Searching for better insurance prices for a Ford Transit Connect in Texas can be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to shop for auto insurance so we’re going to tell you the absolute fastest way to get price quotes for a new or used Ford and get the lowest possible price from both online companies and San Antonio agents.
You should make it a habit to get comparison quotes before your next renewal because prices change regularly. Just because you found the best quotes on Ford Transit Connect insurance in San Antonio a few years ago you can probably find a better rate now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the best methods to lower your annual insurance bill.
Lower Your San Antonio Insurance Premiums
A large part of saving on insurance is knowing some of the elements that play a part in calculating the price you pay for insurance. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that will entitle you to much lower annual insurance costs. Lots of things are taken into consideration when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but some are more transparent such as your marital status or how safe your car is.
Occupation stress can affect rates – Careers such as military personnel, social workers, and dentists usually pay higher rates than average due to job stress and extremely grueling work hours. Conversely, occupations like actors, students and homemakers get better rates.
Is your vehicle theft-ready? – Owning a car with a theft deterrent system can get you a discount on your insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
Bump up coverage deductibles to lower rates – Protection for physical damage, aka comp and collision, helps pay for damage to your vehicle. Examples of some claims that would be covered could be collision with another vehicle, vandalism, and rolling your vehicle. Comprehensive and collision coverage deductibles define how much you are willing to pay if the claim is covered. The more the insured is willing to pay, the lower your rates will be.
Pay more for higher performance vehicles – The performance level of the car you need insurance for makes a substantial difference in your premium level. The lowest performance passenger cars normally have pretty low rates, but your final cost has many other factors.
The chart below uses these assumptions: single male driver age 40, full coverage with $500 deductibles, and no discounts or violations. The chart compares Ford Transit Connect policy rates compared to other makes and models that have a range of risk factors.
Discounts for auto and home policies – Most insurance companies allow a discount to clients who have multiple policies with them in the form of a multi-policy discount. Discounts can be ten percent or more. Even with this discount applied, it’s always a smart idea to check prices from other companies to guarantee you are still saving the most. Drivers may still save money by buying from different companies
Married people drive safer – Having a wife or husband may cut your premiums when shopping for insurance. Marriage usually means you are more responsible it has been statistically shown that married drivers tend to file fewer claims.
Annual miles is a factor – The more you drive your Ford each year the higher your rates will be. Many insurance companies apply a rate partially by how you use the vehicle. Cars and trucks that do not get driven very much can be on a lower rate level than vehicles that are driven to work every day. A policy that improperly rates your Transit Connect may be costing you. Make sure your policy is showing the proper vehicle usage, because it can save money.
The majority of larger companies give pricing direct online. Getting Ford Transit Connect insurance prices online is possible for anyone as you just enter the coverage amounts you desire into a form. Once entered, the quote system pulls your driving and credit reports and returns a price based on the data you entered.
Using the web to get rates for Ford Transit Connect insurance in San Antonio makes comparing rates easy, and it’s very important to do this if you want to get a better rate.
If you want to compare rates now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you replicate the coverage information as close as possible to your current policy. This way, you will have an apples-to-apples comparison based on identical coverages.
The following companies provide quotes in San Antonio, TX. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.
Analysis of Ford Transit Connect rates
The premium information below showcases detailed analysis of prices for Ford Transit Connect models. Understanding how car insurance premiums are formulated can be useful when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $204 | $460 | $462 | $28 | $138 | $1,292 | $108 |
| Transit Connect XLT 2WD | $204 | $460 | $462 | $28 | $138 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in your specific San Antonio location which can modify insurance rates greatly.
Raise deductibles and save
One frequently asked question is where to set your physical damage deductibles. The comparison tables below may help to illustrate the costs and benefits when you buy lower versus higher physical damage coverage deductibles. The first rate quote example uses a $100 physical damage 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 | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Transit Connect XLT 2WD | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Transit Connect XLT 2WD | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in specific location information which can revise premium rates substantially.
Based on the above data, using a $100 deductible will cost you approximately $36 more each month or $432 for a full year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 25 months between claim filings, you would save money going with the higher deductible.
Liability only or full coverage
The chart below illustrates the difference between Ford Transit Connect insurance costs with and without physical damage coverage. The rate quotes are based on no violations or claims, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Should you buy full coverage or liability only?
There is no set guideline to drop physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s say your Ford Transit Connect replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after the deductible is paid. If it’s costing you more than $200 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are a few situations where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.
Choosing the best vehicle insurance in Texas is an important decision
Despite the fact that car insurance is not cheap in San Antonio, insuring your vehicle is required for several reasons.
First, the majority of states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a lien on your vehicle, 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 coverage lapses or is canceled, the bank may insure your Ford at a more expensive rate and force you to pay for it.
Third, insurance safeguards both your assets and your vehicle. It will also cover medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage also pays for attorney fees and expenses if you cause an accident and are sued. If you have damage to your Ford as the result of the weather or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of insuring your Transit Connect more than offset the price you pay, especially if you ever need it. But the average American driver is wasting up to $750 every year so compare rates once a year at a minimum to save money.
