Save Money on Ford Transit Connect Insurance in Milwaukee

Want to know an easy way to compare the cheapest auto insurance rates in Milwaukee, WI? Milwaukee buyers have many options when searching for the best price on Ford Transit Connect insurance. You can either spend your time contacting agents to get rate comparisons or utilize the internet to compare rates. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to quote coverages on a Ford and obtain the lowest possible price.

Best companies for competitive Ford Transit Connect insurance in Wisconsin

The companies shown below provide free rate quotes in Wisconsin. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get the best price comparison.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in vehicle location which can affect rates noticeably.

Higher deductibles save money

When shopping for car insurance, a common question is which deductibles should you choose. The data tables below may help you to understand the difference in cost when you choose different physical damage deductibles. The first table uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific garaging location which can decrease or increase insurance rates noticeably.

Based on these figures, using a $100 deductible could cost the average driver approximately $15 more each month or $180 annually than choosing the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 27 months between claim filings, you would more than likely save some money if you choose the higher deductible.

Where to set your deductibles

The chart below demonstrates how choosing different deductibles and can change Ford Transit Connect insurance costs for different ages of insureds. The data is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Get More Affordable Insurance Rates by Understanding These Factors

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that come into play when calculating your premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that can help you get big savings. Many factors are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, although some other factors are less apparent like where you live or how financially stable you are.

• Qualify for multi-policy discounts – Lots of insurers apply discounts to insureds who carry more than one policy in the form of a multi-policy discount. Discounts can amount to 10 percent or more. Even though this discount sounds good, you may still want to compare Ford Transit Connect rates in Milwaukee to ensure the best deal.
• Older drivers save more – More mature drivers are more cautious drivers, cost insurance companies less in claims, and usually have better credit.Youthful drivers are statistically shown to be inattentive in a vehicle so they pay higher car insurance rates.
• How’s your driving record? – A bad driving record can have a huge impact on auto insurance premiums. Only having one citation can increase rates forty percent or more. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Drivers who have gotten serious violations like DWI, reckless driving or hit and run convictions might be required by their state to prove financial responsibility with their state in order to prevent their license from being revoked.
• Is you occupation costing you more? – Did you know your career choice can influence rates? Jobs like fire fighters, architects and emergency personnel tend to pay higher premium rates attributed to stressful work requirements and incredibly demanding work hours. Other careers such as scientists, engineers and performers get better rates.
• Premiums are impacted by vehicle performance – The type of vehicle you own makes a huge difference in your premium level. Because the Ford Transit Connect is a van and minivan, insuring your vehicle will cost similar in price compared to average rates in Milwaukee. Lower cost passenger cars receive the most favorable rates, but there are many factors that impact the final cost.
• Add-on coverages are wasting money – Insurance policies have a lot of additional extra coverages you can purchase if you don’t pay attention. Insurance for replacement cost coverage, accident forgiveness, and term life insurance could be just wasting money. The coverages may be enticing when talking to your agent, but if you have no use for them think about removing them and cutting costs.
• Why do you need liability? – Liability insurance kicks in in the event that a jury decides you are liable for damages from an accident. It provides legal defense to defend your case. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• Married people drive safer – Having a spouse actually saves money compared to being single. Marriage usually means you are more mature and responsible and statistics prove married drivers tend to file fewer claims.

Determine discounts on Milwaukee car insurance

Some companies don’t list every discount they offer in an easy-to-find place, so the next list breaks down both well-publicized and also the lesser-known ways to save on car insurance.

• Theft Deterrent – Anti-theft and alarm system equipped vehicles are stolen less frequently and that can save you a little bit as well.
• Club Memberships – Joining a qualifying organization is a good way to get lower rates when getting a Milwaukee car insurance quote.
• Military Discounts – Being on active duty in the military may lower your rates slightly.
• Discounts for New Vehicles – Buying car insurance coverage on a new vehicle can get you a discount since new vehicles are generally safer.
• Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies may permit one accident without getting socked with a rate hike so long as you are claim-free prior to being involved in the accident.
• Good Student Discount – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
• Accident-Free Discounts – Insureds who avoid accidents and claims pay less when compared to drivers who are more careless.
• Data Collection Discounts – Drivers who elect to allow their company to look at vehicle usage by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they exhibit good driving behavior.

A quick disclaimer, most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will bring down your premiums.

