How many times have you told yourself it’s time to shop around for lower-priced Ford Transit Connect insurance in Long Beach? When searching for lower-cost insurance, are you confused by the crazy number of insurance providers that you can choose from? Lot’s of other people are too. You have such a vast assortment of providers available that it is more work than you anticipated to lower your premium rates for Ford Transit Connect insurance in Long Beach. Long Beach has lots to offer, but expensive insurance makes it impossible to purchase enough protection.
How to buy affordable Ford Transit Connect insurance in Long Beach
If saving money is your primary concern, then the best way to get cheaper car insurance rates in Long Beach is to compare prices regularly from insurance carriers in California. Rate comparisons can be done by following these guidelines.
- Step 1: Read and learn about auto insurance and the changes you can make to prevent expensive coverage. Many rating factors that result in higher prices such as at-fault accidents, careless driving, and a negative credit score can be controlled by improving your driving habits or financial responsibility. Later in this article we will cover the details to prevent high prices and find more discounts that you may not know about.
- Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO and State Farm, while independent agencies can provide price quotes for a wide range of insurance providers.
- Step 3: Compare the quotes to your existing rates and determine if there is any savings. If you can save some money, ensure coverage does not lapse between policies.
- Step 4: Give notification to your current company to cancel your current coverage and submit payment and a completed application to your new insurance company. As soon as you can, keep the new proof of insurance certificate with your registration paperwork.
A key point to remember is to make sure you enter similar deductibles and liability limits on every quote request and and to compare as many carriers as you can. This provides the most accurate price comparison and a good representation of prices.
It’s easy to assume that car insurance companies don’t want their policyholders to compare prices. Drivers who shop around once a year will presumably switch to a new company because there is a high probability of finding a more affordable policy premium. A study showed that consumers who regularly compared price quotes saved on average $850 each year as compared to drivers who never shopped around for cheaper prices.
If finding the cheapest price for auto insurance is your intention, then having some knowledge of how to compare auto insurance can make shopping around easier.
It’s smart to do price comparisons periodically due to the fact that insurance prices change regularly. Just because you found the lowest price on Ford Transit Connect insurance in Long Beach last year the chances are good that you can find a lower rate quote today. There is a lot of bad information regarding Transit Connect insurance out there, but you can learn a lot of great tips on how to save money.
If you have coverage now, you will most likely be able to get lower rates using the ideas you’re about to read. Buying the best-priced policy in Long Beach is not as difficult as people think. Nevertheless, California car owners do need to know how big insurance companies calculate your policy premium and take advantage of how the system works.
Keep in mind that making a lot of price comparisons helps improve the odds of finding lower pricing. Not every company provides online rate quotes, so you need to compare rates from them as well.
The companies in the list below have been selected to offer comparison quotes in California. If you want to find cheaper car insurance in California, we suggest you visit as many as you can in order to get a fair rate comparison.
Car insurance data for a Ford Transit Connect
The rate information shown next outlines estimates of coverage costs for Ford Transit Connect models. Learning more about how auto insurance policy rates are formulated can help drivers make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $288 | $564 | $450 | $26 | $134 | $1,462 | $122 |
| Transit Connect XLT 2WD | $288 | $564 | $450 | $26 | $134 | $1,462 | $122 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in specific garaging location which can raise or lower rates substantially.
Physical damage deductibles: Should you raise them?
The hardest decision when buying coverage is at what level do you set your deductibles. The following insurance rates outline how much more rates are between high and low coverage deductibles. The first set of prices uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Transit Connect XLT 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Transit Connect XLT 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific zip code location which can modify price quotes greatly.
Based on the above data, using a $100 deductible costs approximately $28 more each month or $336 annually across all Ford Transit Connect models than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 14 months between claim filings, you would probably come out ahead if you choose the higher deductible. Here is a better example of how you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $137 |
| Average monthly premium for $500 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
The chart below highlights how deductible selection and can increase or decrease Ford Transit Connect insurance premiums for different age groups. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Driving violations and accidents
The information below shows how speeding tickets and fender-benders can drive up Ford Transit Connect insurance premiums for different age groups. The costs are based on a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Full coverage or liability only
The illustration below visualizes the comparison of Ford Transit Connect insurance costs with full coverage compared to only the California minimum liability coverage. The price estimates are based on no claims or violations, $500 deductibles, drivers are not married, and no discounts are factored in.
