Ford Transit Connect Insurance Rates in El Paso

Are you doing reasearch to find more affordable Ford Transit Connect insurance in El Paso? Searching for the lowest cost El Paso Ford Transit Connect insurance quotes online can seem to be impossible for drivers new to comparing rates on the internet. With such a big selection of agents and companies in the marketplace, how can El Paso drivers have the ability to compare them all to find lower auto insurance premiums?

How to find more affordable Ford Transit Connect insurance in El Paso

It takes a little time, but the best way to get cheaper Ford Transit Connect insurance is to begin comparing prices regularly from insurance carriers who sell auto insurance in El Paso. Rates can be compared by following these steps.

1. Take a few minutes and learn about car insurance and the things you can change to prevent expensive coverage. Many policy risk factors that drive up the price such as traffic citations and your credit history can be controlled by paying attention to minor details.
2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while independent agencies can provide price quotes for many different companies.
3. Compare the price quotes to your current policy premium and see if you can save money. If you find a better price and buy the policy, ensure coverage does not lapse between policies.
4. Give notification to your current company to cancel your current coverage. Submit payment along with a signed and completed policy application to your new company or agent. Don’t forget to place the new proof of insurance certificate in your glove compartment.

An essential thing to point out is that you use identical coverage information on every quote and and to look at as many different insurance providers as possible. This helps ensure a fair price comparison and a thorough price selection.

It goes without saying that auto insurance companies don’t want you quoting rates from other companies. People who shop around for cheaper rates are very likely to switch companies because they have a good chance of finding a policy with better rates. A recent survey discovered that consumers who shopped around annually saved about $3,500 over four years compared to other drivers who didn’t regularly shop around.

If finding the best price on car insurance is your ultimate goal, then having some insight into how to shop and compare car insurance can make it easier to shop your coverage around.

Just remember that comparing a wide range of rates helps locate the best offered rates. Not every company does El Paso Transit Connect insurance quotes online, so it’s important to also get price estimates on coverage from those companies, too.

The following companies offer quotes in Texas. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.

Rates and statistics

The information below highlights detailed analysis of coverage prices for Ford Transit Connect models. Learning a little about how insurance prices are figured is important for drivers to make informed decisions when comparing rates.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific location which can alter auto insurance rates considerably.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying auto insurance is how high or low should comp and collision deductibles be. The tables below can help you visualize the rate differences when you select higher and lower physical damage coverage deductibles. The first rate table uses a $100 deductible and the second price grid uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in specific El Paso garaging location which can alter premium rates noticeably.

Using the data above, we can ascertain that using a $100 deductible costs about $36 more each month or $432 annually across all Ford Transit Connect models than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 25 months between claims, you would most likely save money if you decide on a higher deductible.

The diagram below illustrates how your choice of deductibles and can affect Ford Transit Connect insurance rates for each different age category. The data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Careless drivers pay higher rates

The information below highlights how speeding tickets and at-fault fender-benders can increase Ford Transit Connect auto insurance rates for different age categories. The information is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Get lower-cost Ford Transit Connect insurance in El Paso with discounts

Some providers don’t always list all available discounts very well, so we break down a few of the more common and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit you deserve, it’s possible you qualify for a lower rate.

• Paper-free Discount – Some larger companies give back up to $50 for buying a policy and signing up on the internet.
• Buy New and Save – Putting insurance on a new Transit Connect can cost up to 25% less because newer models are generally safer.
• Drivers Education – Cut your cost by having your teen driver successfully take a driver’s education course as it can save substantially.
• Safety Course Discount – Taking a course in defensive driving could cut 5% off your bill and also improve your driving technique.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up can save 10% or more on the premium charged for medical payments and/or PIP.
• Life Insurance – Larger insurance companies have a lower rate if you buy life insurance.

As is typical with insurance, many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears all the discounts add up to a free policy, it doesn’t quite work that way.

The diagram below visualizes the comparison of Ford Transit Connect car insurance costs with and without policy discounts. The prices are based on a male driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, homeowner, multi-policy, and claim-free discounts applied.

Some of the larger companies who might offer most of the discounts above include:

• State Farm
• American Family
• GEICO
• 21st Century
• Progressive

When getting free El Paso car insurance quotes, it’s a good idea to every prospective company to apply every possible discount. Some of the discounts discussed earlier may not apply to policyholders in El Paso. If you would like to choose from a list of auto insurance companies with discount auto insurance rates in Texas, click here to view.

Protect more than your Ford Transit Connect

Despite the high cost of buying insurance for a Ford Transit Connect in El Paso, insuring your vehicle may be mandatory for several reasons.

First, almost all states have minimum liability requirements which means you are required to carry a specific minimum amount of liability insurance coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your vehicle with a loan, most banks will have a requirement that you have physical damage coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank may insure your Ford for a much higher rate and force you to reimburse them for it.

