The recommended way to find more affordable Ford Transit Connect insurance in Boston is to make a habit of regularly comparing prices from insurance carriers that sell auto insurance in Massachusetts. Rates can be compared by following these guidelines.
- Try to comprehend how insurance works and the measures you can take to keep rates low. Many rating criteria that result in higher prices such as tickets, at-fault accidents, and a substandard credit history can be amended by making minor changes in your lifestyle.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of companies.
- Compare the new quotes to the price on your current policy and see if there is a cheaper rate in Boston. If you find a lower rate quote and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good piece of advice is that you’ll want to compare the same liability limits and deductibles on each price quote and and to get prices from as many car insurance companies as possible. Doing this guarantees an apples-to-apples comparison and the best price quote selection.
It’s an obvious conclusion that car insurance companies want to keep you from shopping around. Consumers who get price comparisons are highly likely to buy a new policy because there are good odds of finding a policy with better rates. Surprisingly, a recent survey revealed that consumers who regularly compared rates saved $860 a year compared to people who don’t regularly compare prices.
If finding the cheapest price for Ford Transit Connect insurance in Boston is why you’re reading this, then having an understanding of how to choose a company and compare insurance coverage can make it simple to find affordable coverage.
Just keep in mind that making a lot of price comparisons helps you find more affordable insurance. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare prices from them as well.
The following companies provide price comparisons in Massachusetts. To get the best cheap car insurance in Boston, MA, we suggest you visit several of them to get the best price comparison.
Car insurance is an important decision
Even though Boston Transit Connect insurance rates can get expensive, insurance is not optional due to several reasons.
- Most states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability insurance in order to drive the car legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Ford Transit Connect, it’s guaranteed your bank will require that you carry insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may insure your Ford at a significantly higher premium and force you to pay for it.
- Car insurance protects both your assets and your Ford Transit Connect. It will also cover medical expenses for yourself as well as anyone injured by you. 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 you receive damage to your vehicle caused by a storm or accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance definitely exceed the price paid, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $855 a year so compare rates once a year at a minimum to be sure current rates are still competitive.
Auto insurance analysis for a Ford Transit Connect
The rate table shown next covers estimates of insurance premium costs for Ford Transit Connect models. Being aware of how insurance policy premiums are calculated is important for making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $182 | $350 | $334 | $20 | $100 | $986 | $82 |
| Transit Connect XLT 2WD | $182 | $350 | $334 | $20 | $100 | $986 | $82 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in garaging location in Boston which can revise insurance rates significantly.
Rate comparison for different deductibles
A question often asked by Boston drivers is which deductible level should you buy. The data tables below sum up the difference in cost between low and high coverage deductibles. The first data set uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $224 | $436 | $334 | $20 | $100 | $1,139 | $95 |
| Transit Connect XLT 2WD | $224 | $436 | $334 | $20 | $100 | $1,139 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $140 | $274 | $334 | $20 | $100 | $868 | $72 |
| Transit Connect XLT 2WD | $140 | $274 | $334 | $20 | $100 | $868 | $72 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in specific zip code location which can decrease or increase prices significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $23 more each month or $276 a year averaged for all Transit Connect models than buying the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 33 months between claim filings, you would save money if you decide on a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $250 deductibles: | $95 |
| Average monthly premium for $1,000 deductibles (subtract): | – $72 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 33 months |
An important sidenote is that raising deductibles to save money means you will have to cover more of the damage yourself when you file a claim. That will force you to have some non-essential savings in the event you have to pay more to get your vehicle repaired.
The example below illustrates how your choice of deductibles and can change Ford Transit Connect yearly insurance costs for different age groups. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Impact of age and gender on auto insurance rates
The diagram below visualizes the comparison of Ford Transit Connect car insurance rates for male and female drivers. The data assumes no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, marital status is single, and no other discounts are factored in.
Don’t overlook these five Ford Transit Connect insurance discounts
Auto insurance is neither fun to buy or cheap, but you may qualify for discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you quote, but once in a while a discount must be requested specifically before you get the savings. If they aren’t giving you every credit available, you could be saving more on your auto insurance.
- Telematics Discount – Insureds that choose to allow companies to scrutinize their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
- Employee of Federal Government – Active or former government employment could qualify for a slight premium decrease with certain companies.
- Passenger Safety Discount – Options like air bags may get savings as much as 30%.
- Good Drivers – Accident-free drivers can pay as much as 50% less as compared to drivers with claims.
