Compare Ford Transit Connect Insurance Quotes in Denver

No one likes buying car insurance, especially when the cost is way too high.

It’s hard to fathom, but a large majority of drivers in Colorado renewed their policy with the same company for a minimum of four years, and almost half have never taken the time to shop around. American consumers could save almost 47% every year by just comparing quotes, but they don’t believe how much savings they would realize if they switch to a new company.

Since you have so many options when it comes to car insurance, it’s nearly impossible to pick the most affordable insurance company.

Buying the cheapest auto insurance in Denver is easy if you know what you’re doing. If you have auto insurance now, you stand a good chance to be able to get lower rates using the ideas presented in this article. But Colorado car owners need to have an understanding of the way companies determine prices because it can help you find the best coverage.

Keep in mind that comparing more quotes gives you a better chance of getting a lower rate. Some regional insurers cannot provide price estimates online, so it’s important to compare price estimates on coverage from those companies, too.

The providers in the list below offer comparison quotes in Colorado. If more than one company is shown, we suggest you compare several of them to get a more complete price comparison.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rates do not factor in vehicle garaging location which can influence auto insurance rates significantly.

Rate comparison for different deductibles

The hardest decision when buying coverage is how low should you set your deductibles. The rates shown below show the differences in price when you choose different deductibles. The first data table uses a $100 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in specific location which can decrease or increase premium rates noticeably.

We can estimate from the data above that using a $100 deductible will cost you approximately $22 more each month or $264 every year than requesting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 18 months between claim filings, you would save money if you opt for a higher deductible.

Choosing the best vehicle insurance in Colorado is an important decision

Despite the potentially high cost of Ford Transit Connect insurance, insurance is mandatory in Colorado but it also protects more than you think.

• The majority of states have compulsory liability insurance requirements which means you are required to carry specific limits of liability if you want to drive legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If your Ford Transit Connect has a lien holder, more than likely the lender will make it mandatory that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Ford for a lot more money and force you to reimburse them the higher price.
• Car insurance preserves both your vehicle and your personal assets. Insurance will also pay for many types of medical costs incurred in an accident. Liability insurance also covers legal expenses if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of insuring your Transit Connect outweigh the cost, especially if you ever need it. As of last year, the average driver in Colorado is overpaying more than $750 every year so compare quotes from several companies every year to be sure current rates are still competitive.

Ford Transit Connect Insurance Rate Factors

The best way to find cheaper auto insurance is to take a look at some of the factors that come into play when calculating your premiums. If you know what influences your rates, this empowers consumers to make smart changes that may reward you with lower premium levels. Many factors are used when premium rates are determined. Some are obvious like a motor vehicle report, but other criteria are not as apparent such as whether you are married or your commute time.

The factors shown below are some of the factors auto insurance companies consider when setting your prices.

• Your address can influence price – Having an address in less populated areas of the country is a good thing when shopping for auto insurance. Residents of big cities have to deal with more traffic problems and more time behind the wheel. Lower population means fewer accidents in addition to fewer liability claims.
• Impacts performance impacts premiums – The performance level of the vehicle you own makes a substantial difference in your auto insurance rates. Due to the fact that the Ford Transit Connect is considered a van and minivan, insuring your vehicle will cost similar in price than the average rate where you live in Denver. Lower cost passenger cars normally have pretty low rates, but the cost you end up paying is determined by many additional factors.
• Don’t let your coverage lapse – Letting your insurance expire will be a fast way to increase your rates. And not only will insurance be more expensive, getting caught without coverage could result in a hefty fine and possibly a revoked license.
• Women tend to take less risk – Over time, data shows women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Males and females get in auto accidents at about the same rate, but guys cause more damage. Not only that, but men also have more aggressive citations such as reckless driving. Young males tend to get in the most accidents and therefore have the most expensive auto insurance rates.

Lower rate quotes on Ford Transit Connect insurance in Denver with these discounts

Car insurance can cost a lot, but you may be missing some discounts that you may not know about. Most are applied when you complete an application, but lesser-known reductions have to be specially asked for before you will receive the discount.

