Save Money on Ford Transit Connect Insurance in Tulsa

Are you confused by the crazy number of auto insurance companies available to you? There are so many options that it can really be a lot of work to locate the lowest premium rates for Ford Transit Connect insurance in Tulsa. If you live there, you know that Tulsa is a good city to live in, but the high cost of auto insurance makes it very hard to be able to buy decent coverage.

It’s safe to assume that car insurance companies want to keep you from shopping around. People who shop around for cheaper price quotes will most likely buy a different policy because there is a great chance of finding a cheaper policy. A recent auto insurance study discovered that drivers who made a habit of comparing rates saved about $860 a year as compared to drivers who never shopped around for better prices.

If finding discount rates on Ford Transit Connect insurance in Tulsa is why you’re reading this, then knowing how to quote prices and compare car insurance can make it simple to find affordable coverage.

To get affordable Tulsa auto insurance quotes, there a variety of ways to compare quotes from many insurance companies in Oklahoma. The fastest way to find cheaper rates involves getting comparison quotes online.

Just remember that comparing a wide range of rates helps improve the odds of finding a lower rate than you’re paying now. Some companies don’t provide online rate quotes, so you should also compare prices from them as well.

The companies shown below provide free quotes in Tulsa, OK. If multiple companies are listed, it’s highly recommended you compare several of them in order to find the most affordable rates.

Ford Transit Connect coverage statistics

The rate information below highlights a range of insurance coverage prices for Ford Transit Connect models. Knowing how insurance policy rates are calculated helps drivers make smart choices when comparing insurance quotes.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in specific zip code location which can decrease or increase insurance rates noticeably.

Higher deductibles save money

When comparing auto insurance rates, the most common question is what deductibles to buy. The rates below help summarize the rate differences of buying low and high insurance deductibles. The first price estimate table uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate quotes do not factor in zip code location which can alter premium rates considerably.

We can derive from the above data that using a $100 deductible costs about $42 more each month or $504 each year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 21 months between claim filings, you would probably be better off if you choose a higher deductible. Below is an example of how you can come to your own conclusion.

An important sidenote is that a higher deductible results in having to pay to pay more out-of-pocket when you have to file a claim. It will be required that you have some money saved in order to pay the deductible.

Ford Transit Connect insurance rates: Men versus women

The example below compares Ford Transit Connect premium costs for male and female drivers. The premiums are based on no claims or violations, full physical damage coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Full coverage rates vs. liability-only in Tulsa

The illustration below shows the difference between Ford Transit Connect insurance prices when comparing full coverage to state minimum liability only. The premiums assume no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are applied.

Should you pay for full coverage?

There is no written rule to exclude physical damage coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Ford Transit Connect settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after the policy deductible has been paid. If you are currently paying more than $200 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where dropping physical damage coverage is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Cheap Ford Transit Connect insurance in Tulsa

Some insurers don’t always advertise every possible discount very clearly, so the list below details a few of the more well known and also the more inconspicuous credits available to bring down your rates. If they aren’t giving you every credit you deserve, you could be saving more on your car insurance.

• Passenger Safety Discount – Vehicles with factory air bags can get savings of 25 to 30%.
• Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
• ABS Brakes – Vehicles equipped with ABS or steering control have fewer accidents and qualify for as much as a 10% discount.
• Theft Deterrent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
• Discount for Good Grades – Excelling in school may save as much as 25% on a Tulsa auto insurance quote. Earning this discount can benefit you up to age 25.
• Tulsa Homeowners Discount – Just owning your own home can earn you a little savings because it demonstrates responsibility.
• Data Collection Discounts – Policyholders that allow driving data collection to track their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, company stockholders wouldn’t be very happy.

The example below compares Ford Transit Connect insurance rates with and without discounts being applied to the rates. The premiums assume a male driver, no violations or accidents, Oklahoma 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 marriage, safe-driver, multi-car, claim-free, multi-policy, and homeowner discounts applied.

A list of companies and some of the discounts are included below.

• State Farm offers discounts including good driver, good student, student away at school, safe vehicle, defensive driving training, and accident-free.
• Progressive discounts include online quote discount, homeowner, online signing, good student, multi-vehicle, and multi-policy.
• Travelers has discounts for payment discounts, save driver, hybrid/electric vehicle, IntelliDrive, continuous insurance, and home ownership.
• American Family policyholders can earn discounts including mySafetyValet, early bird, Steer into Savings, defensive driver, multi-vehicle, and accident-free.
• Liberty Mutual may have discounts that include multi-car, newly retired, preferred payment discount, good student, new vehicle discount, safety features, and exclusive group savings.