- Defensive Driver Discount – Completing a course teaching driver safety skills is a good idea and can lower rates and easily recoup the cost of the course.
You can save money using discounts, but some credits don’t apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.
The diagram below shows the difference between Ford Transit Connect insurance premiums with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no violations or claims, Massachusetts state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, claim-free, homeowner, and marriage discounts applied.
To find insurers who offer cheap Ford Transit Connect insurance quotes in Boston in Massachusetts, follow this link.
Insurance agencies can help
Many people just want to go talk to an agent and that is recommended in a lot of cases A good thing about getting free rate quotes online is you can get the lowest rates and still have an agent to talk to.
To make it easy to find an agent, after completing this short form, your insurance coverage information is emailed to companies in Boston who will give competitive quotes for your car insurance coverage. You don’t have to leave your computer because quoted prices will be sent to you instantly. You can find lower rates without a big time investment. If you need to compare prices from a specific insurance company, just search and find their rate quote page and fill out their quote form.
Finding the right insurer is decision based upon more than just a cheap quote. Any agent in Boston should be willing to answer these questions.
- Will high miles depreciate repair valuations?
- How much can you save by raising your physical damage deductibles?
- Is the quote a firm price?
- How many companies do they write for?
- Can you choose the body shop in case repairs are needed?
- Does the agency provide any after hours assistance?
- Are aftermarket or OEM parts used to repair vehicles?
If you would like to find a good insurance agency, there are two different agency structures from which to choose. Car insurance agents in Boston are considered either exclusive or independent agents depending on their company appointments.
Exclusive Car Insurance Agencies
Exclusive agents generally can only insure with one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. These agents are well schooled in insurance sales which helps them sell insurance even at higher premiums.
Shown below are exclusive agents in Boston willing to provide rate quotes.
AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
Independent Agencies or Brokers
These type of agents can sell policies from many different companies so they can write business through many companies and find the cheapest rate. If they find a cheaper price, an independent agent can move your coverage and you don’t have to find a new agent.
If you need lower rates, you will definitely want to include rate quotes from at a minimum one independent agency so that you have a good selection of quotes to compare.
Below is a short list of independent insurance agencies in Boston that can give you comparison quotes.
K D Hicks Insurance
4 Copley Pl #120 – Boston, MA 02116 – (617) 442-1300 – View Map
Massachusetts Fair Plan
2 Center Plz # 800 – Boston, MA 02108 – (617) 723-3800 – View Map
Chan Insurance Agency, Inc.
220 Harrison Ave – Boston, MA 02111 – (617) 451-6733 – View Map
Specific coverages for a Ford Transit Connect
Understanding the coverages of car insurance can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average car insurance policy.
Collision insurance
This covers damage to your Transit Connect caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like damaging your car on a curb, driving through your garage door, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible on your Transit Connect in order to get cheaper collision rates.
Auto liability insurance
This coverage can cover damages or injuries you inflict on a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 20/40/5 that means you have a limit of $20,000 per injured person, a limit of $40,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability insurance covers claims like loss of income, structural damage, medical services and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford. Massachusetts requires drivers to carry at least 20/40/5 but you should think about purchasing better liability coverage.
The illustration below shows why the minimum limit may not be adequate coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Transit Connect.
Since a lot of drivers only purchase the least amount of liability that is required (20/40/5 in Massachusetts), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Medical payments and PIP coverage
Med pay and PIP coverage provide coverage for bills such as funeral costs, dental work, hospital visits, nursing services and EMT expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive auto coverage
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like damage from flooding, theft, hitting a deer and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Shop smart and save
You just learned some good ideas how you can save on Ford Transit Connect insurance in Boston. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with a lesser-known regional company. Regional companies may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.
Some insurance companies don’t offer rate quotes online and many times these regional carriers provide coverage only through independent insurance agencies. The cheapest Ford Transit Connect insurance in Boston can be sourced online and from local agencies, and you should compare rates from both to have the best chance of lowering rates.
When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.
More tips and info about car insurance is available by following these links:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- How Much are Auto Insurance Quotes for a Toyota RAV4 in Boston? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers with Bad Credit in Boston? (FAQ)
- Who Has Cheap Boston Auto Insurance for Drivers with a Bad Driving Record? (FAQ)
- How Much are Auto Insurance Quotes for Infrequent Drivers in Boston? (FAQ)
- Who Has Cheap Car Insurance Rates for Business Use in Boston? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Teen Driver Licensing Information (iihs.org)