• Mature Driver Discount – Mature drivers can get a small decrease in premiums.
• Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from Denver without a vehicle on campus could get you a discount.
• Braking Control Discount – Cars with ABS braking systems or traction control are much safer to drive and earn discounts up to 10%.
• Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% but check with your company.
• Home Ownership Discount – Owning a house in Denver may trigger a policy discount on car insurance since owning and maintaining a home demonstrates responsibility.
• Defensive Driver – Passing a class that teaches safe driver techniques can save you 5% or more and make you a better driver.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
• Low Miles Discount – Low annual miles could qualify for substantially lower car insurance rates.
• Lower Rates for Military – Having an actively deployed family member may lower your car insurance rates slightly.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

To find insurance companies offering car insurance discounts in Denver, follow this link.

Will just any policy work for me?

When it comes to the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different and your insurance should be unique as well.
These are some specific questions may help you determine if your insurance needs might need professional guidance.

• Should I buy more coverage than the required Colorado minimum liability coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Do I need replacement cost coverage?
• Do I have coverage when using my vehicle for my home business?
• What is the minimum liability in Colorado?
• If my car is totalled with they pay enough to replace it?
• Does my policy cover my teen driver if they drive my company car?
• Where can I find DUI or SR-22 insurance?
• How can I find cheaper teen driver insurance?
• Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area.

You may want advice from an insurance agency

A lot of people still prefer to get professional advice from a licensed agent and that can be a smart move The best thing about getting online price quotes is the fact that drivers can get cheap rate quotes and still choose a local agent.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is transmitted to companies in Denver that can give you free Denver car insurance quotes for your business. You don’t have to search for an agent as quotes are delivered to your email. You can get cheaper car insurance rates and a licensed agent to work with. If you need to get a rate quote from a particular provider, you would need to search and find their rate quote page and fill out the quote form the provide.

Finding the right company should depend on more than just the premium amount. Agents should be asked these questions:

• Is there a 24/7 contact number?
• Will they give you a referral list?
• Does the company have a local claim office in Denver?
• Which members of your family are coverage by the policy?
• Will the agent help in case of a claim?
• Are they giving you every discount you deserve?
• How is replacement cost determined on your vehicle?

Pick the best auto insurance agent in Denver for you

When searching for a good Denver insurance agent, there are a couple of different types of agents and how they differ in how they quote coverages. Denver agents can be categorized as either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Exclusive agencies can only quote rates from one company like Allstate and State Farm. Exclusive agencies are unable to give you multiple price quotes so you need to shop around if the rates are high. They are highly trained on their company’s products which aids in selling service over price.

The following are Denver exclusive insurance agents who may provide you with price quote information.

More Denver agents

Independent Agents (or Brokers)

Independent agencies do not write with just one company so as a result can place your coverage through many different car insurance companies enabling the ability to shop coverage around. If you want to switch companies, your agent can switch companies and you can keep the same agent.

If you are comparing car insurance prices, you should always include a couple of independent agencies to have the most options to choose from.

Shown below are Denver independent insurance agents willing to provide comparison quotes.

More Denver agents

If you get satisfactory answers for all questions you ask and the cheapest Ford Transit Connect insurance in Denver quotes, it’s possible that you found an insurance agent that will properly service your car insurance policy.

You can find cheap coverage

In this article, we covered quite a bit of information on how to reduce Ford Transit Connect insurance rates online in Denver. The key concept to understand is the more you quote Denver car insurance, the better chance you’ll have of finding inexpensive Denver car insurance quotes. You may even find the lowest rates come from a lesser-known regional company. They can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

When shopping online for insurance, you should never buy poor coverage just to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the best price and still be able to protect your assets.

Even more information can be read at these sites:

• Five Mistakes to Avoid (Insurance Information Institute)
• How Much are Auto Insurance Rates for Drivers with Bad Credit in Denver? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a School Permit in Denver? (FAQ)
• Who Has Cheap Auto Insurance Rates for High Mileage Drivers in Denver? (FAQ)
• Who Has Affordable Car Insurance Rates for a Ford Fusion in Denver? (FAQ)
• Who Has Affordable Auto Insurance for a Toyota RAV4 in Denver? (FAQ)
• Who Has Affordable Auto Insurance for Teenage Females in Denver? (FAQ)
• Who Has Cheap Denver Car Insurance for Single Moms? (FAQ)
• What Insurance is Cheapest for Low Mileage Drivers in Denver? (FAQ)
• Tread Depth and Tire Safety (State Farm)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• How Much Auto Coverage do I Need? (Insurance Information Institute)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)