A few of the larger companies and a partial list of their discounts are:

• Mercury Insurance offers premium reductions for accident-free, professional/association, multi-policy, annual mileage, low natural disaster claims, and type of vehicle.
• Farmers Insurance discounts include teen driver, electronic funds transfer, early shopping, alternative fuel, pay in full, bundle discounts, and distant student.
• Farm Bureau includes discounts for multi-vehicle, renewal discount, youthful driver, multi-policy, good student, and safe driver.
• State Farm may offer discounts for accident-free, good driver, good student, safe vehicle, and multiple autos.
• Allstate has savings for good payer, farm vehicle, economy car, defensive driver, premier discount, premier plus, and new car.
• GEICO policyholders can earn discounts including multi-policy, military active duty, defensive driver, membership and employees, five-year accident-free, multi-vehicle, and federal employee.

If you want affordable Ford Transit Connect insurance quotes, ask each company or agent which discounts you may be entitled to. Discounts might not apply everywhere. To see companies who offer free Ford Transit Connect insurance quotes in Wisconsin, follow this link.

Local Milwaukee insurance agents

Many drivers still like to buy from a local agent and we recommend doing that Most agents can help determine the best coverages and will help you if you have claims. One of the best bonuses of comparing rate quotes online is that you can find cheaper premium rates and still choose a local agent.

After filling out this simple form, your coverage information is immediately sent to local insurance agents that can give you free Milwaukee car insurance quotes for your insurance coverage. It makes it easy because there is no need to leave your computer because prices are sent directly to you. If you need to get a rate quote from a particular provider, you just need to navigate to their website and fill out their quote form.

Picking an insurer needs to be determined by more than just a cheap quote. Any good agent in Milwaukee should know the answers to these questions.

• Are they actively involved in the community?
• Are they full-time agents?
• Will the agent help in case of a claim?
• Do they prorate repair cost based on vehicle mileage?
• What company holds the largest book of business for them?
• Can glass repairs be made at your home?
• Is there any savings for paying the full premium?

Milwaukee auto insurance agents come in two flavors

When looking for a local agent, you must know there are a couple types of insurance agents and how they can quote your rates. Agents in Milwaukee can be categorized as either independent or exclusive. Both sell and service insurance coverage, but it’s important to know how they are different since it could factor into your selection of an agent.

Exclusive Agencies

Exclusive agents write business for a single company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive agencies are highly trained on their company’s products which helps them sell on service rather than price. Some people will only choose to use a exclusive agent mainly due to high brand loyalty and strong financial ratings.

Below is a list of exclusive agencies in Milwaukee that are able to give comparison quotes.

• American Family Insurance – Michael L. Voss
  332 N 76th St – Milwaukee, WI 53213 – (414) 257-2121 – View Map
• Allstate Insurance: Tom Hoffman
  2090 Miller Park Way – West Milwaukee, WI 53219 – (414) 384-1200 – View Map
• American Family Insurance – Edward Thomas
  4641 W Forest Home Ave – Milwaukee, WI 53219 – (414) 327-4770 – View Map

View more agents

Independent Agents (or Brokers)

Agents that elect to be independent can sell policies from many different companies so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can just switch to a different company which is easy for the insured.

If you are trying to find cheaper rates, we recommend you get some free quotes from a couple of independent agencies for the best price selection. They also have the ability to place coverage with small mutual carriers that many times have cheaper rates.

Listed below are Milwaukee independent agencies that can give you price quotes.

• Friedle Insurance Agency Inc
  7700 W Bluemound Rd #110 – Wauwatosa, WI 53213 – (414) 475-0110 – View Map
• Frank Medina Insurance WI
  342 N Water St Ste 600 – Milwaukee, WI 53202 – (414) 877-0777 – View Map
• Adams Insurance Service Inc
  11046 W Bluemound Rd – Milwaukee, WI 53226 – (414) 257-2070 – View Map

View more agents

Compare. Compare. Compare.

Some insurance companies do not offer the ability to get a quote online and these regional carriers work with local independent agents. Cheaper auto insurance in Milwaukee can be bought both online as well as from independent agents in Milwaukee, and you need to price shop both in order to have the best chance of saving money.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

Drivers leave their current company for a variety of reasons including lack of trust in their agent, delays in paying claims, delays in responding to claim requests or even high prices. No matter why you want to switch, choosing a new company is less work than it seems.

More detailed auto insurance information is located in these articles:

• Alcohol Impaired Driving FAQ (iihs.org)
• Who Has Cheap Milwaukee Car Insurance Rates for Low Income Drivers? (FAQ)
• How Much are Car Insurance Quotes for Unemployed Drivers in Milwaukee? (FAQ)
• Who Has the Cheapest Milwaukee Auto Insurance Quotes for a Toyota Tacoma? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Drivers Under 21 in Milwaukee? (FAQ)
• What is the Cheapest Car Insurance in Milwaukee, Wisconsin? (FAQ)
• Understanding Limits and Deductibles (Allstate)
• What is Gap Insurance? (Insurance Information Institute)