How to Save on Ford Transit Connect Insurance in Jacksonville

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Insurance for Ford Transit ConnectIf you want to save money, the best way to find discount Ford Transit Connect insurance is to annually compare prices from companies who provide car insurance in Jacksonville.

  • First, get an understanding of how auto insurance works and the changes you can make to keep rates low. Many rating factors that are responsible for high rates such as speeding tickets, accidents and poor credit can be improved by being financially responsible and driving safely. Later in this article we will cover information to help find cheaper rates and find missing discounts.
  • Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple insurance companies. Find a Jacksonville insurance agent
  • Third, compare the new quotes to your existing rates and determine if there is any savings. If you can save some money and buy the policy, make sure there is no lapse in coverage.

An essential thing to point out is that you use the same deductibles and limits on each price quote and and to get rates from as many carriers as you can. Doing this ensures a fair price comparison and a thorough selection of prices.

Remarkably, a study showed that about 70% of customers have remained with the same car insurance company for at least the last four years, and approximately 40% of consumers have never compared rates to find lower-cost insurance. With the average premium in Florida being $2,200, drivers could save nearly 55% every year by just shopping around, but most undervalue the amount of money they would save if they bought a different policy.

Companies offering competitive Ford Transit Connect prices in Jacksonville, FL

The providers in the list below provide quotes in Jacksonville, FL. If multiple providers are shown, we suggest you visit two to three different companies in order to find the lowest rates.

Ford Transit Connect insurance analysis

The rate information displayed below outlines a range of policy rates for Ford Transit Connect models. Having insight into how auto insurance premiums are determined is important for making smart choices when buying a car insurance policy.

Ford Transit Connect Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $134 $284 $392 $24 $118 $952 $79
Transit Connect XLT 2WD $134 $284 $392 $24 $118 $952 $79
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price information does not factor in vehicle garaging location which can modify rates greatly.

Rate comparison for different deductibles

One of the most common car insurance questions is where should you set your physical damage deductibles. The rates below highlight the rate difference when you select higher and lower policy deductibles. The first rate quote example uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.

Ford Transit Connect insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $280 $544 $418 $24 $124 $1,415 $118
Transit Connect XLT 2WD $280 $544 $418 $24 $124 $1,415 $118
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Ford Transit Connect insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $228 $438 $418 $24 $124 $1,232 $103
Transit Connect XLT 2WD $228 $438 $418 $24 $124 $1,232 $103
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific Jacksonville garaging location which can lower or raise coverage prices considerably.

We can derive from the above data that using a $250 deductible will cost you roughly $15 more each month or $180 every year across all Ford Transit Connect models than choosing the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at least 17 months between claims, you would save money by selecting a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $250 deductibles: $118
Average monthly premium for $500 deductibles (subtract): - $103
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important issue to know is that higher deductibles means you will have to pay more out-of-pocket when you file a claim. You should have some extra savings in order to pay the higher deductible.

Why You Might Pay Inflated Rates in Jacksonville

Many different elements are used when you get your auto insurance bill. Some factors are common sense like your driving record, but others are not quite as obvious like your continuous coverage or your vehicle rating. Part of the auto insurance buying process is learning some of the elements that come into play when calculating your policy premiums. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that can earn you lower auto insurance prices.

  • Marriage can save on auto insurance - Being married can get you a discount on your auto insurance bill. It usually means you are more responsible and insurance companies like that drivers who are married are more cautious.
  • Put fewer miles on your vehicle - The higher the miles on your Ford in a year's time the more you will pay for auto insurance. Almost all companies price each vehicle's coverage based on their usage. Vehicles that do not get driven very much cost less to insure compared to those used for work or business. Improper usage on your Transit Connect may be wasting your money. Double check that your auto insurance declarations sheet correctly shows the proper vehicle usage.
  • Cut premiums and deter theft - Buying a car with an alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping vehicle theft.
  • Driver age impacts costs - Older, more experienced drivers are viewed as being more responsible, are lower risk to insure, and usually have better credit. Young drivers tend to be less responsible when behind the wheel therefore auto insurance rates are much higher.

    The following chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Gender impacts costs - Over time, data shows that women are safer drivers than men. It does not mean males are worse at driving than females. Women and men tend to get into at-fault accidents in similar percentages, but the males have costlier accidents. In addition to higher claims, males also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers are several times more likely to be in an accident so it costs more to insure them.

    The example below visualizes the comparison of Ford Transit Connect insurance rates for male and female drivers. The information is based on no violations or claims, full physical damage coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.

  • You may save more by bundling policies - Most insurers will give lower prices to policyholders that buy multiple policies, otherwise known as a multi-policy discount. Even though this discount sounds good, drivers will still want to comparison shop to ensure the best deal. It's possible to still find better rates by buying auto insurance from a different company.

