Want to learn how to find cheaper Ford Transit Connect insurance in Fresno? If you’re new to shopping for Fresno car insurance quotes online, by this point your are probably confused by the diversity of insurers all claiming to have the lowest rates for Ford Transit Connect insurance in Fresno.
Unthinkable but true, over 70% of California drivers kept buying from the same company for at least the last four years, and nearly the majority have never even compared rates from other companies. Most drivers in the U.S. can save roughly $859 each year by just shopping around, but they just don’t understand how much savings they would realize if they bought a different policy.
Locating the most cost-effective car insurance policy in Fresno is much easier if you know where to start. If you currently have a car insurance policy, you will surely be able to get lower rates using the concepts covered in this article. Nevertheless, California vehicle owners must learn the way companies price insurance differently because it can help you find the best coverage.
Cheapest companies for Ford Transit Connect insurance
The car insurance companies shown below are ready to provide comparison quotes in California. If you wish to find the best cheap car insurance in Fresno, we recommend you compare several of them in order to get a fair rate comparison.
Rate information and statistics
The data table below covers a range of insurance prices for Ford Transit Connect models. Understanding more about how insurance policy rates are formulated can be of help when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $324 | $790 | $534 | $32 | $160 | $1,840 | $153 |
| Transit Connect XLT 2WD | $324 | $790 | $534 | $32 | $160 | $1,840 | $153 |
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in specific location information which can impact premium rates noticeably.
Analysis of deductible levels
A question often asked by Fresno drivers is how high should your deductibles be. The rates shown below help summarize the price difference between high and low insurance deductibles. The first price estimate table uses a $250 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Transit Connect XLT 2WD | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Transit Connect XLT 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in specific Fresno garaging location which can revise auto insurance rates considerably.
Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $29 more each month or $348 for a full year across all Ford Transit Connect models than requesting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 26 months between claim filings, you would save more money going with the higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $125 |
| Average monthly premium for $1,000 deductibles (subtract): | – $96 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
An important sidenote is that higher deductibles means you pay more out-of-pocket at claim time. That will require some available funds in order to pay the deductible.
The information below illustrates how your choice of deductibles and can affect Ford Transit Connect yearly insurance costs for each age group. The price estimates are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
Impact of violations and accidents on rates
The chart below demonstrates how speeding tickets and at-fault fender-benders drive up Ford Transit Connect insurance premiums for different age groups of insureds. The price estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
How Insurance Providers Determine Ford Transit Connect Insurance Premiums
Multiple criteria are used in the calculation when pricing auto insurance. Some are obvious like your driving record, although others are less apparent such as your marital status and annual miles driven.
The factors shown below are some of the factors that factor into your prices.
- Lower rates with a multi-policy discount – Most larger insurance companies allow better rates to clients that have more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even though this discount sounds good, it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible.
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Youthful drivers cost more – More experienced drivers are shown to be more cautious, tend to file fewer claims, and tend to be get fewer driving tickets. Inexperience drivers are statistically shown to be easily distracted when driving with friends so they pay higher car insurance rates.
The next chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Rates may be lower depending on your occupation – Did you know your job can affect your rates? Jobs such as military generals, airline pilots, and dentists have the highest rates in part from job stress and lots of time spent away from family. Conversely, jobs like farmers, athletes and the unemployed get better rates.
- Low deductibles can be expensive – Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your Ford. Some examples of claims that would be covered are a broken side mirror, collision with an animal, and damage caused by flying debris. Your deductibles define the amount you are willing to pay if a claim is determined to be covered. The larger the amount you’re willing to pay, the lower your rates will be.
Discount Fresno car insurance rates
Car insurance companies don’t list all their discounts very clearly, so we researched both well-publicized and the harder-to-find car insurance savings.
- Student Discounts – Maintaining excellent grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
- Bundled Policy Discount – When you combine your auto and homeowners insurance with the same insurance company they may give you a discount of approximately 10% to 15%.
- New Car Discount – Buying a new car instead of a used Transit Connect can save you some money since newer models have better safety ratings.
- Telematics Data Discounts – Drivers who elect to allow driving data collection to track vehicle usage by installing a telematics device such as Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
- ABS and Traction Control Discounts – Vehicles with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
- Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Fresno and don’t have a car may qualify for this discount.
- Lower Rates for Military – Being on active deployment in the military could qualify you for better car insurance rates.
- Accident Free – Fresno drivers who stay claim-free are rewarded with significantly better rates on Fresno car insurance quote in comparison to insureds who have frequent claims or accidents.
- Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discounted car insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
- Sign Online – A handful of car insurance companies will give a small break for buying a policy and signing up over the internet.
Discounts save money, but please remember that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will help reduce your overall premium however.
The chart below illustrates the comparison of Ford Transit Connect insurance costs with and without some available policy discounts. The costs are based on a female driver, no violations or claims, 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 claim-free, marriage, homeowner, safe-driver, multi-policy, and multi-car discounts applied.
A list of companies and a partial list of their discounts can be found below.
- State Farm includes discounts for Drive Safe & Save, defensive driving training, student away at school, accident-free, good driver, multiple autos, and safe vehicle.
- Esurance offers discounts for multi-policy, renters, safety device, online quote, online shopper, and good student.
- Progressive has discounts for homeowner, online signing, online quote discount, multi-vehicle, continuous coverage, good student, and multi-policy.
- Liberty Mutual may have discounts that include new move discount, new graduate, teen driver discount, preferred payment discount, newly married, hybrid vehicle, and multi-policy.
- Auto-Owners Insurance may offer discounts for air bags, teen driver, multiple vehicles, good student, anti-theft, and paperless.
- GEICO offers discounts including multi-vehicle, anti-lock brakes, good student, defensive driver, and emergency military deployment.