When to drop comp and collision
There is no specific rule that works best for making the decision to drop full coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s assume your Ford Transit Connect settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying your deductible. If you are currently paying more than $600 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some cases where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
Auto insurance does more than just repair your car
Even though it’s not necessarily cheap to insure a Ford in Long Beach, maintaining insurance may be mandatory for several reasons.
- Most states have mandatory insurance requirements which means state laws require specific minimum amounts of liability insurance coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Ford has a lienholder, more than likely the lender will have a requirement that you buy full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Ford at a much higher rate and require you to fork over for the much more expensive policy.
- Auto insurance preserves both your assets and your car. Insurance will also pay for medical transport and hospital expenses 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 mother nature or an accident damages your car, your policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your Transit Connect are definitely more than the cost, especially for larger claims. Today the average American driver is currently overpaying as much as $700 annually so smart consumers compare quotes once a year at a minimum to be sure current rates are still competitive.
Ford Transit Connect Insurance Cost Factors
Multiple criteria are considered when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, although others are more obscure such as your marital status or how financially stable you are.
Advanced alarm systems – Buying a car with a theft deterrent system can help lower your premiums. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your car from being stolen.
Your credit history is important – A driver’s credit score will be a significant factor in determining premium rates. If your credit score is low, you could be paying less to insure your Ford Transit Connect by improving your credit score. Consumers who have very high credit ratings tend to be less risk to insure as compared to drivers with poor credit.
Men pay more for car insurance – Statistics demonstrate that men are more aggressive behind the wheel. This data doesn’t prove that men are WORSE drivers than women. Males and females cause accidents at about the same rate, but guys have costlier accidents. Not only that, but men also receive more major tickets like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident so they pay the highest premiums.
The chart below compares Ford Transit Connect car insurance costs for male and female drivers. The rates are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, single status, and no policy discounts are applied.
Do you qualify for a multi-policy discount? – The majority of insurers afford better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. The amount of the discounts can be as much as ten percent or more Even though this discount sounds good, you still need to shop around to verify if the discount is saving money. You may still be able to find a better deal even if you insure with multiple companies
Your spouse saves you money – Having a wife or husband may earn you lower rates on your insurance bill. It is viewed as being more stable financially and it’s statistically proven that married drivers get in fewer accidents.
Get cheaper Ford Transit Connect insurance in Long Beach with discounts
Some providers don’t always list every discount they offer very clearly, so the list below contains some of the more common and also the lesser-known discounts that you can inquire about if you buy Long Beach auto insurance online.
- No Claims – Long Beach drivers who stay claim-free get the best car insurance rates when compared with drivers who are more careless.
- Multiple Vehicles – Having multiple cars on a single policy can reduce the rates for all insured vehicles.
- Senior Citizens – Mature drivers can get a slight reduction on a Long Beach auto insurance quote.
- Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. The good student discount can last until age 25.
- Savings for New Vehicles – Buying insurance coverage on a new vehicle can be considerably cheaper because newer vehicles are generally safer.
- Military Rewards – Being on active duty in the military may qualify for rate reductions.
- Own a Home and Save – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof of financial responsibility.
You can save money using discounts, but some of the credits will not apply to the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.
The information below compares Ford Transit Connect insurance costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no claims or violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-policy, and multi-car discounts applied.
A list of car insurance companies and some of their more popular discounts can be read below.
- American Family may include discounts for TimeAway discount, defensive driver, multi-vehicle, air bags, early bird, and mySafetyValet.
- Nationwide discounts include multi-policy, good student, business or organization, Farm Bureau membership, defensive driving, family plan, and anti-theft.
- MetLife offers discounts including accident-free, multi-policy, defensive driver, good driver, claim-free, and good student.
- 21st Century offers premium reductions for 55 and older, early bird, teen driver, air bags, good student, and student driver.
- Farmers Insurance policyholders can earn discounts including multi-car, distant student, switch companies, bundle discounts, and youthful driver.
- Allstate may have discounts that include senior citizen, EZ pay plan discount, multi-policy, anti-lock brakes, defensive driver, safe driver, and passive restraint.
If you need affordable Ford Transit Connect insurance quotes, ask every insurance company which discounts can lower your rates. Some credits might not be offered in every state. To view insurers who offer free Ford Transit Connect insurance quotes in California, click here.
