Best Insurance for a Ford Transit Connect in Irvine

Truthfully, the best way to get low-cost Ford Transit Connect insurance in Irvine is to start comparing prices yearly from different companies who sell auto insurance in California. Rates can be compared by following these steps.

• First, take a few minutes and learn about auto insurance and the measures you can control to lower rates. Many factors that drive up the price like multiple speeding tickets and a negative credit history can be eliminated by paying attention to minor details. This article gives ideas to get lower rates and find hidden discounts.
• Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO or State Farm, while independent agents can quote rates for a wide range of insurance providers.
• Third, compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find better rates and switch companies, make sure coverage is continuous and does not lapse.
• Fourth, notify your agent or company of your intention to cancel your current car insurance policy and submit payment and a completed application for your new coverage. Once received, keep your new certificate of insurance in your glove compartment.

An important note is to compare the same physical damage deductibles and liability limits on every price quote and and to get price estimates from as many companies as feasibly possible. Doing this helps ensure a fair price comparison and the most accurate and complete price analysis.

It’s an obvious statement that auto insurance companies don’t want you to look for cheaper rates. Drivers who shop around once a year will probably buy a new policy because there is a significant possibility of finding better rates. A study discovered that people who compared prices once a year saved approximately $850 each year compared to people who never shopped for cheaper rates.

If finding the most affordable car insurance in Irvine is your objective, understanding how to get free comparison quotes and analyze insurance rates can make it easier for you to save money.

Buying the cheapest auto insurance in Irvine is not rocket science. If you have a policy now or just want cheaper rates, you can use this information to save money without reducing protection. Smart shoppers just have to use the most efficient way to compare rates from many different companies online.

Low cost Ford Transit Connect insurance prices in Irvine, CA

Many insurance companies give insurance quotes from their websites. Getting Ford Transit Connect insurance prices online is pretty easy because you just enter the coverage amounts you desire as requested by the quote form. Once entered, their rating system gets your credit score and driving record and returns pricing information based on these factors. This makes it a lot easier to compare rates and it’s absolutely necessary to perform this step if you want to find the cheapest auto insurance rates.

To get comparison pricing now, take a look at the companies shown below. If you have a policy now, it’s recommended you complete the form with your coverages as shown on your current policy. This ensures you will have a price comparison using the exact same coverages.

The companies shown below provide quotes in California. To get cheap car insurance in Irvine, we recommend you get prices from several of them to get a more complete price comparison.

Irvine car insurance discounts

Some companies don’t list every possible discount very well, so below is a list some of the best known and also the lesser-known discounts you could be receiving when you buy Irvine car insurance online.

• Bundle and Save – If you have multiple policies and insure them both with the same insurance company you may earn as much as 10 to 15 percent.
• Auto/Life Discount – Larger car insurance companies have a small discount if you purchase life insurance.
• Own a Home – Being a homeowner can earn you a little savings due to the fact that maintaining a home shows financial diligence.
• More Vehicles More Savings – Having more than one vehicle on one policy may reduce the rate for each vehicle.
• E-sign Discounts – A few larger online companies may give you up to $50 shop Irvine car insurance on your computer.
• Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
• 55 and Retired – Mature drivers may be able to get lower premium rates.
• Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their Irvine car insurance quote compared to rates paid by drivers with frequent claims.

Consumers should know that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, car insurance companies aren’t that generous. But all discounts will reduce the premium cost.

The example below visualizes the comparison of Ford Transit Connect insurance prices with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, multi-policy, homeowner, and safe-driver discounts applied.

Companies and a selection of discounts include:

• State Farm offers discounts for multiple autos, anti-theft, accident-free, defensive driving training, Steer Clear safe driver discount, and multiple policy.
• Progressive may have discounts that include homeowner, multi-policy, good student, online quote discount, and multi-vehicle.
• Progressive has savings for multi-vehicle, continuous coverage, online signing, homeowner, good student, and multi-policy.
• MetLife may offer discounts for defensive driver, claim-free, multi-policy, good student, good driver, accident-free
• Farm Bureau may include discounts for youthful driver, multi-policy, good student, renewal discount, and safe driver.
• GEICO has discounts for defensive driver, federal employee, membership and employees, air bags, and daytime running lights.
• SAFECO policyholders can earn discounts including accident prevention training, drive less, safe driver, homeowner, anti-lock brakes, anti-theft, and teen safe driver.

It’s a good idea to ask every insurance company which discounts you qualify for. Discounts might not apply in your state. If you would like to see a list of insurers with discount car insurance rates in California, click here to view.

Analysis of coverages

The coverage table displayed next covers detailed analysis of insurance prices for Ford Transit Connect models. Having a better idea how auto insurance policy rates are established is important for making smart choices when purchasing an insurance policy.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices greatly.

Higher deductibles save money

One of the more difficult decisions when buying insurance is how high should the deductibles for physical damage be. The following tables can help show how much more rates are between low and high coverage deductibles. The first rate table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle location which can affect rates significantly.

