connect in ArlingtonUnthinkable but true, a large majority of drivers kept buying from the same company for at least four years, and approximately 38% of consumers have never even shopped around for cheap coverage. Drivers in Arlington could save an average of nearly $1,770 each year, but they don’t believe the benefits if they replace their high priced policy.

Steps to buying affordable Ford Transit Connect insurance in Arlington

If you want to save money, the best way to get the cheapest Ford Transit Connect insurance is to compare quotes once a year from providers who can sell car insurance in Arlington. Rate comparisons can be done by following these steps.

The key thing to remember is that you’ll want to make sure you compare identical coverage information on every price quote and and to get price quotes from as many companies as you can. Doing this enables an apples-to-apples comparison and a complete rate analysis.

There are many insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, it makes it harder to find the lowest cost provider for Ford Transit Connect insurance in Arlington.

You should take the time to quote other rates on a regular basis because prices go up and down regularly. Even if you think you had the best deal on Ford Transit Connect insurance in Arlington on your last policy there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

The best way we recommend to compare rates for Ford Transit Connect insurance in Arlington is to take advantage of the fact all the major auto insurance companies participate in a system to quote your coverage. The only thing you need to do is give them some information including how much education you have, how you use your vehicles, if a SR-22 is needed, and the make and model of your vehicles. Those rating factors is instantly sent to multiple companies and they provide comparison quotes with very little delay.

To compare cheaper Ford Transit Connect insurance rates now, click here and enter your coverage details.

The companies shown below offer quotes in Texas. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Statistics and details

The rate table below covers a range of policy rates for Ford Transit Connect models. Understanding more about how insurance policy premiums are established can aid in making informed decisions.

Ford Transit Connect Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $180 $412 $430 $26 $128 $1,176 $98
Transit Connect XLT 2WD $180 $412 $430 $26 $128 $1,176 $98
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices greatly.

Should you raise deductibles?

One of the most common auto insurance questions is which deductible level should you buy. The following tables may help to conceptualize the difference in cost when you choose different comp and collision deductibles. The first data table uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Ford Transit Connect insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $256 $496 $382 $22 $114 $1,295 $108
Transit Connect XLT 2WD $256 $496 $382 $22 $114 $1,295 $108
Get Your Own Custom Quote Go

Ford Transit Connect insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $158 $312 $382 $22 $114 $988 $82
Transit Connect XLT 2WD $158 $312 $382 $22 $114 $988 $82
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in vehicle garaging location which can revise price quotes noticeably.

Based on these figures, using a $250 deductible costs roughly $26 more each month or $312 annually than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 29 months between claim filings, you would save money if you elect the higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $108
Average monthly premium for $1,000 deductibles (subtract): – $82
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One important issue to know is that increasing deductibles to lower your rates means you pay more out-of-pocket when you do file a claim. You need enough savings in order to pay the deductible to have repairs made.

The illustration below shows how choosing a deductible and can influence Ford Transit Connect insurance rates for different categories of driver ages. The prices are based on a married male driver, full coverage, and no discounts are applied.

Auto insurance rates are higher with tickets and accidents

The illustration below demonstrates how speeding tickets and at-fault collisions influence Ford Transit Connect car insurance costs for different ages of insureds. The costs are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Auto insurance in Texas serves several purposes

Even though Arlington Transit Connect insurance rates can get expensive, paying for auto insurance may be required and benefits you in several ways.

The benefits of buying enough insurance are definitely more than the cost, particularly if you ever have a claim. The average driver in America overpays more than $855 a year so it’s very important to do a rate comparison at every policy renewal to help ensure money is not being wasted.

Insurance coverage specifics

Knowing the specifics of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for prosthetic devices, ambulance fees, dental work and EMT expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Transit Connect.

Since a lot of drivers only purchase the least amount of liability that is required (30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive coverages

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, hail damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 30/60/25 that translate to $30,000 bodily injury coverage, a limit of $60,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as bail bonds, structural damage, funeral expenses, court costs and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible. Texas state minimum liability requirements are 30/60/25 but you should consider buying higher limits.

The chart below shows why the minimum limit may not be high enough to adequately cover claims.

Collision protection

This pays for damage to your Transit Connect from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, crashing into a ditch, driving through your garage door, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible on your Transit Connect in order to get cheaper collision rates.