Car insurance is available from agents near you
Some people would rather sit down with an agent and that can be a great decision A good thing about comparing car insurance online is the fact that drivers can get lower prices but still work with a licensed agent. Buying from local insurance agencies is especially important in Long Beach.
By using this simple form, the quote information is transmitted to local insurance agents who will gladly provide quotes for your business. You won’t need to leave your house because quoted prices will be sent directly to you. You can find lower rates and work with a local agent. If you have a need to compare prices from one company in particular, just search and find their rate quote page and submit a quote form there.
Pick the best auto insurance agent in Long Beach for you
When looking for an insurance agent, it can be helpful to understand the different agency structures that you can choose from. Long Beach agents can be classified as either independent agents or exclusive agents depending on their employer.
Independent Agents
Agents that choose to be independent are not locked into one company so they can write business amongst many companies depending on which coverage is best. If you are not satisfied with one company, your policy is moved internally which is easy for the insured. If you need cheaper car insurance rates, you absolutely need to get rate quotes from at least one independent agent in order to have the best price comparison. They also have the ability to place coverage with small regional insurance companies which could offer lower prices.
Below is a small list of independent agents in Long Beach that may be able to give you free car insurance quotes.
- Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553 – View Map - Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map - Priscilla Vallejos Insurance Agency
2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only place business with one company such as State Farm or Allstate. They are unable to give you multiple price quotes so keep that in mind. Exclusive agents are usually quite knowledgeable on their company’s products which aids in selling service over price. Some people will only purchase coverage from exclusives mainly due to the brand name and strong financial ratings.
Shown below are Long Beach exclusive agents who can help you get comparison quotes.
- Sonny Anderson – State Farm Insurance Agent
4166 Norse Way a – Long Beach, CA 90808 – (562) 429-1809 – View Map - Farmers Insurance – Erika Moreno
740 E Wardlow Rd – Long Beach, CA 90807 – (562) 290-0338 – View Map - Farmers Insurance: Paul Soeung
2338 E Anaheim St #101a – Long Beach, CA 90804 – (562) 856-0328 – View Map
Selecting an auto insurance agent is decision based upon more than just a low price. A good agent in Long Beach will have answers to these questions.
- Do you need full coverage on every vehicle?
- How often do they review policy coverages?
- Who is covered by the car insurance policy?
- How much training do they have in personal risk management?
- Is the agency covered by Errors and Omissions coverage?
- Are claim adjusters local or do you have to take your car somewhere else?
Shop smart and save
As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. Too many times, drivers have reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at the lowest possible cost.
Cheaper Ford Transit Connect insurance in Long Beach can be purchased from both online companies and also from your neighborhood Long Beach agents, so get free Long Beach auto insurance quotes from both of them to get a complete price analysis. A few companies do not offer the ability to get quotes online and many times these small, regional companies only sell through independent insurance agencies.
We just showed you many tips how you can reduce Ford Transit Connect insurance car insurance rates online in Long Beach. The most important thing to understand is the more times you quote, the higher your chance of finding affordable Long Beach auto insurance quotes. You may even be surprised to find that the most savings is with a small mutual company.
Steps to finding affordable Ford Transit Connect insurance in Long Beach
The most effective way to find affordable quotes for Ford Transit Connect insurance in Long Beach is to regularly compare quotes from providers in California.
Step 1: Take a little time to learn about what coverages are included in your policy and the modifications you can make to prevent high rates. Many policy risk factors that cause high rates such as traffic violations, accidents, and a negative credit score can be improved by making minor changes to your lifestyle.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while independent agents can quote prices for many different companies.
Step 3: Compare the new rate quotes to your current policy and determine if cheaper Transit Connect coverage is available in Long Beach. If you find a better price and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide notification to your current company to cancel your current coverage. Submit a down payment and signed policy application to your new insurance company. Once received, place the new proof of insurance certificate in your glove compartment.
A good tip to remember is that you’ll want to compare the same physical damage deductibles and liability limits on each price quote and and to get rate quotes from as many companies as you can. Doing this enables a level playing field and a thorough price selection.
To learn more, link through to the articles below:
- Top Signs Your Brakes are Giving Out (State Farm)
- Who Has the Cheapest Car Insurance Rates for a Hyundai Elantra in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Corolla in Long Beach? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- What does Personal Injury Protection (PIP) Cover? (Allstate)