Cheapest Rate Quotes for Ford Transit Connect Insurance in New Orleans

Searching for more competitive auto insurance rates in New Orleans, LA? New Orleans drivers have many options when trying to find the lowest priced Ford Transit Connect insurance. They can either waste time calling around getting price quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to buy auto insurance and you need to know the proper way to compare rates for a new or used Ford and obtain the best price possible.

It’s hard to fathom, but 70% of consumers kept their coverage with the same auto insurance company for over three years, and virtually 40% of consumers have never shopped around. Louisiana insurance shoppers can save about 35% each year by just comparing rate quotes, but most just don’t grasp how much they could save if they changed companies.

It’s a great practice to compare premium rates as often as possible because rates are constantly changing. Just because you found the best premium rates on Ford Transit Connect insurance in New Orleans a few years ago there may be better deals available now. Ignore everything you know about auto insurance because we’re going to show you the best methods to lower your annual insurance bill.

The best way we recommend to compare policy rates for Ford Transit Connect insurance in New Orleans is to know most larger insurance companies have advanced systems to give free rates quotes. To get started, all you need to do is provide details including whether you drive to work or school, whether you have decent credit, driver ages, and if the vehicle is leased. Your rating data is submitted instantly to multiple top-rated companies and they return quotes quickly.

To start a rate quote now, click here and complete the quick form.

The providers in the list below can provide price comparisons in New Orleans, LA. To buy the best auto insurance in New Orleans, we recommend you click on several of them to get the best price comparison.

Car insurance analysis for a Ford Transit Connect

The price information shown below outlines estimates of coverage costs for Ford Transit Connect models. Being able to understand how premiums are figured can be useful when making smart choices when comparing insurance quotes.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in specific location which can impact rates greatly.

Can higher deductibles save money?

One common question asked by New Orleans drivers is which comprehensive and collision deductibles to buy. The figures shown below sum up the differences in premium rates between high and low deductibles. The first price estimate table uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate quotes do not factor in specific zip code location which can increase or decrease prices greatly.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $30 more each month or $360 for a full year averaged for all Transit Connect models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 25 months between claim filings, you would most likely save money if you choose a higher deductible. Here’s the way you can do this calculation yourself.

The information below shows how different deductible levels and can impact Ford Transit Connect insurance prices for each age group. The prices are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Insurance premiums for males and females

The information below illustrates the difference between Ford Transit Connect insurance costs for male and female drivers. The price estimates are based on no accidents, no driving violations, full coverage, $500 deductibles, single status, and no other discounts are factored in.

Price comparison of only insuring for liability

The diagram below compares Ford Transit Connect insurance premiums with and without physical damage coverage. The premiums assume a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Deciding between full coverage and liability only

There is no set rule that is best for determining when to drop full coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Ford Transit Connect replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after the policy deductible has been paid. If you are paying more than $400 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where removing full coverage is not recommended. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

New Orleans auto insurance discounts

Auto insurance is expensive, but there could be significant discounts that you may not even know about. Certain discounts will be triggered automatically when you quote, but occasionally some discounts must be specially asked for before being credited. If you do not check that you are getting every discount you deserve, you are throwing money away.

• Drivers Education – Cut your cost by having your teen driver enroll and complete driver’s education if offered at their school.
• Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save a little off the PIP or medical payment premium.
• Full Payment Discount – If you pay your bill all at once instead of making monthly payments you may have a lower total premium amount.
• Active Military Service – Being on active duty in the military could qualify you for better premium rates.
• Telematics Devices – People who choose to allow data collection to look at driving patterns through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they are good drivers.
• No Claims – Insureds who avoid accidents and claims can save substantially when compared to frequent claim filers.
• Passenger Safety Discount – Factory options such as air bags can receive discounts of up to 25% or more.
• Membership in Organizations – Affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next renewal.
• Discount for Good Grades – Getting good grades can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
• Resident Student – Kids who are enrolled in higher education away from home and leave their car at home can be insured at a reduced rate.

As a footnote on discounts, most discounts do not apply to the whole policy. Some only reduce specific coverage prices like comprehensive or collision. Even though it appears adding up those discounts means a free policy, you’re out of luck.

The information below illustrates the comparison of Ford Transit Connect annual premium costs with and without discounts being applied to the rates. The data assumes a male driver, no claims, a clean driving record, Louisiana state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, multi-policy, homeowner, and marriage discounts applied.

Some of the insurance companies who might offer most of these discounts include:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

If you need lower rates, check with every prospective company to apply every possible discount. Some discounts listed above might not apply in New Orleans. To see auto insurance companies that can offer you the previously mentioned discounts in New Orleans, click this link.