Cheaper Jacksonville auto insurance quotes with discounts

Some companies do not list every discount available in an easy-to-find place, so we took the time to find both well-publicized and the more hidden credits that may apply to you.Cheaper auto insurance with discounts

  • Student Driver Training - Require your teen driver to take driver's ed class if it's offered in school.
  • Data Collection Discounts - Insureds that choose to allow companies to analyze when and where they use their vehicle by using a telematics device in their vehicle such as State Farm's In-Drive may see discounts if they have good driving habits.
  • Paper-free Discount - Many companies will give a small break for buying your policy on the web.
  • Driver Safety - Successfully completing a driver safety class is a good idea and can lower rates and make you a better driver.
  • Discounts for Multiple Vehicles - Buying coverage for multiple cars with the same auto insurance company can reduce rates for all insured vehicles.
  • No Claim Discounts - Good drivers with no accidents pay less when compared with policyholders that have many claims.
  • Accident Forgiveness Coverage - Not a discount per se, but some insurance companies will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free for a particular time prior to the accident.
  • Early Payment Discounts - If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid monthly service charges.
  • Renewal Discounts - A few auto insurance companies give discounts for signing up prior to the expiration date on your current Transit Connect insurance policy. This discount can save up to 10%.
  • Bundled Policy Discount - If you insure your home and vehicles and place coverage with the same company you could earn a discount of 10% to 20% off each policy.

As a footnote on discounts, most discounts do not apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. If you do the math and it seems like it's possible to get free car insurance, you aren't that lucky.

The illustration below shows the difference between Ford Transit Connect car insurance rates with and without discounts applied. The price estimates are based on a male driver, no claims, a clean driving record, Florida 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, multi-car, claim-free, safe-driver, multi-policy, and marriage discounts applied.

Large auto insurance companies and some of the premium reductions they offer include:

  • The Hartford may include discounts for anti-theft, good student, defensive driver, vehicle fuel type, air bag, driver training, and bundle.
  • American Family includes discounts for defensive driver, TimeAway discount, Steer into Savings, bundled insurance, and accident-free.
  • Progressive offers premium reductions for multi-vehicle, homeowner, good student, online quote discount, continuous coverage, multi-policy, and online signing.
  • Travelers offers discounts including driver training, good student, student away at school, multi-policy, save driver, payment discounts, and home ownership.
  • Farmers Insurance has savings for early shopping, alternative fuel, mature driver, pay in full, electronic funds transfer, and multi-car.
  • USAA may have discounts that include annual mileage, safe driver, new vehicle, driver training, multi-policy, defensive driver, and military installation.
  • Liberty Mutual offers discounts for teen driver discount, multi-car, safety features, newly retired, newly married, preferred payment discount, and hybrid vehicle.

Check with all companies you are considering to apply every possible discount. Discounts might not be offered on policies in your area. To see a list of companies with discount rates in Jacksonville, click this link.

Auto insurance agents can help

Some people just want to visit with an insurance agent and that can be a great decision Good insurance agents are trained risk managers and will help you if you have claims. One of the best bonuses of comparing car insurance online is you can get better rates and still have an agent to talk to. Supporting local insurance agents is important especially in Jacksonville.

Jacksonville insurance agentsAfter filling out this short form, your insurance coverage information is submitted to local insurance agents who will gladly provide quotes for your business. You never need to leave your computer due to the fact that quote results will go to you directly. If you need to compare rates from a specific car insurance provider, just visit that company's website and fill out their quote form.

When searching for a reputable insurance agent or broker, it's helpful to know the different types of agents and how they differ in how they quote coverages. Agents in Jacksonville can either be exclusive or independent. Both types can sell and service car insurance coverage, but we need to point out the differences because it can influence your agent selection.

Independent Agencies or Brokers

Independent insurance agents are not limited to a single company and that gives them the ability to insure with any number of different companies and get the cheapest rates. If your premiums go up, they simply move your policy to a different company which is easy for the insured. If you are comparing car insurance prices, it's a good idea to get insurance quotes from at least one independent agent so that you can do a thorough price comparison. Most can insure with smaller mutual companies which could offer lower prices.

The following is a small list of independent agents in Jacksonville that can possibly get you free car insurance rate quotes.

More Jacksonville agents

Exclusive Car Insurance Agencies

Exclusive agencies can only provide pricing for a single company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agencies are usually well trained on what they offer which helps them compete with independent agents. Many people purchase coverage from exclusives partially due to high brand loyalty instead of buying on price only.

Shown below are exclusive agents in Jacksonville who can help you get price quote information.

More Jacksonville agents

Picking an car insurance agent needs to be determined by more than just the price. These are valid questions to ask:

  • What is their Better Business Bureau rating?
  • How is replacement cost determined on your vehicle?
  • Is every driver in your family covered?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Does their agency support local causes in Jacksonville?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Where would your vehicle be repaired?

Once you have received reasonable responses for all questions you ask as well as offering an affordable quote, most likely you have located a car insurance agent that can be relied on to service your policy.

Which policy gives me the best coverage?

When selecting insurance from an agent or online, there isn't really a "best" method to buy coverage. Everyone's needs are different and your insurance should unique, too.Drive safe and save Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Does my medical payments coverage pay my health insurance deductible?
  • Is a fancy paint job covered?
  • Why am I required to get a high-risk car insurance policy?
  • Are combined or split liability limits better?
  • Can my teen drive my company car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is a blown tire covered by insurance?

If you don't know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It's fast, free and can provide invaluable advice.

In the end, you can save money

We've covered many ideas to compare Ford Transit Connect insurance premium rates in Jacksonville. It's most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier. These smaller insurers may only write in your state and offer lower prices than the large multi-state companies such as Allstate or State Farm.

When buying insurance coverage, don't be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured dropped liability coverage limits only to regret at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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