Compare Ford Transit Connect Insurance Rate Quotes in Indianapolis

Smart shoppers know that insurance companies don’t want customers comparing rates. Drivers who shop around for better prices will probably buy a new policy because of the high probability of finding a policy with better rates. A recent insurance study discovered that consumers who make a habit of shopping around saved an average of $3,450 over four years compared to drivers who never shopped around for cheaper prices.

If finding the lowest price on car insurance is why you’re here, then knowing how to get price quotes and compare coverages can help simplify the task of finding more affordable coverage.

If you want to save money, the best way to find cheaper quotes for auto insurance rates is to regularly compare quotes from different companies who sell auto insurance in Indianapolis. Rates can be compared by following these steps.

1. It will benefit you to learn about individual coverages and the things you can control to keep rates down. Many rating criteria that cause rate increases like at-fault accidents and a substandard credit score can be eliminated by being financially responsible and driving safely. This article gives additional tips to get lower rates and find available discounts that you may qualify for.
2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can give you price quotes from many different companies.
3. Compare the new quotes to your existing rates and determine if there is any savings. If you find better rates and change companies, make sure there is no lapse in coverage.
4. Notify your company or agent to cancel your current coverage. Submit a down payment along with a signed application to the newly selected company. As soon as you receive it, place the new certificate of insurance with your vehicle’s registration.

A tip to remember is that you’ll want to compare the same amount of coverage on every price quote and and to get price estimates from as many different companies as possible. This provides a fair price comparison and the most accurate and complete price analysis.

Many insurance companies give coverage prices online. Getting Ford Transit Connect insurance prices online is fairly straightforward as you just type in your coverage information into the quote form. Upon sending the form, their system automatically orders credit information and your driving record and returns pricing information based on the data you entered.

Quoting online for Ford Transit Connect insurance in Indianapolis streamlines rate comparisons, and it is imperative to perform this step if you are searching for a better rate.

To compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you enter the coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will get rate quotes for exact coverage.

The companies in the list below are ready to provide quotes in Indiana. If multiple providers are shown, we recommend you click on several of them in order to find the lowest rates.

Cut your auto insurance rates with discounts

Auto insurance is easily one of your largest bills, but there could be significant discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but once in a while a discount must be asked about before being credited. If you do not check that you are getting every discount you deserve, you are paying more than you should be.

• Claim Free – Drivers who don’t have accidents get the best auto insurance rates as compared to drivers with a long claim history.
• Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems could see savings up to 30%.
• Drive Safe and Save – Drivers without accidents can save up to 40% or more on their Indianapolis car insurance quote than their less cautious counterparts.
• Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and will save you 10% or more on Transit Connect insurance in Indianapolis.
• More Vehicles More Savings – Buying coverage for multiple vehicles with one company can reduce rates for all insured vehicles.
• Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you better premium rates if you take out auto and life insurance together.
• Early Renewal Discounts – Select insurance companies give a discount for signing up early. It’s a savings of about 10%.
• Discount for Low Mileage – Driving fewer miles may enable drivers to earn cheaper rates.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky.

The information below compares Ford Transit Connect insurance costs with and without discounts applied. The rate quotes are based on a female driver, no claims or driving violations, Indiana 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 safe-driver, claim-free, multi-policy, multi-car, marriage, and homeowner discounts applied.

Larger auto insurance companies and a partial list of their discounts can be read below.

• Mercury Insurance discounts include professional/association, accident-free, good student, anti-theft, multi-car, and type of vehicle.
• Farmers Insurance may offer discounts for electronic funds transfer, alternative fuel, mature driver, youthful driver, switch companies, and bundle discounts.
• Farm Bureau policyholders can earn discounts including safe driver, good student, renewal discount, multi-vehicle, and multi-policy.
• State Farm offers premium reductions for good student, driver’s education, Steer Clear safe driver discount, multiple autos, and multiple policy.
• Allstate has discounts for new car, economy car, multi-policy, defensive driver, and teenSMART discount.
• GEICO includes discounts for driver training, five-year accident-free, membership and employees, seat belt use, and anti-theft.

