How to Save on Corpus Christi Ford Transit Connect Insurance

Insurance rates Ford Transit Connect in Corpus ChristiReally, the only way to find lower priced Ford Transit Connect insurance is to make a habit of regularly comparing prices from different companies in Corpus Christi. Rate comparisons can be done by completing these steps.

A good tip to remember is to use similar limits and deductibles on every price quote and and to get quotes from as many different companies as possible. This helps ensure an accurate price comparison and many rates to choose from.

A recent survey discovered that a large majority of drivers kept buying from the same company for more than four years, and approximately 40% of consumers have never shopped around. Texas drivers could pocket about $1,766 a year by just shopping around, but most tend to underestimate the amount of money they would save if they moved their coverage to a different company.

Cheap Corpus Christi Ford Transit Connect insurance

Getting cheaper Ford Transit Connect car insurance pricing isn’t really that difficult. You just need to take a few minutes to compare rates online from several insurance companies.

The companies in the list below provide free rate quotes in Texas. If you want to find the best cheap auto insurance in Texas, we recommend you visit two to three different companies to find the most competitive auto insurance rates.

Reduce your auto insurance rates with discounts

Auto insurance is neither fun to buy or cheap, but you may find discounts that you may not even know about. A few discounts will be applied at the time of purchase, but less common discounts must be specifically requested before you get the savings. If you do not double check each discount available, you are paying more than you should be.Save money with discounts

While discounts sound great, it’s important to understand that some credits don’t apply to the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck.

The information below illustrates the difference between Ford Transit Connect premium costs with and without discounts applied to the premium. The information is based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, marriage, claim-free, and homeowner discounts applied.

If you would like to see a list of auto insurance companies that offer discounts in Corpus Christi, click here to view.

Insurance coverage details

The coverage table displayed next showcases a range of policy rates for Ford Transit Connect models. Learning how auto insurance policy rates are figured can be of help when making smart choices when buying a car insurance policy.

Ford Transit Connect Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $260 $544 $392 $24 $118 $1,338 $112
Transit Connect XLT 2WD $260 $544 $392 $24 $118 $1,338 $112
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in specific location information which can increase or decrease premiums substantially.

Choosing deductibles

When comparing insurance rates, the most common question is where to set your physical damage deductibles. The rates shown below outline the rate fluctuation when you select higher and lower policy deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Ford Transit Connect insurance rates 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
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Ford Transit Connect insurance rates 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
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Estimates do not factor in specific garaging location which can raise or lower premiums substantially.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $26 more each month or $312 a year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 29 months between claims, you would most likely save money by going with a higher deductible. Here is an example of how you can make this decision for your own policy.

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 thing to note is that a higher deductible means you pay more out-of-pocket when you have a physical damage claim. You should have some savings in the bank in order to pay the deductible to have repairs made.

The illustration below illustrates how your deductible choice and can raise or lower Ford Transit Connect premium costs for each age group. The data is based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

Does it make sense to buy full coverage?

The chart below visualizes the comparison of Ford Transit Connect car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no claims, a clean driving record, $1,000 deductibles, single status, and no discounts are applied to the premium.

When to buy liability coverage only

There is no exact formula of when to phase out physical damage coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Ford Transit Connect replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying more than $400 annually to have full coverage, then it could be time to drop full coverage.

There are some situations where dropping full coverage is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Seven Things That Affect Your Insurance Prices

Multiple criteria are part of the equation when you quote your car insurance policy. Some are obvious such as your driving record, but some are more obscure like your continuous coverage or how safe your car is. Part of the car insurance buying process is learning some of the factors that play a part in calculating car insurance rates. When you understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower car insurance prices.

The factors shown below are some of the factors that factor into your prices.

Drive less and save – The more you drive in a year the higher your rate. A lot of companies apply a rate partially by how you use the vehicle. Autos used primarily for pleasure use can get a lower rate than cars that get driven a lot. Having an incorrect usage rating on your Transit Connect is throwing money out the window. Verify your policy states the correct usage for each vehicle, because improper ratings can cost you money.

How much liability insurance do you need? – Your policy’s liability coverage will afford coverage when you are ruled to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.

Big cities mean more claims – Being located in less populated areas of the country has definite advantages when talking about car insurance. Lower population means fewer accidents as well as less vandalism and auto theft. City drivers tend to have more traffic problems and higher rates of accident claims. The longer drive time means more chances of being involved in an auto accident.

Eliminate unneeded add-on coverages – There are a lot of extra coverages that sound like a good idea at the time if you don’t pay attention. Coverage for things like rental car coverage, better glass coverage, and term life insurance could be just wasting money. They may sound like good ideas when buying your policy, but if they’re wasting money get rid of them and save.

Fast cars cost more to insure – The performance level of the vehicle you drive makes a significant difference in the rate you pay. The lowest premiums tend to be for lower performance four cylinder passenger cars, but that’s not the only thing that factors into the final price.

The following data assumes a married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It compares Ford Transit Connect rates compared to other vehicles that have different performance risks.

Gender as a rate factor – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both cause fender benders at a similar rate, but the males tend to have more serious accidents. Not only that, but men also receive more costly citations such as DWI and reckless driving.

The diagram below visualizes the comparison of Ford Transit Connect car insurance rates for male and female drivers. The data assumes a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are applied to the premium.

Lower prices with alarm systems – Owning a car with an alarm system can save you a little every year. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent vehicle theft.

Neighborhood Corpus Christi auto insurance agents

Many drivers would prefer to get professional advice from a licensed agent and that is a personal choice. Good agents will help you protect your assets and will help you if you have claims. An additional benefit of comparing rates online is that drivers can save money and get the lowest rates and also buy local.

Insurance agents in Corpus ChristiAfter filling out this short form, your insurance data is emailed to agents in your area who will give you bids for your business. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent instantly to you. If you need to get a price quote from a specific insurance provider, feel free to visit that company’s website and submit a quote form there.

Finding the right insurance company should include more criteria than just a cheap price quote. These are some questions you should get answers to.

Listed below are agents in Corpus Christi that may be able to provide price quotes for Ford Transit Connect insurance in Corpus Christi.

More insurance agents

After receiving acceptable answers to all your questions and locked in a price quote, it’s possible that you found an insurance company that meets the requirements to properly service your insurance policy. Just understand that policyholders can cancel your policy whenever you wish so don’t feel you’re contractually obligated to the insurance policy for a certain time period.

Insurance agents can help

When it comes to your policy for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.Auto insurance savings

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Ratings for Texas car insurance companies

Insuring your vehicle with the best insurance provider can be difficult considering how many choices you have in Texas. The company ratings listed below could help you decide which auto insurers you want to consider comparing rates from.

Top Car Insurance Companies in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Quote more and you will save more

Some insurance providers may not provide online quoting and usually these smaller companies work with independent insurance agents. The cheapest Ford Transit Connect insurance in Corpus Christi is possible both online and from local agencies, so you need to compare both so you have a total pricing picture.

Consumers change insurance companies for a variety of reasons including policy cancellation, lack of trust in their agent, high rates after DUI convictions or an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. The goal is to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

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