Would you like to find the cheapest Ford Transit Connect insurance in Houston? Wish you could get out of an overpriced auto insurance policy? Say no more because many Houston consumers are in the same pinch.
It’s astonishing, but most auto insurance customers kept their coverage with the same auto insurance company for more than four years, and almost half have never quoted rates to find cheap coverage. Consumers in Texas could cut their rates by $1,800 a year, but they don’t know how much money they would save if they changed companies. Because you have many insurance companies to choose from that have cheap insurance for a Ford Transit Connect in Houston, it’s nearly impossible to choose the most cost effective company.
It’s smart to get comparison quotes as often as possible because prices trend upward over time. Even if you think you had the best price on Ford Transit Connect insurance in Houston on your last policy there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because we’re going to show you how to quote online to find lower rates on auto insurance.
How do Insurers Determine Ford Transit Connect Insurance Costs?
Smart consumers have a good feel for some of the things that come into play when calculating your policy premiums. If you have a feel for what impacts premium levels, this allows you to make good choices that may result in cheaper rates. Many factors are taken into consideration when quoting car insurance. Most are fairly basic like a motor vehicle report, but others are not quite as obvious such as your marital status or your commute time.
Drivers with high credit save – A driver’s credit score factor in determining what you pay. If your credit could use some work, you could save money insuring your Ford Transit Connect if you improve your credit rating. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores.
Traffic violations can increase prices – Having a clean driving record has a lot to do with how much you pay for insurance. Attentive drivers receive lower rates than bad drivers. Getting just one chargeable violation could increase your next policy renewal twenty percent or more. Drivers who have serious tickets such as DUI, reckless driving or excessive speeding may face state-mandated requirements to prove financial responsibility with their state’s department of motor vehicles in order to legally drive.
Better rates for being claim-free – Car insurance companies in Texas give most affordable rates to people who are claim-free. If you are a frequent claim filer, you can expect much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for more catastrophic claims.
Safer the car lower the rate – Safe vehicles get lower rates. These vehicles reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums. If the Ford Transit Connect is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Expect high rates for teens – Older, more experienced drivers tend to be more responsible, file fewer claims, and are generally more financially stable.Inexperience drivers are known to get distracted easily in a vehicle therefore insurance rates are much higher.
The easiest way to compare insurance rates from multiple companies utilizes the fact most larger insurance companies actually pay money for the chance to compare their rates. All you need to do is give them rating details like how old drivers are, if it has an alarm system, which vehicles you own, and daily mileage. The rating information is instantly sent to many different companies and they return cost estimate instantly to find the best rate.
To start a rate quote now, click here and enter the information requested.
The companies shown below can provide free quotes in Texas. If more than one company is shown, we suggest you visit as many as you can to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $136 | $306 | $430 | $26 | $128 | $1,026 | $86 |
| Transit Connect XLT 2WD | $326 | $592 | $500 | $30 | $150 | $1,598 | $133 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in zip code location which can revise price quotes noticeably.
Physical damage deductible comparison
When shopping for auto insurance, a common question is how low should you set your deductibles. The following tables may help to conceptualize the rate fluctuation when you choose different comp and collision deductibles. The first table uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Transit Connect XLT 2WD | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Transit Connect XLT 2WD | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in zip code location which can revise coverage rates considerably.
Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $26 more each month or $312 every year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 29 months between claim filings, you would come out ahead by selecting a higher deductible.
Deductible analysis
The chart below highlights how deductible choice and can change Ford Transit Connect insurance premiums for different insured age categories. The price estimates are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
Are you falling for claims of savings?
Texas drivers can’t escape the ads for the lowest price insurance from companies such as Progressive, GEICO, Allstate and State Farm. All the ads make an identical promise about savings just by switching your coverage to them.
How is it possible that every company can make almost identical claims? It’s all in how they say it.
Insurance companies have strict underwriting profiles for the type of driver that makes them money. For instance, a desirable risk might be between the ages of 30 and 50, has no tickets, and chooses high deductibles. Anybody who fits those characteristics receives the best premium rates in Houston and therefore will cut their rates substantially.
Potential customers who fall outside those criteria will be quoted higher premiums which leads to business going elsewhere. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save that much when switching. This is how companies can truthfully make the claims of big savings.
That is why you need to get Houston car insurance quotes from several different companies. Because you never know which insurance company will have the lowest Ford Transit Connect insurance in Houston.