Before buying, ask all companies you are considering which discounts can lower your rates. Some discounts may not apply to policyholders in your area.

Insurance rate breakdown

The table shown next covers a range of rate quotes for Ford Transit Connect models. Being aware of how insurance premiums are figured can assist in making decisions on the best policy to buy.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rates do not factor in vehicle location which can increase or decrease price quotes considerably.

Insurance deductibles

When buying insurance, a common question is how high should the deductibles for physical damage be. The rates shown below can help you visualize the differences in premium rates when you buy lower versus higher comp and collision deductibles. The first price estimate table uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Table data does not factor in Indianapolis location which can lower or raise coverage rates noticeably.

Based on the above data, using a $100 deductible could cost the average driver approximately $19 more each month or $228 for a full year than opting for the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 21 months between claims, you would probably save some money if you decide on a higher deductible.

The chart below illustrates how your choice of deductibles and can impact Ford Transit Connect insurance rates for different insured age categories. The prices are based on a single female driver, comp and collision included, and no other discounts are factored in.

Neighborhood insurance agents

A small number of people would rather have an agent’s advice and we recommend doing that Professional insurance agents are highly skilled in risk management and help you file claims. A nice benefit of comparing rates online is that drivers can save money and get lower car insurance rates but also keep your business local. And providing support for local insurance agents is especially important in Indianapolis.

To make it easy to find an agent, after completing this quick form, your insurance coverage information is sent to companies in Indianapolis that can give you free Indianapolis car insurance quotes to get your business. There is no need to even leave your home since price quotes are sent to you. If you need to get a rate quote from a specific auto insurance provider, you would need to go to their quote page and complete a quote there.

If you need to find a reputable insurance agent or broker, there are two different types of agents and how they are distinctly different. Agents are considered either exclusive agents or independent agents. Either one can insure your vehicles properly, but it’s worth mentioning the subtle differences since it can affect your agent selection.

Independent Auto Insurance Agents (or Brokers)

Agents that choose to be independent often have many company appointments and that gives them the ability to insure with any number of different companies and find the cheapest rate. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to do anything. When comparing auto insurance rates, we recommend you get insurance quotes from several independent agencies in order to compare the most rates. A lot of them also have access to different regional companies which can be an advantage.

Shown below is a short list of independent agencies in Indianapolis that can possibly get you competitive price quotes.

• Skaggs Insurance Agencies Inc
  5519 E 82nd St e – Indianapolis, IN 46250 – (317) 841-6000 – View Map
• Multiline Insurance Agency
  9801 Fall Creek Rd #156 – Indianapolis, IN 46256 – (317) 476-6141 – View Map
• Walker and Associates Insurance Agency
  7364 E Washington St – Indianapolis, IN 46219 – (317) 353-8000 – View Map

More insurance agents

Exclusive Agencies

These type of agents work for only one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers often buy insurance from these agents partially due to loyalty to the company rather than having the cheapest rates.

Below are exclusive insurance agencies in Indianapolis that are able to give comparison quotes.

• Keith Eberg – State Farm Insurance Agent
  7550 S Meridian St d – Indianapolis, IN 46217 – (317) 887-1400 – View Map
• State Farm: Amy Henry
  7035 E 96th St Suite S-2 – Indianapolis, IN 46250 – (317) 897-1900 – View Map
• Jerry Ortner – State Farm Insurance Agent
  7424 Rockville Rd – Indianapolis, IN 46214 – (317) 273-0709 – View Map

More insurance agents

Picking an insurance agency requires you to look at more than just the premium amount. Here are some questions you might want to ask.

• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• If you have an accident, will your rates go up?
• How often do they review policy coverages?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• What are their preferred companies if they are an independent agency?
• Is the quote a firm price?
• What company do they have the most business with?

After you get good feedback to any questions you may have as well as an affordable premium quote, chances are good that you have found an insurance agency that meets the criteria to properly service your auto insurance policy.

