Compare Ford Transit Connect Insurance Rates in Fort Worth

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Discount Ford Transit Connect insuranceSurprisingly, a recent survey revealed that the vast majority of consumers kept their coverage with the same car insurance company for a minimum of four years, and almost half have never quoted car insurance rates at all. Consumers in Texas could pocket 70% a year just by comparing rates, but they feel it's too difficult to compare rates.

The best way to get cheaper car insurance rates in Fort Worth is to compare quotes annually from companies who sell auto insurance in Texas.

  • Step 1: Try to understand auto insurance and the measures you can control to keep rates down. Many things that are responsible for high rates such as traffic tickets, fender benders, and a negative credit score can be amended by making minor driving habit or lifestyle changes.
  • Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like GEICO and Allstate, while independent agents can quote prices for a wide range of insurance providers.
  • Step 3: Compare the quotes to your current policy to see if a cheaper rate is available. If you find a lower rate and decide to switch, make sure coverage does not lapse between policies.

One thing to point out is to try to use the same amount of coverage on every quote and and to look at all possible companies. Doing this ensures the most accurate price comparison and the best rate selection.

Cheaper rates with these five rate reducing discounts

Insurance is expensive, but there could be available discounts that you may not even know about. Some discounts will apply when you get a quote, but a few must be asked about before you get the savings.Save money with discounts

  • Life Insurance - Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Home Ownership Discount - Owning a home in Fort Worth can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
  • Seat Belts Save more than Lives - Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Distant Student Discount - Older children who live away from home at college without a vehicle on campus may be able to be covered for less.
  • Driver's Education for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.

Don't be shocked that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like it's possible to get free car insurance, companies wouldn't make money that way.

The chart below shows the difference between Ford Transit Connect insurance costs with and without discounts applied to the premium. The rate quotes are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, safe-driver, claim-free, and marriage discounts applied.

A list of companies and a summarized list of policyholder discounts are included below.

  • American Family may include discounts for air bags, good student, bundled insurance, mySafetyValet, accident-free, and Steer into Savings.
  • Farm Bureau has discounts for multi-policy, good student, youthful driver, renewal discount, driver training, and 55 and retired.
  • State Farm may offer discounts for good driver, multiple policy, driver's education, Drive Safe & Save, and good student.
  • Travelers has savings for payment discounts, driver training, hybrid/electric vehicle, IntelliDrive, save driver, and multi-car.
  • The Hartford includes discounts for defensive driver, air bag, anti-theft, bundle, and driver training.
  • GEICO may have discounts that include air bags, military active duty, driver training, federal employee, and good student.
  • Progressive offers discounts including homeowner, good student, continuous coverage, online signing, and multi-vehicle.

If you want affordable Fort Worth car insurance quotes, ask each insurance company what discounts are available to you. Some discounts might not apply in Fort Worth. To view insurance companies offering insurance discounts in Fort Worth, click here to view.

The easiest way to compare rate quotes for Ford Transit Connect insurance in Fort Worth is to know the trick most insurance companies have advanced systems to give rate comparisons. The one thing you need to do is give the companies some data such as whether or not you need a SR-22, whether your vehicle is owned or leased, if your license is active, and an estimate of your credit level. The data gets transmitted to many different companies and you should receive rate quotes quickly.

To start a quote now, click here and complete the form.

The car insurance companies shown below are our best choices to provide free rate quotes in Fort Worth, TX. If several companies are displayed, we suggest you get price quotes from several of them in order to find the cheapest rates.

Rates and other information

The information displayed next highlights a range of insurance costs for Ford Transit Connect models. Having a better idea how auto insurance premiums are formulated helps drivers make smart choices when comparing insurance rates.

Ford Transit Connect Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $318 $728 $514 $30 $154 $1,744 $145
Transit Connect XLT 2WD $318 $728 $514 $30 $154 $1,744 $145
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can affect coverage prices noticeably.

Car insurance deductibles

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The comparison tables below determine the premium difference of buying low and high coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Ford Transit Connect insurance premium estimates 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 premium estimates 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

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in Fort Worth location which can increase or decrease auto insurance rates substantially.

Based on the data above, we can derive that using a $250 deductible costs an average of $26 more each month or $312 each year across all Ford Transit Connect models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 29 months between claim filings, you would probably save some money by selecting a higher deductible.

The chart below illustrates how your choice of deductibles and can affect Ford Transit Connect annual premium costs for each age group. The data assumes a married male driver, full coverage, and no discounts are applied.

