Find Affordable Ford Transit Connect Insurance in Miami

Discount Ford Transit Connect insuranceAre you tired of overpaying and want cheaper Ford Transit Connect insurance in Miami? Are you tired of trying to scrape together enough money to pay auto insurance each month? Your situation is no different than many other Florida drivers.

A recent auto insurance study revealed that the vast majority of consumers have bought auto insurance from the same company for well over three years, and approximately 38% of consumers have never quoted rates to find cheap coverage. With the average premium in Florida being $2,200, drivers can cut their rates by as much as $1,126 a year by just comparing quotes, but they don’t understand how simple it is to find cheap auto insurance rates.

How to buy affordable Ford Transit Connect insurance in Miami

If you want to save the most money, the best way to get budget Ford Transit Connect insurance in Miami is to compare prices regularly from providers in Florida.

An important bit of advice to remember is to try to compare similar deductibles and liability limits on each price quote and and to analyze as many car insurance companies as possible. Doing this ensures an apples-to-apples comparison and a complete selection of prices.

Many auto insurance companies vie for your insurance dollar, so it’s not easy to compare every company to find the best rate on Ford Transit Connect insurance in Miami.

Best companies for low-cost Ford Transit Connect insurance in Florida

The companies in the list below provide free rate quotes in Florida. If multiple companies are listed, we recommend you compare several of them in order to get a fair rate comparison.

Insurance rate breakdown

The price information below showcases detailed analysis of policy rates for Ford Transit Connect models. Learning as much as possible about how insurance premiums are determined can benefit drivers when making decisions on which insurance to purchase.

Ford Transit Connect Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $158 $314 $430 $26 $128 $1,056 $88
Transit Connect XLT 2WD $158 $314 $430 $26 $128 $1,056 $88
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in specific location which can influence coverage prices significantly.

Where to set your deductibles

A question often asked by Miami drivers is how low should you set your deductibles. The following insurance rates approximate the rate differences when you select higher and lower insurance deductibles. The first data set uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Ford Transit Connect insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $280 $544 $418 $24 $124 $1,415 $118
Transit Connect XLT 2WD $280 $544 $418 $24 $124 $1,415 $118
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Ford Transit Connect insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $228 $438 $418 $24 $124 $1,232 $103
Transit Connect XLT 2WD $228 $438 $418 $24 $124 $1,232 $103
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in your specific Miami location which can influence coverage rates significantly.

Based on the above data, using a $250 deductible could cost the average driver approximately $15 more each month or $180 a year across all Ford Transit Connect models than buying the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 17 months between claim filings, you would probably come out ahead going with the higher deductible. Here’s a better example of how this calculation is made.

Average monthly premium for $250 deductibles: $118
Average monthly premium for $500 deductibles (subtract): – $103
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to be aware of is that raising deductibles means you will have to pay more of your own money when you have to file a claim. That will require a higher level of savings in the event you need to pay the higher deductible.

Rate comparison of males versus females in Miami

The information below illustrates the difference between Ford Transit Connect insurance premiums for male and female drivers. The premium estimates are based on no violations or claims, full coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Price comparison of only insuring for liability

The illustration below compares Ford Transit Connect insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no policy discounts are applied.

When to drop comp and collision

There is no clear-cut formula for eliminating physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s say your Ford Transit Connect replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 annually for full coverage, then you may want to consider only buying liability coverage.

There are some cases where eliminating full coverage is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Eight Tips to Get More Affordable Miami Insurance Costs

Lots of things are part of the equation when you get your auto insurance bill. Most are fairly basic like an MVR report, but other factors are less apparent like your vehicle usage or your vehicle rating.

Shown below are some of the things used by insurance companies to determine your premiums.

Marriage can save you money – Your spouse helps lower the price when shopping for car insurance. It generally demonstrates drivers are more stable financially and statistics prove drivers who are married file infrequent claims.

Drive fewer miles and save – The more you drive every year the more you will pay for car insurance. A lot of companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that sit idle most of the time can be on a lower rate level than cars that get driven a lot. It’s a smart idea to ensure your car insurance policy reflects the correct driver usage. Incorrect rating for your Transit Connect can cost quite a bit.

Cut rates and deter theft – Buying a car with an alarm system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.

Where you reside – Living in small towns and rural areas can be a good thing when insuring your vehicles. People in densely populated areas tend to have traffic congestion and longer commutes to work. Less people means less chance of accidents.

Tickets mean higher prices – Your driving record can have a huge impact on auto insurance premiums. Attentive drivers get better prices as compared to those with violations. Only having one speeding ticket could increase your next policy renewal twenty percent or more. Drivers unfortunate enough to have careless tickets such as DUI or willful reckless driving are required to maintain a SR-22 with their state’s licensing department in order to legally drive.

The chart below demonstrates how traffic citations and at-fault fender-benders can raise Ford Transit Connect auto insurance costs for different insured age categories. The price estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

How your age affects rates – Youthful drivers in Florida are proven to be less responsible when driving with friends therefore car insurance rates are much higher. Adding a teen driver onto your car insurance can break the bank. Older insureds are proven to be safer behind the wheel, are lower risk to insure, and get fewer tickets.

