Cheap Ford Transit Connect Insurance in Santa Ana

The easiest way to save money on Ford Transit Connect insurance in Santa Ana is to do a yearly price comparison from providers in California.

First, get a basic knowledge of coverages and the measures you can take to prevent expensive coverage. Many rating criteria that increase rates like traffic citations, accidents, and poor credit history can be remedied by making minor driving habit or lifestyle changes.

Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can quote prices from many different companies.

Third, compare the price quotes to your existing rates and see if there is a cheaper rate. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, give notification to your current company of your decision to cancel your current policy and submit a down payment along with a completed application to the new company. When you receive it, store the certificate verifying coverage with your registration paperwork.

The most important part of this process is to use the same physical damage deductibles and liability limits on every price quote and and to get rate quotes from as many auto insurance providers as possible. This provides the most accurate price comparison and the best price selection.

We don't have to tell you that car insurance companies don't want customers comparing rates. Drivers who shop for lower prices will most likely buy a different policy because of the good chance of finding coverage at a cheaper rate. A survey found that consumers who routinely compared rates saved over $865 annually compared to other drivers who never shopped around for cheaper prices.

If finding the best price on insurance is why you're here, learning how to quote prices and compare coverages can help you succeed in finding affordable rates.

When shopping for Ford Transit Connect insurance in Santa Ana there are multiple ways of comparing rate quotes from local Santa Ana insurance companies. The best method to compare Ford Transit Connect insurance prices involves getting comparison quotes online.

When quoting insurance, remember that comparing all the rates in your area provides better odds of finding a lower rate.

The auto insurance companies shown below are ready to provide price comparisons in Santa Ana, CA. If the list has multiple companies, it's highly recommended you visit two to three different companies in order to get a fair rate comparison.

Car insurance analysis for a Ford Transit Connect

The data table below outlines different insurance costs for Ford Transit Connect models. Learning how auto insurance prices are formulated is important for making informed decisions when shopping around for a new policy.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific location information which can increase or decrease prices significantly.

An analysis of deductible level

When buying car insurance, a common question is how high should your deductibles be. The rates below illustrate the rate difference of buying low and high deductibles. The first price estimate table uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific location information which can alter premiums noticeably.

Based on the figures above, using a $250 deductible will cost in the ballpark of $29 more each month or $348 for a full year than buying the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 26 months between claims, you would more than likely save some money if you opt for a higher deductible.

Violations and accidents raise rates

The chart below demonstrates how citations and at-fault collisions can increase Ford Transit Connect car insurance costs for different age categories. The data assumes a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Components of Your Ford Transit Connect Insurance Prices

Lots of factors are part of the equation when quoting car insurance. Some factors are common sense such as your driving history, although some other factors are not as apparent like your continuous coverage or your vehicle rating.

Drive less and pay lower prices - The higher the miles on your Ford in a year the more you'll pay to insure your vehicle. Most companies charge to insure your cars based upon how you use the vehicle. Cars that have low annual miles can get a lower rate than vehicles that are driven to work every day. It's always a good idea to double check that your auto insurance policy shows the correct usage, because improper ratings can cost you money. Having an incorrect usage rating on your Transit Connect can result in significantly higher rates.

Incidental coverages that may not be needed - There are a lot of extra coverages that sound like a good idea at the time if you aren't careful. Insurance for replacement cost coverage, towing, and motor club memberships are examples of these. They may seem like a good idea initially, but if they're wasting money eliminate them to save money.

Women pay lower costs - Over the last 30 years, statistics show females are less aggressive when driving. That doesn't necessarily mean that women are better drivers. Females and males cause at-fault accidents at a similar rate, but the men have costlier accidents. In addition to higher claims, males also get ticketed for serious violations like DUI and reckless driving. Teenage male drivers generally have the highest accident percentage and therefore have the most expensive auto insurance rates.

The example below shows the comparison of Ford Transit Connect car insurance rates for male and female drivers. The data assumes no violations or claims, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are factored in.

Job and insurance rates - Did you know your job can affect your rates? Jobs like doctors, executives, and dentists tend to have higher premium rates attributed to intense work situations and lots of time spent away from family. Other occupations such as farmers, students and homemakers receive lower rates.

Never go without auto insurance - Having a gap between insurance policy dates will be a quick way to trigger a rate increase. In addition to paying higher premiums, getting caught without coverage will get you fines or a revoked license.

High credit equals lower premiums - Your credit score factor in determining premium rates. If your credit score can use some improvement, you could potentially save money when insuring your Ford Transit Connect by improving your credit score. Insureds with high credit ratings tend to file fewer claims than those with poor credit scores.

Expect high rates for teens - Inexperience drivers have a tendency to be easily distracted when behind the wheel and because of this, their auto insurance rates are much higher. Having to add a beginning driver onto a policy will cause a huge premium hike. Mature drivers have been proven to be more responsible, file fewer claims, and get fewer tickets.

The following chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

Can a thief steal your car? - Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help stop car theft.

Insuring your vehicle just makes sense

Despite the high cost, car insurance may be required and benefits you in several ways.

• The majority of states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability insurance coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your Ford Transit Connect, almost all lenders will force you to have insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Ford at a much higher premium rate and force you to reimburse them for the expensive policy.
• Car insurance preserves both your assets and your car. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of insuring your Transit Connect are definitely more than the cost, especially with large liability claims. According to a 2015 survey, the average American driver is wasting up to $865 each year so shop around at every policy renewal to be sure current rates are still competitive.

Santa Ana car insurance companies

Finding a highly-rated company can be challenging considering how many choices drivers have in Santa Ana. The rank data below may help you select which auto insurers you want to consider purchasing from.

Top 10 Santa Ana Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance - 95%
2. USAA - 94%
3. AAA of Southern California - 92%
4. AAA Insurance - 91%
5. Nationwide - 90%
6. State Farm - 90%
7. The Hartford - 89%
8. GEICO - 89%
9. The General - 88%
10. 21st Century - 88%