It’s a good idea to ask all companies you are considering which discounts they offer. Discounts might not be available to policyholders everywhere. To view car insurance companies who offer cheap Ford Transit Connect insurance quotes in Fresno, click here to view.
Getting quotes from local Fresno insurance agencies
A small number of people just want to visit with an insurance agent and there is nothing wrong with that. One of the great benefits of comparing rates online is you can get cheap rate quotes but still work with a licensed agent.
For easy comparison, once you complete this simple form, your insurance coverage information is submitted to participating agents in Fresno who will give you quotes for your coverage. You don’t have to do any legwork due to the fact that quote results will go immediately to your email address. You can get cheaper auto insurance rates and a licensed agent to talk to. If you wish to get a rate quote for a specific company, you would need to find their quoting web page and fill out the quote form the provide.
Finding the right insurer requires more thought than just the premium amount. Some important questions to ask are:
- Which insurance company do they prefer to write with?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Will they give you a referral list?
- Is every driver in your family covered?
- Does the agency have a positive business rating?
Do you need an independent or exclusive car insurance agent?
If you want to use a local agent, there are two different agency structures that you can choose from. Agents can either be independent agents or exclusive agents.
Exclusive Agents
Exclusive agents can only provide pricing for a single company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot shop your coverage around so keep that in mind. These agents receive extensive training on the products they sell and that allows them to sell at a higher price point. Some consumers prefer to buy from exclusive agents primarily because of the brand rather than having the cheapest rates.
The following are Fresno exclusive agents that are able to give price quote information.
- Marc Bomarito – State Farm Insurance Agent
9497 N Fort Washington Rd Ste 101 – Fresno, CA 93730 – (559) 224-8660 – View Map - Andy Bergstrom – State Farm Insurance Agent
470 E Herndon Ave #109 – Fresno, CA 93720 – (559) 435-8332 – View Map - Farmers Insurance – Jagdeep Singh
4185 W Figarden Dr #101 – Fresno, CA 93722 – (559) 527-5530 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent are not limited to a single company so they can write business through many different auto insurance companies and get the cheapest rates. If you want to switch companies, an independent agent can move your coverage without you having to go to a different agency. When comparing auto insurance rates, you need to include price quotes from at least one independent agent to maximize your price options. A lot of them also have access to less well-known companies which may have better rates.
Below is a short list of independent agencies in Fresno willing to provide price quote information.
- New Horizon Insurance
3039 W Ashlan Ave – Fresno, CA 93726 – (559) 244-6644 – View Map - Dalena Benik and Associates Insurance
6740 N. West Street #108 – Fresno, CA 93711 – (559) 578-3022 – View Map - California A1 Stars Insurance Solutions
1589 W Shaw Ave #13 – Fresno, CA 93711 – (559) 412-2957 – View Map
California auto insurance company ratings
Picking a high-quality car insurance provider can be rather challenging considering how many choices there are in Fresno. The company ratings in the lists below can help you select which auto insurers you want to consider when shopping your coverage around.
Top 10 Fresno Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
It’s not one size fits all
When it comes to adequate coverage, there really is not a perfect coverage plan. Your situation is unique.
For instance, these questions might point out whether you might need an agent’s assistance.
- Am I covered if I back into my garage door?
- Is a fancy paint job covered?
- Do I pay less if my vehicle is kept in my garage?
- How much underlying liability do I need for an umbrella policy?
- Is my trailer covered?
- At what point should I drop full coverage?
- Do I need PIP coverage since I have good health insurance?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.
The most affordable rates come from being thorough
As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed collision coverage to discover at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at the lowest possible cost, but do not skimp to save money.
Some companies may not offer online rate quotes and most of the time these small insurance companies prefer to sell through local independent agencies. Cheaper auto insurance in Fresno is possible online as well as from independent agents in Fresno, and you should compare price quotes from both in order to have the best price selection to choose from.
Insureds change insurance companies for a number of reasons such as being labeled a high risk driver, high rates after DUI convictions, unfair underwriting practices or even policy non-renewal. It doesn’t matter why you want to switch switching companies can be less work than you think.
Steps to finding affordable quotes for Ford Transit Connect insurance in Fresno
It takes a few minutes, but the best way to get more affordable Ford Transit Connect insurance in Fresno is to regularly compare quotes from insurance carriers that sell auto insurance in California.
- It will benefit you to learn about how companies price auto insurance and the things you can change to keep rates down. Many factors that result in higher rates like traffic tickets, fender benders, and a lousy credit rating can be improved by being financially responsible and driving safely.
- Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or State Farm, while independent agencies can provide rate quotes from multiple sources. Start a quote
- Compare the quotes to your existing policy to see if a cheaper price is available. If you find a lower rate quote and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Notify your current company to cancel your current car insurance policy. Submit payment and a completed application for your new policy. Make sure you keep the new proof of insurance certificate in your vehicle.
The key thing to know about shopping around is to use the same deductibles and limits on each quote and and to get price quotes from as many companies as feasibly possible. Doing this helps ensure the most accurate price comparison and many rates to choose from.
More information is located at these links:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- How Much is Fresno Auto Insurance for Police Officers? (FAQ)
- What Car Insurance is Cheapest for High Risk Drivers in Fresno? (FAQ)
- What Insurance is Cheapest for a Jeep Wrangler in Fresno? (FAQ)
- How Much are Car Insurance Rates for Infrequent Drivers in Fresno? (FAQ)
- What Car Insurance is Cheapest for Drivers Under 21 in Fresno? (FAQ)
- Who Has Affordable Auto Insurance with Multiple Speeding Tickets in Fresno? (FAQ)
- What Insurance is Cheapest for Drivers Over Age 50 in Fresno? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Senior Drivers (Insurance Information Institute)