Ford Transit Connect Insurance Premiums Can Be More Affordable

Lots of things are used in the calculation when premium rates are determined. Some of the criteria are obvious such as your driving history, but others are more obscure such as whether you are married and annual miles driven. A large part of saving on auto insurance is knowing the rating factors that play a part in calculating your auto insurance rates. When consumers understand what impacts premium levels, this enables you to make decisions that could help you find much lower annual insurance costs.

The following are some of the most rate-impacting factors that factor into your rate level.

• Older drivers are lower risk – Teenage drivers in Indiana are statistically proven to get distracted easily behind the wheel so auto insurance rates are higher. Mature drivers tend to be more responsible, statistically cause fewer accidents, and are generally more financially stable.

  The following data assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

• Gaps in coverage mean higher rates – Going without insurance can be a guaranteed way to trigger a rate increase. Not only will rates go up, being ticketed for driving with no insurance might get you fines or a revoked license. Then you may be required to file a SR-22 with the Indiana department of motor vehicles.
• Bad credit will cost you – An insured’s credit rating will be a significant factor in calculating your auto insurance rates. If your credit score can use some improvement, you could be paying less to insure your Ford Transit Connect by spending a little time repairing your credit. Insureds with high credit scores tend to file fewer claims than those with poor credit scores.

• Careless drivers pay higher premiums – Drivers with clean records get better rates than their less careful counterparts. Even one speeding ticket may increase your cost by as much as thirty percent. Drivers who have gotten careless citations such as reckless driving or DUI may find that they have to to submit a SR-22 form with their state’s licensing department in order to continue driving.

  The information below demonstrates how traffic citations and at-fault accidents can impact Ford Transit Connect annual premium costs for each different age group. The costs are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

• Use but don’t abuse your insurance – If you’re an insured who likes to file claims you can pretty much guarantee much higher rates or policy non-renewal. Car insurance companies in Indiana provide lower rates to insureds who are claim-free. Your insurance policy is designed for major claims that would cause financial hardship.
• Safer vehicles lower premiums – Vehicles with good safety scores tend to have lower insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and any reduction in injury severity means lower claim amounts which can result in lower premiums.
• Your address can impact price – Living in a small town may provide you with better prices when it comes to auto insurance. Less people translates into fewer accident claims and a lower car theft rate. People in densely populated areas have more traffic problems and longer commute times. More time behind the wheel can result in more accidents.
• Get better rates if married – Having a wife or husband may save some money on your auto insurance policy. Marriage is viewed as being more financially stable and insurance companies like that drivers who are married are more cautious.

Three reasons car insurance is important

Despite the potentially high cost of Ford Transit Connect insurance, paying for car insurance may be mandatory for several reasons.

• Almost all states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability in order to drive the car legally. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you took out a loan on your Ford Transit Connect, it’s guaranteed your bank will make it a condition of the loan that you buy insurance to guarantee loan repayment. If coverage lapses or is canceled, the bank may buy a policy for your Ford at a more expensive rate and require you to fork over much more than you were paying before.
• Insurance protects both your Ford and your assets. It will also reimburse you for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If you have damage to your Ford as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of carrying adequate insurance are definitely more than the cost, especially when you need to use it. Today the average American driver overpays as much as $830 a year so you should quote rates at least once a year to be sure current rates are still competitive.

Affordable insurance is out there

Cost effective Ford Transit Connect insurance is possible both online and from local agencies, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not have online price quotes and these regional carriers sell through independent agents.

In this article, we covered many ways to find affordable Ford Transit Connect insurance in Indianapolis. It’s most important to understand that the more times you quote, the higher your chance of finding low cost Indianapolis car insurance quotes. You may even discover the best prices are with the smaller companies.

Insureds leave their current company for a variety of reasons including lack of trust in their agent, delays in responding to claim requests, policy non-renewal or even delays in paying claims. It doesn’t matter why you want to switch finding a new insurance company is actually quite simple.

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