It's an obvious conclusion that insurance companies don't want you shop around. People who get price quotes annually will probably buy a new policy because there is a great chance of finding a more affordable policy. Remarkably, a study showed that people who routinely shopped around saved an average of $3,450 over four years compared to drivers who never compared prices.
If finding low prices for Ford Transit Connect insurance is the reason you're reading this, then knowing the best way to compare car insurance can help make the process easier.
It takes a few minutes, but the best way to get affordable Ford Transit Connect insurance is to do a yearly price comparison from providers that sell auto insurance in San Jose. You can shop around by following these guidelines.
- Step 1: Try to learn about what is in your policy and the steps you can take to keep rates low. Many things that cause high rates like high-risk driving behaviors and an unacceptable credit score can be amended by paying attention to minor details.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agencies can quote rates for a wide range of insurance providers.
- Step 3: Compare the price quotes to your existing policy to determine if you can save on Transit Connect insurance. If you find a lower rate quote, make sure coverage does not lapse between policies.
An important bit of advice to remember is to make sure you enter similar limits and deductibles on each quote and and to look at as many different insurance providers as possible. Doing this provides the most accurate price comparison and the best price quote selection.
If you have a current auto insurance policy or are just looking to switch companies, you can use these techniques to find better prices and possibly find even better coverage. Buying the best protection in San Jose is actually quite simple. Smart shoppers only need to know the quickest way to buy auto insurance using one simple form.
The providers in the list below have been selected to offer free quotes in California. If several companies are displayed, we recommend you visit two to three different companies in order to get a fair rate comparison.
Detailed insurance information
The premium information displayed below outlines different prices for Ford Transit Connect models. Learning more about how car insurance prices are figured can assist in making smart choices when buying a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Transit Connect XL 2WD||$142||$300||$416||$24||$124||$1,006||$84|
|Transit Connect XLT 2WD||$142||$300||$416||$24||$124||$1,006||$84|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in zip code location which can lower or raise price quotes noticeably.
The illustration below shows how different deductible levels and can impact Ford Transit Connect premium costs for different ages of insureds. The premiums assume a married female driver, comp and collision included, and no additional discounts are factored in.
Ford Transit Connect insurance rates: Men versus women
The information below shows the comparison of Ford Transit Connect insurance costs for male and female drivers. The price estimates are based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Does full coverage make sense?
The illustration below illustrates the comparison of Ford Transit Connect yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums assume no claims or driving violations, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There is no definitive rule to drop physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let's pretend your Ford Transit Connect book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after you pay the deductible. If you are currently paying more than $600 annually for full coverage, then it might be time to buy liability only.
There are some circumstances where only buying liability is not a good idea. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder's interest. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
What is the best car insurance coverage?
When choosing coverage online or from an agent for your personal vehicles, there really is not a "best" method to buy coverage. Everyone's situation is a little different.
These are some specific questions can aid in determining if you will benefit from professional help.
- Should I pay a claim out-of-pocket?
- Can I get by with minimal medical coverage if I have good health insurance?
- Can my teen driver be rated on a liability-only vehicle?
- What is the difference between personal and commercial auto insurance policies?
- When should I remove comp and collision on my Ford Transit Connect?
- How do I buy GAP insurance?
- Should I waive the damage coverage when renting a car?
- What does roadside assistance cover?
- Is my vehicle covered by my employer's policy when using it for work?
If you're not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.
When to have guidance from an insurance agent
A small number of people would prefer to buy from a local agent and that is a smart decision Licensed agents can make sure you are properly covered and will help you if you have claims. A good thing about comparing rate quotes online is the fact that you can find lower rates and still buy from a local agent. And supporting local insurance agents is definitely important in San Jose.
By using this simple form, your insurance coverage information gets sent to insurance agents in San Jose who will give competitive quotes for your business. You never need to visit any agencies since price quotes are sent to the email address you provide. If you want to compare rates from a specific auto insurance provider, just visit that company's website and give them your coverage information.
If you want to buy auto insurance from a local San Jose insurance agent, there are two different types of agencies and how they function. Auto insurance policy providers are either independent (non-exclusive) or exclusive. Either type can write auto insurance policies, but it's worth mentioning the difference between them because it can impact which agent you choose.
Independent Auto Insurance Agents (or Brokers)
Agents of this type can sell policies from many different companies so they have the ability to put coverage through many companies and find you the best rates. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. When comparing auto insurance prices, you need to compare prices from a couple of independent agencies to have the best price comparison. Many can place coverage with small mutual carriers which could offer lower prices.
Below is a list of independent agents in San Jose who may provide rate quotes.
- Nationwide Insurance: Nathan Douglas Gleason Agency
1625 The Alameda Ste 402 - San Jose, CA 95126 - (408) 656-0034 - View Map
- Sergio Plascencia Insurance Agency
3136 Story Rd - San Jose, CA 95127 - (408) 254-8336 - View Map
- Harrington Insurance Agency
6920 Santa Teresa Blvd #101 - San Jose, CA 95119 - (408) 754-9000 - View Map
Exclusive Auto Insurance Agencies
Exclusive agents can only write with one company such as Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot compare rates from other companies so keep that in mind. They are trained well on sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes use the same agent partially due to high brand loyalty and the convenience of having all coverages with one company.
Shown below is a short list of exclusive agencies in San Jose that are able to give comparison quotes.
- Nhut Ho - State Farm Insurance Agent
2048 Tully Rd - San Jose, CA 95122 - (408) 223-6163 - View Map
- Jim Fiorentino - State Farm Insurance Agent
3150 Almaden Expy #204 - San Jose, CA 95118 - (408) 267-3276 - View Map
- Mike Myers - State Farm Insurance Agent
4855 Atherton Ave #150 - San Jose, CA 95130 - (408) 550-7868 - View Map
Finding the right auto insurance agent should depend on more than just the premium amount. Agents should be asked these questions:
- Which insurance companies are they affiliated with?
- How experienced are they in personal risk management?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they assist clients in filing claims?
- Are there any discounts that you might be missing?
- Are there any discounts for paying up front?
- Is assistance available after office hours?