If you want low cost Tulsa auto insurance quotes, ask each insurance company how you can save money. Some credits may not apply to policyholders in every state. To view insurance companies that can offer you the previously mentioned discounts in Tulsa, click here to view.

Why you need quality insurance for your Transit Connect

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

• The majority of states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability protection in order to get the vehicle licensed. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your Transit Connect, almost all lenders will require you to have full coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may insure your Ford at an extremely high rate and force you to pay the higher premium.
• Auto insurance protects your vehicle and your assets. It will also reimburse you for medical expenses that are the result of an accident. Liability coverage also pays expenses related to your legal defense in the event you are sued. If you have damage to your Ford as the result of the weather or an accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your Transit Connect definitely exceed the cost, especially when you need to use it. Despite what companies tell you, the average driver is overpaying more than $869 every year so compare quotes from several companies at every renewal to help ensure money is not being wasted.

Car insurance is unique, just like you

When quoting and comparing a policy, there really is not a one-size-fits-all type of policy. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your situation will benefit from professional help.

• Is my custom paint covered by insurance?
• What are the best liability limits?
• Do I have coverage if I rent a car in Mexico?
• Am I covered when driving a rental car?
• What can I do if my company denied a claim?
• Do they offer discounts for home and auto coverage?
• Does my policy cover my teen driver if they drive my company car?
• What if a claim settlement is too low?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Compare rate quotes but buy from a local neighborhood Tulsa car insurance agent

Certain consumers still like to go talk to an agent and that is OK! One of the benefits of price shopping on the web is you may find lower rates but still work with a licensed agent. Buying from local insurance agents is important particularly in Tulsa.

Once you complete this form (opens in new window), the quote information is emailed to companies in Tulsa who will give you bids to get your business. There is no reason to do any legwork due to the fact that quote results will go to you. You can get cheaper insurance rates AND an agent nearby. In the event you want to compare rates for a specific company, feel free to jump over to their website and fill out their quote form.

Do you need an independent or exclusive car insurance agent?

If you want local Tulsa agents, you need to know there are two types of insurance agents to choose from. Tulsa agents can either be independent or exclusive depending on the company they work for.

Independent Agents (or Brokers)

Independent agencies can sell policies from many different companies so they can quote policies with many different companies and find the cheapest insurance rates. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to switch agencies.

When comparing insurance rates, you absolutely need to get rate quotes from a few independent agents so that you have a good selection of quotes to compare. A lot of them also have access to companies that do not advertise much which can be an advantage.

Listed below are Tulsa independent agencies that may be able to provide comparison quotes.

• Access Insurance
  6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220 – View Map
• Tulsa Insurance Gu
  427 South Boston Avenue, 518 – Tulsa, OK 74103 – (918) 574-6262 – View Map
• GDK Insurance Agency, Inc.
  3908 E 31st St – Tulsa, OK 74135 – (918) 742-5861 – View Map

More Tulsa agents

Exclusive Insurance Agents

Exclusive insurance agents have only one company to place business with and examples are American Family, State Farm, and AAA. They generally cannot compare other company’s rates so always compare other rates. Exclusive agents are usually well trained on sales techniques and that can be a competitive advantage. Some consumers prefer to purchase coverage from exclusives mainly due to the brand and strong financial ratings.

Below is a short list of exclusive insurance agents in Tulsa willing to provide rate quotes.

• Ed Martinez Jr – State Farm Insurance Agent
  3125 S Yale Ave a – Tulsa, OK 74135 – (918) 742-3131 – View Map
• Janine Billings – State Farm Insurance Agent
  4401 S Peoria Ave A – Tulsa, OK 74105 – (918) 747-9555 – View Map
• Jim Campos – State Farm Insurance Agent
  12802 E 31st St a – Tulsa, OK 74146 – (918) 622-4777 – View Map

More Tulsa agents

Finding a good auto insurance agent requires more thought than just the bottom line cost. These are some questions your agent should answer.

• Are claim adjusters local or do you have to take your car somewhere else?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Does the agent help file claims?
• Are they actively involved in the community?
• Are all drivers listed on the coverage quote?
• Is assistance available after office hours?
• Do you qualify for any additional discounts?