Car insurance rates and discounts
Not too many consumers would say car insurance is affordable, but there’s a good chance there are discounts that many people don’t even know exist. Certain credits will be shown at the time you complete a quote, but lesser-known reductions have to be manually applied before being credited. If you’re not getting every credit available, you may be paying too high a price.
- Driver Safety – Completing a course teaching safe driver skills is a good idea and can lower rates depending on where you live.
- Good Drivers – Drivers without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- Discounts for New Vehicles – Buying a new car instead of a used Transit Connect is cheaper because new vehicles are generally safer.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
- Anti-theft System – Vehicles optioned with advanced anti-theft systems are stolen less frequently and will save you 10% or more on Transit Connect insurance in San Antonio.
- Full Payment Discount – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
- 55 and Retired – If you qualify as a senior citizen, you may receive reduced rates.
- Policy Bundle Discount – If you can bundle your auto and homeowners insurance with the same company you could earn a discount of up to 20% and get you the cheapest Ford Transit Connect insurance in San Antonio.
It’s important to note that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So when it seems like you could get a free car insurance policy, it’s just not the way it works.
The example below visualizes the comparison of Ford Transit Connect insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, multi-car, marriage, and homeowner discounts applied.
Some of the insurance companies that may offer policyholders many of the previously listed discounts include:
If you need low cost San Antonio car insurance quotes, ask every company to give you their best rates. All car insurance discounts might not be offered everywhere. To see providers with discount car insurance rates in Texas, click this link.
Insurance quotes from local San Antonio insurance agencies
Many drivers just want to sit down and talk to an agent and we recommend doing that Agents will help you protect your assets and help in the event of a claim. An additional benefit of getting online price quotes is that drivers can save money and get the best rates and still buy from a local agent.
To find an agent, once you fill out this simple form, your insurance coverage information is sent to agents in your area who will give you bids to get your business. It makes it easy because there is no need to find an agent on your own because prices are sent immediately to you. If you need to get a rate quote from a particular provider, feel free to navigate to their website and fill out the quote form the provide.
Deciding on an company needs to be determined by more than just a cheap price. Any agent in San Antonio should be forthright in answering these questions:
- Does the agency have a current Errors and Omissions policy?
- Do they offer claims assistance after hours?
- Does the agency have a good rating with the Better Business Bureau?
- Are there any discounts that you might be missing?
- Do they review policy coverages at every renewal?
If you prefer to buy insurance from a reliable insurance agent, you should know the types of insurance agents and how they are slightly different. Agents are considered either exclusive or independent agents depending on their company appointments. Either one can do a good job, but we need to point out how they differ because it may have an impact on the type of agent you choose.
Exclusive Agencies
These agents can only quote rates from one company such as AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Exclusive agencies are trained well on the products they sell and that enables them to sell even at higher rates. A lot of people buy from exclusive agents primarily because of high brand loyalty rather than having low rates.
Listed below are exclusive agents in San Antonio who can help you get price quote information.
- Rudy Patino – State Farm Insurance Agent
105 Renner Dr – San Antonio, TX 78201 – (210) 732-9219 – View Map - Robert Tijerina – State Farm Insurance Agent
8802 Potranco Rd Ste 105 – San Antonio, TX 78251 – (210) 684-3800 – View Map - Chuck Laubach – State Farm Insurance Agent
14425 Brook Hollow Blvd Suite 101 – San Antonio, TX 78232 – (210) 494-7695 – View Map
Independent Insurance Agents
These type of agents often have affiliation with several companies so they can insure your vehicles with many different companies and potentially find a lower price. If your premiums go up, they simply move your policy to a different company and you won’t have to switch agencies. When searching for an agent, we recommend you contact multiple independent agents for the best price selection. They also have the ability to place coverage with additional companies that you may not be familiar with who may have lower rates.
Listed below are San Antonio independent agencies willing to provide price quotes.
- A.R.M. Insurance Agency
1534 W Contour Dr #101 – San Antonio, TX 78212 – (210) 828-7873 – View Map - Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 – View Map - Legion Insurance Agency
5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 – View Map
Don’t assume everyone needs the same insurance coverage
Always remember that when buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different and your insurance should unique, too.
For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.
- Am I covered when driving someone else’s vehicle?
- Am I covered by my spouse’s policy after a separation?
- Am I covered if I hit someone who is not insured?
- What is roadside assistance coverage?
- Am I missing any policy discounts?
- Can my teen drive my company car?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
More effort can pay off
We just showed you a lot of information how to shop for Ford Transit Connect insurance online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest Ford Transit Connect rate quotes. You may even discover the most savings is with a company that doesn’t do a lot of advertising. They often have lower auto insurance rates on specific markets as compared to the big name companies such as Allstate or State Farm.
More affordable car insurance in San Antonio is attainable from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies may not provide online quoting and most of the time these regional carriers only sell coverage through independent agents.
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- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Where can I buy Insurance? (Insurance Information Institute)
- Winter Driving (Insurance Information Institute)