Scraping up a payment for high-priced Ford Transit Connect insurance in Seattle can diminish your budget and make it tough to pay other bills. Performing a rate comparison is recommended to slash your bill and have more diposable income.
Surprisingly, a recent survey revealed that most insurance policyholders have been with the same company for well over three years, and approximately 40% of consumers have never compared rates with other companies. Many drivers in Seattle could save almost 40% every year, but they just feel it’s too hard to find cheaper insurance by shopping around.
Companies like Allstate and Progressive constantly bombard you with fancy advertisements and it can be hard to see through the deception and do the work needed to find the best deal.
If you are already insured, you will surely be able to get lower rates using the concepts covered in this article. Locating the best insurance company for you in Seattle is quite easy if you know the best way to do it. But Washington vehicle owners can benefit from knowing how insurance companies market insurance on the web and use this information to your advantage.
How to shop Ford Transit Connect insurance online
When comparison shopping, comparing more prices increases your odds of finding better pricing. Not every company allows you to get price estimates online, so you need to compare rates from them, too.
The companies shown below are our best choices to provide price comparisons in Seattle, WA. If the list has multiple companies, we suggest you click on several of them to find the most affordable car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Transit Connect XL 2WD||$94||$200||$278||$16||$82||$670||$56|
|Transit Connect XLT 2WD||$170||$376||$334||$20||$100||$1,000||$83|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price information does not factor in vehicle garaging location which can impact rates considerably.
Impact of speeding/accidents on car insurance rates
The illustration below shows how violations and at-fault claims can drive up Ford Transit Connect insurance costs for each age group. Data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
Get cheaper Ford Transit Connect insurance rates in Seattle
Insurance is easily one of your largest bills, but there could be available discounts to help bring down the price. Some discounts apply automatically when you complete an application, but some discounts are required to be asked for before you will receive the discount.
- Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual and GEICO permit an accident before your rates go up if your claims history is clear prior to being involved in the accident.
- Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates compared to accident prone drivers.
- Active Service Discounts – Having a deployed family member could trigger a small discount.
- Distant College Student Discount – Children who attend college more than 100 miles from Seattle and do not take a car to college may qualify for this discount.
- Seattle Homeowners Pay Less – Owning your own home or condo can earn you a little savings because owning a home is proof that your finances are in order.
- Good Student – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
- Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction but check with your company.
- Anti-theft Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
- Accident-Free Discounts – Seattle drivers who stay claim-free can save substantially as opposed to policyholders that have many claims.
- Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class if offered at their school.
While discounts sound great, it’s important to understand that some credits don’t apply to the whole policy. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck.
To see providers who offer discounts in Seattle, click here to view.
When should I talk to a local insurance agent?
Some consumers would rather buy from a licensed agent and that is a personal choice. An additional benefit of getting online price quotes is the fact that drivers can get cheap rate quotes and still buy from a local agent.
Once you complete this short form, your coverage information is emailed to insurance agents in Seattle who want to provide quotes for your auto insurance coverage. You won’t need to visit any agencies because quoted prices will be sent straight to your inbox. You’ll get the best rates and a licensed agent to work with. If you have a need to quote rates from a specific auto insurance provider, feel free to go to their quote page and give them your coverage information.
Finding the right provider should depend on more than just the quoted price. Any good agent in Seattle should know the answers to these questions.
- What company do they have the most business with?
- Do they offer claims assistance after hours?
- Is their price quote a firm figure or are their hidden costs?
- Do they see any coverage gaps in your plan?
- Will one accident increase rates?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are claims handled at the agent’s location?
- Are you getting all the discounts the company offers?
Detailed coverages of your auto insurance policy
Understanding the coverages of auto insurance helps when choosing the right coverages for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on the average auto insurance policy.
Medical expense insurance – Coverage for medical payments and/or PIP kick in for bills for things like EMT expenses, pain medications, dental work and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Collision – This covers damage to your Transit Connect from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible on your Transit Connect to bring the cost down.
Protection from uninsured/underinsured drivers – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Ford Transit Connect.
Since a lot of drivers only carry the minimum required liability limits (which is 25/50/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like rock chips in glass, theft and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Liability – This can cover damages or injuries you inflict on other people or property in 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. Your policy might show liability limits of 25/50/10 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $10,000.
Liability coverage pays for claims such as loss of income, repair costs for stationary objects and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford. Washington state law requires minimum liability limits of 25/50/10 but it’s recommended drivers buy more liability than the minimum.
Be persistent to save money
While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In many cases, an insured dropped liability coverage limits and learned later that they should have had better coverage. The goal is to purchase plenty of coverage at a price you can afford and still be able to protect your assets.
Cost effective Ford Transit Connect insurance is available from both online companies as well as from independent agents in Seattle, so you need to shop Seattle auto insurance with both to get a complete price analysis. Some insurance providers may not have the ability to get quotes online and usually these smaller companies provide coverage only through local independent agencies.
Helpful learning opportunities
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- What Auto Insurance is Cheapest for High Mileage Drivers in Seattle? (FAQ)
- Who Has the Cheapest Seattle Car Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
- What Insurance is Cheapest for a Toyota Corolla in Seattle? (FAQ)
- Who Has Cheap Seattle Car Insurance Quotes for Active Military? (FAQ)
- Who Has Cheap Seattle Auto Insurance for Inexperienced Drivers? (FAQ)
- Teen Driving Statistics (iihs.org)
- Teen Driving and Texting (State Farm)
- What is Full Coverage? (Allstate)