Cheap Ford Transit Connect Insurance in Tampa

The best way we recommend to find better pricing on Ford Transit Connect insurance is to compare quotes annually from different companies that insure vehicles in Tampa. You can compare prices by following these guidelines.

One thing to remember is to use identical coverage information on every quote request and and to get prices from as many companies as possible. This helps ensure an accurate price comparison and the best price selection.

Insurance rates Ford Transit Connect in TampaEveryone knows that auto insurance companies don’t want you to look for a cheaper policy. Insureds who shop around for a cheaper policy are likely to switch companies because they have a good chance of finding coverage at a more affordable price. A recent survey discovered that drivers who compared rates annually saved an average of $3,400 over four years as compared to drivers who didn’t regularly shop around.

If finding the best rates on auto insurance is why you’re here, then having some insight into how to quote and compare coverage rates can save time and money.

Companies offering affordable Ford Transit Connect price quotes in Tampa, FL

The following companies are our best choices to provide free rate quotes in Tampa, FL. If your goal is to find cheap car insurance in FL, we recommend you click on several of them in order to get a fair rate comparison.

Rates and detailed analysis

The premium information displayed next showcases a range of coverage costs for Ford Transit Connect models. Understanding how rate quotes are established can help guide drivers when making smart choices when comparing insurance rates.

Ford Transit Connect Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $178 $372 $400 $24 $120 $1,094 $91
Transit Connect XLT 2WD $178 $372 $400 $24 $120 $1,094 $91
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific location which can change coverage rates greatly.

Full coverage versus liability only rates

The diagram below visualizes the comparison of Ford Transit Connect car insurance rates with liability coverage only compared to full coverage. The rates are based on no accidents, no driving violations, $250 deductibles, single marital status, and no discounts are taken into consideration.

When to drop full coverage

There isn’t a steadfast formula to delete physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s pretend your Ford Transit Connect replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $5,000 after you pay the deductible. If you are currently paying more than $500 annually for physical damage coverage, then you might consider buying liability only.

There are a few situations where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Get cheaper Ford Transit Connect insurance rates in Tampa

Some insurance providers don’t always list the entire discount list in an easy-to-find place, so here is a list both the well known and the harder-to-find discounts you could be receiving when you buy Tampa car insurance online.Cheaper insurance with discounts

One thing to note about discounts is that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts should help reduce the cost of coverage.

The example below shows the difference between Ford Transit Connect auto insurance rates with and without policy discounts. The rates are based on a male driver, no violations or claims, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, multi-policy, and safe-driver discounts applied.

For a list of insurance companies offering insurance discounts in Florida, click here to view.

How do Insurance Providers Determine Ford Transit Connect Insurance Premiums?

It’s important that you understand some of the things that go into determining your policy premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with better auto insurance rates.

The items below are most of the major factors companies use to determine your rates.

Your insurance coverage should be tailored to you

When it comes to proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.Higher deductibles save money

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Buying from insurance agents

A lot of people still like to buy from a local agent and that can be a great decision One of the great benefits of price shopping on the web is you may find lower rates and still choose a local agent. And supporting local insurance agents is important particularly in Tampa.

Insurance agency in TampaOnce you complete this form (opens in new window), your information is immediately sent to local insurance agents that provide free Tampa car insurance quotes and help you find cheaper coverage. There is no need to search for any insurance agencies as quotes are delivered to you directly. Get lower rates AND a local agent. If you want to quote rates from one company in particular, you can always jump over to their website and submit a quote form there.

The following is a list of insurance companies in Tampa that may be willing to give rate quotes for Ford Transit Connect insurance in Tampa.

More Tampa agents

Selecting an insurance company requires you to look at more than just a low price. These are some questions you should get answers to.

If you get satisfactory answers to any questions you may have as well as an affordable premium quote, you may have found an insurer that is professional and can provide car insurance coverage.

Best car insurance company in Florida

Picking a good quality auto insurance company can be a challenge considering how many companies are available to choose from in Tampa. The ranking data displayed below can help you choose which auto insurers you want to consider comparing rate quotes with.

Top 10 Tampa Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

A little work can save a LOT of money

People leave their current company for a number of reasons such as high prices, high rates after DUI convictions, delays in responding to claim requests and even denial of a claim. Regardless of your reason, finding the right insurance provider can be easy and end up saving you some money.

We’ve covered many ways to lower your Ford Transit Connect insurance rates in Tampa. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even find the best price on insurance is with a small mutual company.

Budget-friendly insurance in Tampa can be purchased on the web in addition to many Tampa insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and most of the time these regional carriers only sell through independent agents.

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