Based on this data, using a $250 deductible could cost the average driver approximately $16 more each month or $192 for a full year across all Ford Transit Connect models than buying the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 16 months between claim filings, you would come out ahead if you choose the higher deductible.

Comparison of insurance rates by gender

The chart below illustrates the difference between Ford Transit Connect annual premium costs for male and female drivers. The premium estimates are based on no violations or accidents, comp and collision included, $100 deductibles, single marital status, and no discounts are applied.

Compare rates but buy from a neighborhood Irvine auto insurance agent

Many people still prefer to talk to a local agent and that can be a smart move Professional agents can answer important questions and help you file claims. One of the best bonuses of comparing insurance online is you may find the lowest rates but still work with a licensed agent.

By using this form (opens in new window), your information is emailed to agents in your area who will return price quotes and help you find cheaper coverage. You won’t need to find an agent because quoted prices will be sent to the email address you provide. If you wish to compare rates from a particular provider, you just need to go to their quote page to submit a rate quote request.

Finding a good insurance company is decision based upon more than just the price. Some important questions to ask are:

• Does the agent recommend any additional coverage?
• Does the company have a solid financial rating?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Do the agents have professional certifications like CPCU or CIC?
• Does the quote include credit and driving reports?
• Can glass repairs be made at your home?
• If they are an independent agency in Irvine, which companies do they recommend?
• How are they compensated?

Listed below is a list of insurance companies in Irvine that may be willing to give rate quotes for Ford Transit Connect insurance in Irvine.

More insurance agents

Six Things That Influence Your Insurance Prices

It’s important that you understand the rating factors that play a part in calculating your car insurance rates. If you understand what determines premiums, this helps enable you to make changes that can earn you lower car insurance prices. Many different elements are used when premium rates are determined. Some are pretty understandable such as your driving record, but others are not quite as obvious such as whether you are married or your vehicle rating.

The itemized list below are just a few of the factors companies use to determine rates.

Rural vs Urban Areas – Choosing to live in less populated areas of the country is a good thing when shopping for auto insurance. Less people means a lower chance of having an accident. Drivers in populated California areas tend to have more aggressive driving styles and more severe claims. Longer commute distances can result in more accidents.

Adjust deductibles and save – Physical damage deductibles tell how much you are required to pay before a claim is paid by your company. Physical damage protection, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a stationary object, damage caused by hail, or theft of your vehicle. The more money the insured is willing to pay, the less your company will charge you for insurance.

Costs increase with policy add-ons – Policies have optional add-on coverages you can purchase when buying car insurance. Insurance for things like roadside assistance, accidental death, and motor club memberships are examples of these. They may seem like a good idea at first, but your needs may have changed so eliminate them to save money.

Vehicles with better crash test results means better rates – Vehicles with good safety scores tend to have lower insurance rates. Vehicles built for safety help reduce the chance of injuries in an accident and lower injury rates means lower claim amounts passed on to you as lower rates.

Good drivers pay less – Drivers with clean records get better prices as compared to those with violations. Even a single moving violation could increase your next policy renewal to the point where it’s not affordable. People who have careless violations like DUI or willful reckless driving might be required by their state to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.

The diagram below shows how speeding tickets and accidents influence Ford Transit Connect insurance prices for each age group. The price estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

Theft deterrents lower premiums – Choosing to buy a car with a theft deterrent system can earn a premium discount. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft and help bring rates down.

Protect more than your Ford vehicle

Despite the high insurance cost for a Ford Transit Connect in Irvine, paying for auto insurance may be mandatory for several reasons.

• Almost all states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability protection if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your vehicle, most banks will make it mandatory that you have comprehensive coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Ford at an extremely high rate and force you to pay for it.
• Insurance safeguards not only your car but also your financial assets. Insurance will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also pays expenses related to your legal defense in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Transit Connect definitely exceed the price paid, particularly for liability claims. But the average American driver is overpaying more than $820 a year so smart consumers compare quotes at every policy renewal to save money.

Cheaper insurance is a realistic goal

Some insurance providers do not provide the ability to get a quote online and most of the time these regional carriers prefer to sell through independent insurance agents. Lower-priced Ford Transit Connect insurance in Irvine can be bought on the web as well as from insurance agents, so you should compare both to have the best rate selection.

You just learned a lot of ways to compare Ford Transit Connect insurance prices in Irvine. The most important thing to understand is the more quotes you get, the better likelihood of getting the cheapest Ford Transit Connect rate quotes. You may even find the biggest savings come from a small mutual company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

Even more information can be found in these articles:

• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Who Has Cheap Irvine Auto Insurance for First-time Drivers? (FAQ)
• Who Has Affordable Irvine Car Insurance Quotes for Drivers Under 21? (FAQ)
• Driving in Bad Weather (Insurance Information Institute)
• Cellphones, Texting and Driving (iihs.org)
• Comprehensive Coverage (Liberty Mutual)