Rate comparison of full coverage and liability-only

The chart below illustrates the difference between Ford Transit Connect insurance costs with liability coverage only compared to full coverage. The premiums assume no violations or accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

When to stop buying full coverage

There is no set guideline of when to drop full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let's say your Ford Transit Connect book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $4,000 after the deductible is paid. If you are paying in excess of $400 a year to have full coverage, then you might consider buying liability only.

There are some cases where dropping full coverage is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

When should I discuss my situation with an agent?

When buying coverage online or from an agent for your vehicles, there really is not a one-size-fits-all type of policy. Everyone's situation is a little different and a cookie cutter policy won't apply.Drive safe and save For instance, these questions might point out if you could use an agent's help.

  • Am I covered if my car is in a flood?
  • Are my friends covered when driving my Ford Transit Connect?
  • How long can I keep a teen driver on my policy?
  • Do I need to call my car insurance company before buying a new car?
  • Is my trailer covered?
  • Do I need roadside assistance coverage?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Can't I compare rate quotes from local Fort Worth car insurance agents?

Certain consumers would prefer to go talk to an agent and that is a smart decision The best thing about getting online price quotes is the fact that drivers can get cheap rate quotes and also buy local. Buying from neighborhood agents is still important in Fort Worth.

Upon completion of this form (opens in new window), your insurance data is instantly submitted to local insurance agents who will give you bids for your business. It's much easier because you don't need to search for an agent due to the fact that quote results will go immediately to your email address. You can find lower rates and a licensed agent to work with. In the event you want to get a rate quote from a particular provider, you can always search and find their rate quote page to submit a rate quote request.

Fort Worth car insurance agents are either independent or exclusive

When searching for a local insurance agency, you must know there are a couple different types of agents and how they differ in how they can insure your vehicles. Insurance agencies are either exclusive agents or independent agents.

Independent Agents (or Brokers)

Agents in the independent channel are not employed by any specific company and that allows them to write policies through lots of different companies depending on which coverage is best. If your premiums go up, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, you will definitely want to check rates from at least one independent agent for the best price selection. Many can place coverage with smaller companies that can offer cheaper rates than bigger companies.

Shown below are independent agents in Fort Worth who may provide free insurance quotes.

More Fort Worth agents

Exclusive Insurance Agents

Agents that choose to be exclusive can only provide one company's prices and examples are State Farm, Allstate and AAA. They usually cannot compare rates from other companies so it's a take it or leave it situation. Exclusive agents receive extensive training on the products they sell which aids in selling service over price. Some insured continue to use the same agent mostly because of the prominent brand name rather than low rates.

Below are exclusive agents in Fort Worth who can help you get rate quotes.

More Fort Worth agents

Finding the right auto insurance agent should include more criteria than just the quoted price. Before buying a policy in Fort Worth, get answers to these questions.

  • Do you qualify for any additional discounts?
  • Will the agent help in case of a claim?
  • Is auto insurance their primary focus in Fort Worth?
  • If they are an independent agency in Fort Worth, which companies do they recommend?
  • What companies can they write with?
  • Will you work with the agent or an assistant?
  • Do they get extra compensation for selling add-on coverages?

Auto insurance coverage specifics

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you'll find the normal coverages found on most auto insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, fire damage, a tree branch falling on your vehicle and damage from flooding. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Ford Transit Connect.

Since many Texas drivers only carry the minimum required liability limits (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for hospital visits, pain medications, nursing services and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision insurance covers damage to your Transit Connect resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to choose a higher deductible on your Transit Connect to save money on collision insurance.

Liability coverages

This coverage will cover injuries or damage you cause to other people or property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 30/60/25 that means you have $30,000 bodily injury coverage, a limit of $60,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as funeral expenses, repair costs for stationary objects, repair bills for other people's vehicles and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible. Texas requires minimum liability limits of 30/60/25 but drivers should carry more coverage.

The chart below demonstrates why buying minimum limits may not be adequate.

Don't give up on cheaper rates

In this article, we covered a lot of techniques to shop for Ford Transit Connect insurance online. It's most important to understand that the more times you quote, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with the least-expected company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

Cheaper insurance in Fort Worth can be sourced from both online companies in addition to many Fort Worth insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don't offer rates over the internet and most of the time these small, regional companies work with independent agencies.

When shopping online for insurance, it's very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

Much more information about insurance in Texas can be found on the following sites: