Compare Ford Transit Connect Insurance Quotes in Denver

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

Insurance quote for Ford Transit Connect in DenverIt’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.

Ford Transit Connect Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $126 $282 $368 $22 $110 $908 $76
Transit Connect XLT 2WD $202 $454 $330 $20 $98 $1,104 $92
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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.

Ford Transit Connect insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $264 $546 $352 $20 $106 $1,313 $109
Transit Connect XLT 2WD $264 $546 $352 $20 $106 $1,313 $109
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Ford Transit Connect insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $192 $368 $352 $20 $106 $1,038 $87
Transit Connect XLT 2WD $192 $368 $352 $20 $106 $1,038 $87
Get Your Own Custom Quote Go

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 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.

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.Car insurance discounts

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.Drive safe and save
These are some specific questions may help you determine if your insurance needs might need professional guidance.

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:

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.

3600 Morrison RdDenver, CO 80219(303) 935-7475View Map

3525 S Tamarac Dr #160Denver, CO 80237(303) 779-4848View Map

4840 Chambers Rd bDenver, CO 80239(303) 595-9000View Map

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.

950 17th St #1000Denver, CO 80202(303) 534-2133View Map

Westwood Insurance
57 W Alameda AveDenver, CO 80223(303) 722-2841View Map

44 Cook St #100Denver, CO 80206(303) 650-0060View Map

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: