Compare 2013 Ford C-Max Hybrid Insurance Quotes

Want lower insurance rates for your Ford C-Max Hybrid? Think you have an underperforming, overpriced insurance policy? Say no more because there are many consumers feeling the pinch from expensive insurance. Multiple car insurance companies compete for your insurance dollar, so it’s not easy to compare every insurance company to get the best rates possible.

It’s important to check insurance prices on a regular basis because prices change quite often. If you had the best deal for C-Max Hybrid insurance on your last policy you can probably find a better premium rate now. There is a lot of wrong information about insurance online but in a few minutes you can learn a bunch of ideas how to buy insurance cheaper.

If you have insurance now or are looking for a new policy, you can use these tips to find the best rates and still get good coverage. Buying car insurance is not that difficult. Vehicle owners just need to know the proper way to get comparison rates on the web.

Smart buyers know how to get insurance coverage cheaper

Lots of factors are considered when premium rates are determined. Some are pretty understandable such as your driving history, although others are less obvious such as your marital status or how safe your car is.

The factors shown below are a few of the “ingredients” used by companies to determine your premiums.

• Alarms and GPS tracking lowers prices – Buying a car with advanced anti-theft systems can save you some money. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft.
• Extra policy coverages that may not be needed – Policies have extra bells and whistles that can add up when buying insurance coverage. Coverages like coverage for rental cars, better glass coverage, and motor club memberships may be costing you every month. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Lower annual miles equals lower premium – The more miles you rack up on your Ford in a year the more you will pay for insurance coverage. A lot of companies charge rates based upon how you use the vehicle. Cars that are left in the garage receive better premium rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your C-Max Hybrid can cost quite a bit. It’s a smart idea to ensure your vehicle rating shows how each vehicle is driven, because improper ratings can cost you money.
• Gender as a rate factor – Statistics demonstrate that females tend to be a little less risky than males. It does not mean males are worse at driving than females. Females and males are responsible for at-fault accidents in similar numbers, but the male of the species tend to have higher claims. Men also have more aggressive citations like reckless driving and DUI.
• Older drivers pay less – Beginning drivers tend to be careless and easily distracted with other occupants in the car so they pay higher insurance coverage rates. Adding a youthful driver to your insurance coverage policy can be quite pricey. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.

You may qualify for discounts

Some insurance providers don’t always advertise all available discounts very well, so the following list contains both the well known and the more hidden credits available to lower your premiums when you buy insurance coverage online. If you’re not getting every credit you deserve, you’re paying more than you need to.

• Defensive Driver Discounts – Taking a course in driver safety can save you 5% or more if you qualify.
• Homeowners Discount – Owning a house may earn you a small savings because owning a home is proof of financial responsibility.
• Life Insurance – Companies who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
• E-sign Discounts
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free insurance policy, you won’t be that lucky.

Large insurance companies and some of the premium reductions they offer are:

• State Farm may offer discounts for Steer Clear safe driver discount, passive restraint, driver’s education, multiple policy, good student, Drive Safe & Save, and defensive driving training.
• Geico has discounts for air bags, multi-policy, defensive driver, anti-lock brakes, and driver training.
• Liberty Mutual offers premium reductions for hybrid vehicle, safety features, exclusive group savings, multi-car, new vehicle discount, preferred payment discount, and new move discount.
• The Hartford has savings for vehicle fuel type, defensive driver, good student, air bag, anti-theft, bundle, and driver training.
• MetLife offers discounts including defensive driver, good student, accident-free, claim-free, good driver, and multi-policy.
• Progressive includes discounts for multi-policy, homeowner, good student, online signing, online quote discount, multi-vehicle, and continuous coverage.

When getting a coverage quote, ask every company what discounts are available to you. Some credits might not be offered in your area. To choose insurance companies that offer multiple discounts, click here to view.

There’s no such thing as the perfect auto insurance policy

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For example, these questions may help you determine whether or not you would benefit from professional advice.

• Does my insurance cover my expensive audio equipment?
• Do I need PIP coverage since I have good health insurance?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I have coverage for damage caused while driving under the influence?
• What are the financial responsibility laws in my state?
• Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages explained

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, rock chips in glass and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2013 Ford C-Max Hybrid.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like repair bills for other people’s vehicles, structural damage, legal defense fees, funeral expenses and court costs. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your C-Max Hybrid from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as ambulance fees, hospital visits, EMT expenses and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Don’t be a big spender

When shopping online for insurance, do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped uninsured motorist or liability limits only to regret that they should have had better coverage. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

We just showed you many ideas to shop for 2013 Ford C-Max Hybrid insurance online. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest rates come from a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

More learning opportunities

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Safety Belts FAQ (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)