Save Money on Ford Transit Connect Insurance in Tucson

Would you prefer to buy more competitive Ford Transit Connect insurance in Tucson? Sick and tired of sacrificing to buy car insurance? You have the same problem as many other drivers in Arizona.

It’s a known fact that auto insurance companies don’t want you to look for a cheaper policy. Consumers who shop rates annually will presumably switch to a new company because there are good odds of finding a lower-priced policy. A recent car insurance study discovered that consumers who shopped around saved as much as $72 a month as compared to drivers who never shopped around for cheaper prices.

If finding budget-friendly rates on car insurance is your ultimate goal, then learning about how to shop for coverage rates can make it easier to find better rates.

There are many car insurance companies to purchase coverage from, and although it’s nice to have a selection, more options can take longer to find a good deal for Ford Transit Connect insurance in Tucson.

Finding the cheapest coverage in Tucson is not that difficult. Virtually every car owner who needs cheaper insurance should find better rates. But Arizona drivers can benefit from knowing how companies market insurance on the web because it varies considerably.

When comparison shopping, comparing more rates from different companies increases the chance that you will find lower pricing.

The providers in the list below offer free quotes in Arizona. To buy the best cheap car insurance in Tucson, AZ, we suggest you visit two to three different companies to get the most affordable price.

Insurance rate breakdown

The price information displayed next covers estimates of policy rates for Ford Transit Connect models. Knowing how car insurance premiums are determined can help you make smart choices when comparing insurance rates.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific location which can modify rates noticeably.

Should you raise deductibles?

When comparing insurance rates, the most common question is how low should you set your deductibles. The comparisons below approximate the differences in premium rates of buying low and high physical damage deductibles. The first rate quote example uses a $250 deductible and the second price table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific location which can lower or raise premium rates noticeably.

We can estimate from the data above that using a $250 deductible costs an average of $20 more each month or $240 a year averaged for all Transit Connect models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 38 months between claims, you would come out ahead if you choose the higher deductible.

Lower your car insurance rates with discounts

Auto insurance companies don’t always advertise every available discount very clearly, so the list below details both well-publicized and also the more inconspicuous car insurance savings. If you do not check that you are getting every discount you deserve, you are just wasting money.

• Driving Data Discount – Policyholders that allow driving data submission to analyze where and when they drive by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as the data is positive.
• Bundled Policy Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company they may give you a discount of as much as 10 to 15 percent.
• Student Discount for Driver Training – Teen drivers should enroll and complete driver’s education in school.
• Senior Citizens – Mature drivers may be able to get a discount up to 10%.
• Seat Belts Save – Forcing all vehicle occupants to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.
• Federal Employees – Federal government employees can earn a discount up to 10% with a few car insurance companies.
• Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. Despite the appearance that you could get a free car insurance policy, it’s just not the way it works. Any amount of discount will help lower the cost of your policy.

The information below illustrates the comparison of Ford Transit Connect auto insurance rates with and without discounts applied. Data assumes a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, safe-driver, homeowner, and multi-policy discounts applied.

A list of companies and a partial list of their discounts can be read below.

• GEICO has discounts for military active duty, membership and employees, anti-theft, federal employee, and defensive driver.
• Travelers may have discounts that include continuous insurance, student away at school, hybrid/electric vehicle, early quote, multi-policy, home ownership, and IntelliDrive.
• Nationwide offers premium reductions for multi-policy, Farm Bureau membership, easy pay, family plan, good student, and accident-free.
• Farmers Insurance may offer discounts for homeowner, youthful driver, distant student, teen driver, and pay in full.
• Esurance offers discounts for emergency road assistance, online quote, claim free, renters, and online shopper.
• State Farm policyholders can earn discounts including safe vehicle, anti-theft, passive restraint, Steer Clear safe driver discount, multiple policy, multiple autos, and good driver.
• Progressive offers discounts including online quote discount, homeowner, good student, continuous coverage, online signing, and multi-vehicle.
• Mercury Insurance discounts include type of vehicle, good driver, anti-theft, accident-free, multi-policy, and location of vehicle.

Double check with each company the best way to save money. Some credits may not apply to policies in your state.

Car insurance does more than just protect your car

Despite the high cost of buying insurance for a Ford Transit Connect in Tucson, buying car insurance may be required for several reasons.

• Just about all states have mandatory insurance requirements which means you are required to carry specific limits of liability insurance coverage in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Transit Connect has a lienholder, most lenders will have a requirement that you buy full coverage to protect their interest in the vehicle. If you let the policy lapse, the bank may insure your Ford for a much higher rate and force you to pay for the expensive policy.
• Car insurance protects your Ford and your assets. Insurance will pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of an accident. If your Ford gets damaged, your policy will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance are definitely more than the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is wasting up to $820 a year so you should quote and compare rates each time the policy renews to help ensure money is not being wasted.

What if I want to buy from local Tucson car insurance agents?

Certain consumers just prefer to buy from a local agent and that is just fine! One of the great benefits of getting free rate quotes online is the fact that you can find cheaper auto insurance rates but also keep your business local.

For easy comparison, once you complete this quick form, the coverage information is transmitted to agents in your area that can give you free Tucson auto insurance quotes and help you find cheaper coverage. You don’t have to do any legwork since price quotes are sent to your email. You can find the lowest rates and a licensed agent to talk to. If you have a need to quote rates from one company in particular, don’t hesitate to visit that company’s website and complete a quote there.

Selecting a insurance company needs to be determined by more than just a cheap price quote. Any agent in Tucson should have no problem answering these questions:

• Will you get a loaner vehicle if you car is being repaired?
• Is the agency active in community causes in Tucson?
• Is there a local claims center in Tucson?
• Can you choose the body shop in case repairs are needed?
• Which company do they place the most coverage with?
• Do they carry Errors and Omissions coverage?
• Do they receive special compensation for putting your coverage with one company over another?

Exclusive agents vs. Independent agents

When finding a local Tucson insurance agent, you need to know there are two different types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in Tucson may be either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

Agents in the exclusive channel can usually just insure with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive agents are trained well on what they offer and that allows them to sell at a higher price point.

The following are Tucson exclusive insurance agencies that can give you comparison quotes.

More insurance agents

Independent Car Insurance Agencies

Independent insurance agents do not sell for just one brand so as a result can place your coverage with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move your policy to a different company which makes it simple for you.

When searching for an agent, you will definitely want to contact several independent agencies to have the best price comparison.

Below are independent insurance agencies in Tucson willing to provide rate quotes.

More insurance agents

After getting positive responses to your questions and an acceptable price quote, you’ve probably found an insurance agency that is reputable and can properly service your car insurance policy. But keep in mind once you purchase a policy you can cancel your coverage at any time so don’t assume that you’re stuck with any specific agency for the full policy term.