Affordable Insurance for a Ford Transit Connect in Fresno

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.

Discount Ford Transit Connect insuranceUnthinkable 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.

Ford Transit Connect Insurance Rates in Fresno, CA
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.

Ford Transit Connect insurance prices with $250 deductibles
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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Ford Transit Connect insurance prices with $1,000 deductibles
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
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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.

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.Car insurance discounts

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.

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.

Fresno insurance agentsFor 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:

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.

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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.

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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

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. 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.Insurance savings

For instance, these questions might point out whether you might need an agent’s assistance.

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.

  1. 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.
  2. 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
  3. 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.
  4. 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.

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