Three good reasons to insure your vehicle

Even though it’s not necessarily cheap to insure a Ford in New Orleans, maintaining insurance is required by state law in Louisiana and it also provides benefits you may not be aware of.

• Almost all states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability if you drive a vehicle. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Transit Connect with a loan, it’s guaranteed your bank will have a requirement that you buy full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank will be required to insure your Ford at a much higher premium rate and require you to fork over much more than you were paying before.
• Auto insurance protects your vehicle and your assets. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of insuring your car more than cancel out the cost, particularly if you ever have a claim. According to a recent study, the average American driver overpays as much as $865 each year so compare quotes from several companies at every policy renewal to save money.

Best auto insurance company in New Orleans

Picking the right auto insurance company can be challenging considering how many companies there are in Louisiana. The company information shown below could help you select which coverage providers you want to consider comparing prices from.

Top 10 New Orleans Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top 10 New Orleans Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

How do I know if I need professional advice?

When quoting and choosing adequate coverage for your personal vehicles, there really isn’t a perfect coverage plan. You are unique.

Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

• Can I use my car for my catering business?
• Am I covered if I crash into my own garage door?
• What does roadside assistance cover?
• Is business property covered if stolen from my car?
• What discounts do I qualify for?
• What is PIP insurance?
• What is the ISO rating for a Ford Transit Connect?
• What are the liability requirements in my state?
• If my pet gets injured in an accident are they covered?
• I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

What if I want to buy from local New Orleans insurance agents?

Some people prefer to sit down with an agent and doing that can be a smart decision Licensed agents can point out coverage gaps and help you file claims. One of the benefits of comparing rate quotes online is that you can obtain cheap car insurance rates and also buy local.

Once you complete this quick form, the quote information gets sent to companies in New Orleans who can give free rate quotes and help you find cheaper coverage. You won’t even need to contact any agents because prices are sent to your email. If you have a need to compare rates from a specific insurance company, you would need to find their quoting web page to submit a rate quote request.

Selecting an provider requires more thought than just the bottom line cost. Here are some questions you should ask.

• Can they provide you with a list of referrals?
• Do the companies they represent have a solid financial rating?
• Who is covered by the car insurance policy?
• Does the company have a local claim office in New Orleans?
• Do you need full coverage on every vehicle?
• Do they get extra compensation for selling add-on coverages?
• If they are an independent agency in New Orleans, which companies do they recommend?
• Do they have a Better Business Bureau rating in New Orleans?

If you are wanting to find a local New Orleans insurance agency, it’s helpful to know the different types of agencies and how they differ in how they quote coverages. Car insurance agents can be categorized as either independent agents or exclusive agents. Either one can provide car insurance policies, but it’s a good idea to understand the difference in how they write coverage because it may have an impact on the type of agent you choose.

Exclusive Car Insurance Agencies

These type of agents have only one company to place business with and examples are State Farm or Allstate. These agents are unable to compare other company’s rates so keep that in mind. Exclusive agents receive a lot of sales training on sales techniques which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from exclusives primarily because of loyalty to the company rather than having low rates.

The following is a short list of exclusive agencies in New Orleans that can give you rate quotes.

• Charles Hemmans – State Farm Insurance Agent
  4611 S Carrollton Ave – New Orleans, LA 70119 – (504) 313-5498 – View Map
• Allstate Insurance: Kenneth Taylor
  7037 Canal Blvd #201 – New Orleans, LA 70124 – (504) 283-9310 – View Map
• Carl Mixon – State Farm Insurance Agent
  4716 Canal St – New Orleans, LA 70119 – (504) 482-7897 – View Map

View more agents

Independent Agencies or Brokers

Independent insurance agents are appointed with more than one company so as a result can place your coverage through many companies and potentially find a lower price. If you want to switch companies, the business is moved internally and that require little work on your part. When comparing rates, you should always contact a few independent agents for maximum quote selection. Most also write with small mutual carriers that can offer cheaper rates than bigger companies.

Listed below are independent insurance agencies in New Orleans that are able to give price quote information.

• Pat Leboeuf Insurance
  601 Seguin St – New Orleans, LA 70114 – (504) 361-4600 – View Map
• Mid-City Auto Title and Insurance
  3328 Bienville St # A – New Orleans, LA 70119 – (504) 827-1845 – View Map
• Lovecchio Insurance
  1510 Robert E Lee Blvd – New Orleans, LA 70122 – (504) 284-7778 – View Map

View more agents