Third, auto insurance protects both your Ford Transit Connect and your personal assets. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage also pays for attorney fees and expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of buying auto insurance greatly outweigh the cost, particularly when you have a large claim. According to a recent study, the average American driver overpays more than $750 every year so shop around at least once a year to ensure rates are inline.

Different people need different auto insurance coverages

Always keep in mind that when comparing the best auto insurance coverage for your personal vehicles, there really isn’t a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that.
These are some specific questions might help in determining if you will benefit from professional help.

• Am I better off with higher deductibles on my Ford Transit Connect?
• Are my friends covered when driving my Ford Transit Connect?
• Am I insured when driving a different vehicle?
• What companies insure drivers after a DUI or DWI?
• What is the minimum liability in Texas?
• Am I covered if I hit a deer?
• Do all my vehicles need collision coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Compare prices but work with a local El Paso insurance agent

Some consumers would prefer to sit down and talk to an agent and doing that can be a smart decision One of the best bonuses of comparing rate quotes online is you may find the lowest rates but also keep your business local. Buying from neighborhood insurance agencies is important especially in El Paso.

To find an agent, once you fill out this quick form, your insurance coverage information is submitted to local insurance agents in El Paso who will give you bids and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies since price quotes are sent immediately to your email address. You’ll get the best rates and work with a local agent. If you have a need to quote rates from a particular provider, feel free to visit that company’s website and fill out their quote form.

El Paso auto insurance agents are either independent or exclusive

If you prefer to buy auto insurance from local El Paso agents, you must know there are a couple types of agencies and how they operate. Auto insurance agents are classified as either exclusive or independent.

Independent Auto Insurance Agencies

Independent agencies are normally appointed by many insurers so they can quote policies through many companies and find you cheaper rates. If prices rise, they simply move the coverage in-house and you don’t have to do anything.

When comparison shopping, we recommend you include at least one independent agent in order to have the best price comparison. Many can place coverage with small regional insurance companies that may have much lower rates than larger companies.

Below is a partial list of independent agents in El Paso who may provide pricing information.

• Red Rock Insurance Agency
  9109 Dyer St f – El Paso, TX 79924 – (915) 759-9000 – View Map
• Mount Franklin Insurance Agency
  2931 George Dieter Dr – El Paso, TX 79936 – (915) 599-2900 – View Map
• Nationwide Insurance: Damon Scott Crossland Agency
  210 Thunderbird Dr t – El Paso, TX 79912 – (915) 584-5480 – View Map

View more El Paso agents

Exclusive Insurance Agents

These agents normally can only provide a single company’s rates and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot place coverage with different providers so keep that in mind. Exclusive insurance agents are usually well trained on their products and sales techniques which can be an advantage. Some people will only buy from exclusive agents primarily because of the prominent brand name and solid financial strength.

Shown below are exclusive agents in El Paso willing to provide price quote information.

• Tomas Casillas – State Farm Insurance Agent
  1568 Joe Battle Blvd #104 – El Paso, TX 79936 – (915) 857-4959 – View Map
• Allstate Insurance: Oscar Arrieta
  1701 Lee Trevino Dr b – El Paso, TX 79936 – (915) 593-1268 – View Map
• Mike Rosales – State Farm Insurance Agent
  1831 N Zaragoza Rd #109 – El Paso, TX 79936 – (915) 921-0812 – View Map

View more El Paso agents

Finding the right insurance agency is decision based upon more than just the premium amount. Any agent in El Paso should have no problem answering these questions:

• Who are their largest clients?
• Which family members are covered?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Do the companies they represent have a solid financial rating?
• Can you use your own choice of collision repair facility?

Upon getting good answers for all questions you ask as well as a price you’re happy with, you may have found a car insurance agent that can properly insure your vehicles. But keep in mind you are able to cancel your coverage whenever you wish so never feel you are locked into any specific agency indefinitely.

Auto insurance coverage options for a Ford Transit Connect

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most auto insurance policies.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses such as dental work, funeral costs, doctor visits and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance will pay to fix damage to your Transit Connect resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, colliding with a tree, rolling your car, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible on your Transit Connect to save money on collision insurance.

Liability car insurance

Liability coverage provides protection from damage that occurs to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 30/60/25 which stand for a $30,000 limit per person for injuries, a total of $60,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as medical expenses, legal defense fees, medical services, bail bonds and funeral expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford. Texas state minimum liability requirements are 30/60/25 but drivers should carry more liability than the minimum.

The next chart shows why buying low liability limits may not be enough coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Ford Transit Connect.

Due to the fact that many Texas drivers carry very low liability coverage limits (which is 30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, rock chips in glass, hitting a deer and hitting a bird. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.