The chart below is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

Maintain car insurance coverage – Driving without insurance is illegal and you will pay a penalty because you let your coverage lapse. Not only will rates go up, getting caught without coverage could result in fines and jail time. You may have to prove you have insurance by filing a SR-22 with the Florida department of motor vehicles.

More policies can equal more savings – The majority of car insurance companies will give lower prices for people who buy several policies from them. It’s known as a multi-policy discount. If you currently are using one company, it’s always a smart idea to shop around to ensure the best deal.

Car insurance discounts help lower rates for Ford Transit Connect insurance in Miami

Auto insurance companies don’t necessarily list every possible discount very clearly, so the list below contains some of the best known and also the lesser-known credits available to you.Cheaper car insurance with discounts

Don’t be surprised that some credits don’t apply to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it appears you could get a free car insurance policy, you’re out of luck. Any qualifying discounts will lower the cost of your policy.

The chart below shows the comparison of Ford Transit Connect car insurance rates with and without discounts applied. The costs are based on a female driver, no violations or claims, Florida state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, multi-car, homeowner, and claim-free discounts applied.

A list of companies and some of the premium reductions they offer include:

Check with each company which credits you are entitled to. All car insurance discounts might not be available to policyholders in your state.

Auto insurance quotes from local neighborhood Miami car insurance agents

Some people still prefer to get advice from a local agent and that is a personal choice. The biggest benefit of getting free rate quotes online is that you can obtain cheap rate quotes and still choose a local agent.

Insurance agents in MiamiBy using this quick form, your insurance coverage information is instantly submitted to companies in Miami that can give you free Miami auto insurance quotes for your coverage. There is no reason to leave your computer since price quotes are sent directly to your email. You can find lower rates without having to waste a lot of time. If for some reason you want to quote rates from a specific company, feel free to find their quoting web page and give them your coverage information.

Deciding on an insurer needs to be determined by more than just the quoted price. Here are some questions to ask:

If you want a reputable agency, it’s important to understand the different types of agents and how they differ in how they quote coverages. Auto insurance policy providers are categorized either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Exclusive insurance agents can only quote rates from one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot provide prices from multiple companies so you might not find the best rates. Exclusive insurance agents are highly trained on sales techniques and that enables them to sell even at higher rates.

The following are Miami exclusive agents willing to provide rate quotes.

141 Alton RdMiami Beach, FL 33139(305) 531-1223View Map

Rick Gonzalez – State Farm Insurance Agent
8830 Coral WayMiami, FL 33165(305) 226-3412View Map

2455 SW 27th Ave #210Miami, FL 33145(305) 859-8556View Map

More Miami agents

Independent Auto Insurance Agents

Independent agencies are not restricted to one company so they can quote policies with multiple insurance companies and potentially find a lower price. If your premiums go up, your agent can switch companies and you don’t have to do anything. When comparison shopping, it’s a good idea to contact several independent insurance agents to ensure the widest selection of prices.

Listed below are Miami independent agents that are able to give comparison quotes.

Oliva Insurance Agency Inc
370 Miracle MileMiami, FL 33134(305) 270-1447View Map

1201 SW 8th StMiami, FL 33135(305) 859-8558View Map

3636 NW 36th StMiami, FL 33142(305) 634-3306View Map

More Miami agents

If you get acceptable answers to your questions in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that is reputable and can provide auto insurance coverage. But remember, it’s your coverage and you can cancel a policy whenever you wish so don’t assume that you are permanently stuck with any specific company for a certain time period.

Miami auto insurance companies

Selecting a highly-rated car insurance provider can be rather challenging considering how many companies sell coverage in Miami. The ranking data in the next section can help you choose which car insurance companies you want to consider comparing rates from.

Top 10 Miami Car Insurance Companies Overall

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

Top 10 Miami Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Don’t assume everyone needs the same auto insurance coverage

When selecting insurance from an agent or online for your vehicles, there is no one-size-fits-all type of policy. You are unique.Auto insurance savings

These are some specific questions could help you determine whether or not you might need an agent’s assistance.

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Insurance savings summarized

Lower-priced insurance in Miami is definitely available on the web as well as from insurance agents, so you should compare both to have the best rate selection. Some insurance providers may not have rates over the internet and these regional carriers work with independent agents.

We just presented many ways to compare Ford Transit Connect insurance prices in Miami. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding affordable Ford Transit Connect insurance quotes. Drivers may even discover the best price on insurance is with a smaller regional carrier.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. Too many times, an insured cut collision coverage only to regret that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

Steps to finding affordable Ford Transit Connect insurance in Miami

The easiest way to save money on car insurance rates is to make a habit of comparing prices annually from providers who sell insurance in Miami. Rates can be compared by completing these steps.

  1. It will benefit you to learn about how insurance works and the things you can control to prevent rate increases. Many risk factors that result in higher prices like at-fault accidents, careless driving, and poor credit history can be rectified by making minor changes to your lifestyle.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like GEICO and State Farm, while independent agents can provide price quotes for a wide range of companies.
  3. Compare the new rate quotes to your existing policy and determine if cheaper Transit Connect coverage is available. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.

The most important part of shopping around is to use the same level of coverage on each quote and and to get rate quotes from as many auto insurance providers as possible. Doing this ensures a level playing field and a complete rate analysis.

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