Insurance does more than just protect your car
Despite the fact that insurance is not cheap in Houston, paying for insurance is required by state law in Texas and it also provides benefits you may not be aware of.
First, almost all states have minimum liability requirements which means state laws require a specific minimum amount of liability coverage if you drive a vehicle. 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 your Transit Connect has a lien holder, almost all lenders will require you to carry insurance to guarantee payment of the loan. If coverage lapses or is canceled, the lender may insure your Ford at a more expensive rate and force you to reimburse them for the much more expensive policy.
Third, insurance safeguards your car and your assets. It will also pay for hospital and medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you cause an accident and are sued. If your Ford gets damaged, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of having insurance more than offset the price you pay, especially when you need to use it. But the average driver in Texas is overpaying over $810 a year so compare rates at every policy renewal to help ensure money is not being wasted.
Lower your insurance rates with discounts
The cost of insuring your cars can be expensive, but you might be missing out on some discounts to reduce the price significantly. A few discounts will be applied at the time you complete a quote, but some need to be requested specifically in order for you to get them. If you are not receiving all the discounts available, you are just wasting money.
- Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more on Transit Connect insurance in Houston.
- Drive Less and Save – Maintaining low annual mileage may enable drivers to earn discounted prices on garaged vehicles.
- Houston Homeowners Discount – Owning a home in Houston can save a few bucks because of the fact that having a home requires a higher level of personal finance.
- Multiple Policy Discount – If you combine your homeowners and auto policies and insure them with the same company you will save approximately 10% to 15%.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
Policy discounts save money, but many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, insurance companies aren’t that generous.
Larger insurance companies and some of their more popular discounts are detailed below.
- State Farm may include discounts for safe vehicle, driver’s education, good student, Drive Safe & Save, accident-free, and defensive driving training.
- Esurance may have discounts that include Pac-12 alumni, anti-theft, good driver, DriveSense, anti-lock brakes, and claim free.
- Progressive includes discounts for online quote discount, online signing, multi-policy, multi-vehicle, and continuous coverage.
- Liberty Mutual discounts include new graduate, good student, multi-policy, hybrid vehicle, newly married, and preferred payment discount.
- Auto-Owners Insurance may offer discounts for anti-lock brakes, paid in full, good student, multi-policy, air bags, and safe vehicle.
- GEICO has savings for multi-vehicle, military active duty, anti-theft, multi-policy, and emergency military deployment.
Double check with every prospective company to give you their best rates. Some of the earlier mentioned discounts may not be available in your state. For a list of companies that have a full spectrum of discounts in Houston, follow this link.
When should I have guidance from a local insurance agent?
Certain consumers still prefer to visit with an insurance agent and that is OK! Licensed agents can help you choose the best coverages and help submit paperwork. One of the best bonuses of price shopping on the web is that drivers can save money and get lower car insurance rates and also buy local. And providing support for local agents is important especially in Houston.
To make it easy to find an agent, after completing this quick form, the quote information is transmitted to companies in Houston who will return price quotes for your business. You don’t have to contact any agents since price quotes are sent immediately to you. If you want to quote rates from a particular provider, just jump over to their website to submit a rate quote request.
Choosing an insurer is decision based upon more than just a cheap price quote. A good agent in Houston will have answers to these questions.
- What will you get paid if your car is a total loss? How is that amount determined?
- Will your rates increase after a single accident?
- Will high miles depreciate repair valuations?
- Does their agency support local causes in Houston?
- Does the agency have a positive business rating?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Smart consumers save more
When shopping online for insurance, do not skimp on coverage in order to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. The goal is to buy the best coverage you can find at an affordable rate.
We just showed you a lot of tips how to get a better price on Ford Transit Connect insurance in Houston. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the best premium rates are with the least-expected company. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.
Additional insurance information can be read at these links:
- Vehicle Insurance in the U.S. (Wikipedia)
- What Auto Insurance is Cheapest for a Jeep Wrangler in Houston? (FAQ)
- Who Has Cheap Houston Car Insurance Quotes for a Chevrolet Traverse? (FAQ)
- Who Has Affordable Houston Auto Insurance for a Subaru Outback? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Government Employees in Houston? (FAQ)
- Booster Seat Ratings (iihs.org)
- Rental Car Insurance Tips (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)