How to Save on Ford Transit Connect Insurance in Jacksonville

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.

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
Get Your Own Custom Quote Go

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.

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

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:

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:

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.

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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