Really, the only way to find lower priced Ford Transit Connect insurance in Riverside is to compare quotes once a year from insurers in California.
- Step 1: Spend some time learning about how auto insurance works and the things you can change to prevent expensive coverage. Many risk factors that result in higher rates like at-fault accidents, careless driving, and a not-so-good credit rating can be rectified by paying attention to minor details.
- Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can quote prices for many different companies. Compare rates
- Step 3: Compare the quotes to your existing policy to see if cheaper Transit Connect coverage is available in Riverside. If you can save money and switch companies, make sure there is no lapse in coverage.
- Step 4: Provide adequate notice to your current company to cancel your current car insurance policy and submit a completed application and payment for your new coverage. As soon as you receive it, keep the new proof of insurance paperwork with the vehicle registration.
A good piece of advice is to use the same coverage limits and deductibles on each quote and and to analyze all possible companies. This ensures a fair rate comparison and a complete price analysis.
We don’t have to point out that fact that car insurance companies don’t want you to look at other companies. Insureds who compare other rates are likely to move their business because of the good chance of finding a policy with more affordable rates. A recent survey discovered that people who regularly compared rates saved an average of $3,450 over four years compared to those who never compared other company’s rates.
If finding the best price on insurance in Riverside is your objective, then having an understanding of the best way to quote and compare auto insurance can save time and make the process easier.
How to get cheap Ford Transit Connect insurance in Riverside, CA
Finding more affordable Ford Transit Connect car insurance rates is not rocket science. You just need to take the time comparing price quotes online with multiple companies.
Doing price comparisons online is so simple that it makes it a waste of time to call or drive to insurance agents’ offices. Doing it all online eliminates the need for an insurance agent unless you require the extra assistance only provided by licensed Riverside agents. Drivers can get the lowest quotes online but still have the advice of a local agent.
The companies shown below are our best choices to provide price comparisons in California. If more than one company is shown, we recommend you visit as many as you can to get the best price comparison.
Ford Transit Connect insurance coverage information
The premium table displayed next outlines estimates of coverage prices for Ford Transit Connect models. Having a better understanding of how insurance prices are determined can assist in making smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Transit Connect XL 2WD||$144||$308||$424||$26||$126||$1,028||$86|
|Transit Connect XLT 2WD||$144||$308||$424||$26||$126||$1,028||$86|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Prices do not factor in specific zip code location which can raise or lower prices significantly.
The information below illustrates how your deductible choice and can impact Ford Transit Connect insurance costs for different age groups. Data assumes a married male driver, comp and collision included, and no discounts are applied to the premium.
Safe drivers pay less for car insurance
The information below shows how traffic citations and at-fault collisions can affect Ford Transit Connect yearly insurance costs for different age groups. The price estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
Cost difference between full coverage and liability
The diagram below visualizes the comparison of Ford Transit Connect premium costs with full physical damage coverage compared to only buying liability only. The premiums assume a clean driving record, no claims, $250 deductibles, single marital status, and no discounts are factored in.
When to drop comprehensive and collision coverage
There isn’t a written rule that works best for making the decision to drop full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Ford Transit Connect claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after the deductible is paid. If you are paying over $800 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are a few cases where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not buy liability only.
Tailor your insurance coverage to you
When it comes to choosing coverage online or from an agent, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed.
These are some specific questions may help you determine if you might need an agent’s assistance.
- Can my teen driver be rated on a liability-only vehicle?
- How much can I save by bundling my policies?
- Is my dog or cat covered if injured in an accident?
- Am I covered if I back into my garage door?
- Who sells insurance for high-risk drivers?
- Am I covered if I drive in a foreign country?
- Is business property covered if stolen from my car?
- What if I total my Ford Transit Connect and owe more than it’s worth?
- Will my rates increase for filing one claim?
- Do I need to call my car insurance company before buying a new car?
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Compare rates but buy from a local Riverside insurance agency
A small number of people still prefer to get professional advice from a licensed agent. Professional agents can help you choose the best coverages and will help you if you have claims. One of the great benefits of price shopping on the web is the fact that drivers can get cheap insurance quotes and still have a local agent.
Upon completion of this short form, the quote information is immediately sent to local insurance agents that provide free Riverside auto insurance quotes for your business. There is no need to search for an agent due to the fact that quote results will go immediately to your email address. If you want to get a comparison quote from a particular provider, you would need to visit that company’s website and give them your coverage information.
Choosing an insurer should depend on more than just a cheap quote. Agents should be asked these questions:
- Is insurance their full-time profession?
- How are they compensated?
- How experienced are they in personal risk management?
- Which company do they place the most coverage with?
- Does the agency have a current Errors and Omissions policy?
- Can you get a list of referrals?
- What are their preferred companies if they are an independent agency?
- Is auto insurance their primary focus in Riverside?
When looking for a reliable agent, it’s helpful to know the different types of agents and how they can write your policy. Insurance policy providers are classified as either independent (non-exclusive) or exclusive. Either one can sell insurance policies, but it is a good idea to know how they are different because it can impact which agent you choose.
These agents can only write with one company and some examples include Farmers Insurance and State Farm. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are very knowledgeable on their company’s products which helps them compete with independent agents.
Shown below are exclusive insurance agencies in Riverside who may provide you with comparison quotes.
Enrique Martinez – State Farm Insurance Agent
9305 Magnolia Ave – Riverside, CA 92503 – (951) 351-2085 – View Map
Independent Agencies or Brokers
Agents that elect to be independent are not restricted to one company and that enables them to quote your coverage through many companies depending on which coverage is best. If premiums increase, your agent can just switch to a different company which requires no work on your part. When searching for an agent, we highly recommend that you compare prices from independent agents to get the best comparison.
Below is a list of independent agencies in Riverside willing to provide rate quotes.
6281 Brockton Ave # 2 – Riverside, CA 92506 – (951) 684-3624 – View Map