How to Save on Oakland Ford Transit Connect Insurance

Insurance for Ford Transit ConnectHow many times have you told yourself it’s time to shop around for more competitive Ford Transit Connect insurance in Oakland? Having to pay for pricey auto insurance in Oakland can diminish your personal savings and maybe even restrict other spending. Getting a rate comparison is a great way to make sure you’re not throwing money away.

It’s an obvious conclusion that auto insurance companies want to keep your business as long as possible. Insureds who shop rates annually are highly likely to buy a new policy because there is a great chance of finding better rates. A recent auto insurance study discovered that consumers who regularly compared price quotes saved about $865 annually as compared to drivers who don’t make a habit of comparing rates.

If finding the best price on Ford Transit Connect insurance is your objective, then having a good understanding how to get price quotes and compare auto insurance can make it simple to find affordable coverage. Companies like GEICO, Progressive and Allstate constantly bombard you with TV and radio ads and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

The quickest method to compare rate quotes for Ford Transit Connect insurance in Oakland is to take advantage of the fact most of the bigger providers participate in online systems to give rate comparisons. All you need to do is provide information including your education level, the ages of drivers, whether you have decent credit, and whether you are married. That rating data is submitted instantly to insurance companies and you should receive rate quotes almost instantly.

If you wish to get multiple quotes for your Ford Transit Connect now, click here and enter your coverage details.

The companies in the list below provide comparison quotes in Oakland, CA. If you wish to find the cheapest auto insurance in Oakland, CA, it’s a good idea that you visit several of them in order to get a fair rate comparison.

Why you need Ford Transit Connect insurance in California

Even though it’s not necessarily cheap to insure a Ford in Oakland, maintaining insurance may be required for several reasons.

The benefits of carrying enough insurance outweigh the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is overpaying more than $750 every year so it’s recommended you shop around every year to save money.

Ford Transit Connect coverage statistics

The rate table shown below showcases detailed analysis of insurance policy prices for Ford Transit Connect models. Having knowledge of how insurance quotes are determined can help drivers make smart choices when purchasing an auto insurance policy.

Ford Transit Connect Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Transit Connect XL 2WD $330 $708 $596 $36 $178 $1,848 $154
Transit Connect XLT 2WD $330 $708 $596 $36 $178 $1,848 $154
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in vehicle garaging location which can revise prices significantly.

The illustration below shows how different deductible levels and can change Ford Transit Connect yearly insurance costs for each age group. The rate quotes are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

Careless driving habits raise car insurance rates

The illustration below shows how traffic citations and at-fault accidents increase Ford Transit Connect insurance rates for different age groups. Data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

Cost of full coverage

The diagram below illustrates the difference between Ford Transit Connect premium costs with and without full coverage. The rate quotes are based on no claims or driving citations, $100 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop paying for full coverage

There is no specific rule of when to drop full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s say your Ford Transit Connect claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,000 after paying your policy deductible. If premiums are more than $600 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few cases where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.

Score discounts to get cheaper Oakland car insurance quotes

Car insurance is expensive, but you might be missing out on some discounts that many consumers don’t even know exist. Some trigger automatically when you purchase, but a few must be inquired about before they will apply.Cheaper car insurance with discounts

You should keep in mind that some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like you could get a free car insurance policy, it’s just not the way it works.

The chart below shows the comparison of Ford Transit Connect auto insurance costs with and without discounts applied. The rates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, homeowner, safe-driver, and multi-car discounts applied.

A list of companies and a partial list of their discounts can be read below.

Before purchasing a policy, check with each insurance company the best way to save money. Discounts may not be available in Oakland. To view insurance companies that offer the discounts shown above in Oakland, click here.

Are car insurance agents obsolete?

Many people would prefer to get advice from a local agent and that can be a great decision Good insurance agents are trained to spot inefficiencies and help file insurance claims. The best thing about getting online price quotes is the fact that drivers can get lower rates and still buy from a local agent. And supporting small agencies is especially important in Oakland.

Insurance agents in OaklandTo help locate an agent, after submitting this simple form, your insurance coverage information is transmitted to local insurance agents in Oakland that can provide free Oakland auto insurance quotes for your business. You never need to find an agent on your own since price quotes are sent to you instantly. If you need to compare prices from a particular provider, you would need to search and find their rate quote page and give them your coverage information.

If you are wanting to purchase car insurance from a reliable agent, it helps to know the two different types of agencies and how they can service your needs differently. Insurance agencies in Oakland can either be exclusive or independent (non-exclusive). Either one can write car insurance policies, but it’s worth learning why they differ since it could factor into your agent selection.

Independent Car Insurance Agencies or Brokers

Agents in the independent channel often have affiliation with several companies so they have the ability to put coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparing car insurance rates, you definitely need to include several independent insurance agents to get the most accurate price comparison.

Below is a list of independent agents in Oakland that may be able to provide competitive price quotes.

5857 MacArthur BlvdOakland, CA 94605(510) 382-1900View Map

440 Grand Ave #450Oakland, CA 94610(510) 251-3800View Map

Greater Metrowest Insurance Agency
Oakland, CA 94612Oakland, CA 94612(510) 444-1404View Map

View more Oakland agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only write with one company and some examples include State Farm or Allstate. Exclusive agents cannot provide rate quotes from other companies so always compare other rates. Exclusive agencies are well trained on sales techniques and that enables them to sell even at higher rates.

Shown below is a short list of exclusive agents in Oakland that can give you price quotes.

4323 Piedmont AveOakland, CA 94611(510) 428-2016View Map

433 International BlvdOakland, CA 94606(510) 836-5555View Map

900 Alice St Ste 128Oakland, CA 94607(510) 835-8581View Map

View more Oakland agents

Finding the right insurance agent needs to be determined by more than just a cheap price quote. Any agent in Oakland should be willing to answer these questions.

California car insurance companies ranked

Ending up with a good quality insurance company can be a challenge considering how many companies are available to choose from in Oakland. The company rank data listed below can help you select which insurers you want to consider to insure your vehicles.

Top 10 Oakland Car Insurance Companies Ranked by Customer Service

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

Top 10 Oakland 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

Affordable car insurance premiums are out there

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. Too many times, drivers have reduced physical damage coverage only to regret they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at the best price.

Cheap Ford Transit Connect insurance in Oakland can be found on the web and with local Oakland insurance agents, so you need to quote Oakland auto insurance with both to have the best rate selection. Some insurance companies don’t offer the ability to get quotes online and many times these small, regional companies only sell through local independent agencies.

Steps to finding affordable quotes for Ford Transit Connect insurance in Oakland

The most effective way to find cheaper Ford Transit Connect insurance is to compare prices regularly from companies who sell insurance in Oakland. Drivers can shop around by following these steps.

The key aspect of shopping around is that you’ll want to make sure you compare identical deductibles and limits on every quote request and to quote with as many carriers as you can. Doing this ensures a fair rate comparison and the best rate selection.

Even more information is available by following these links: