Lower Your 2014 Ford C-Max Energi Car Insurance Cost

Looking for better auto insurance rates for your Ford C-Max Energi? High-priced Ford C-Max Energi insurance can stress out your savings account and force you to make tough financial choices. Shopping your coverage around is recommended to make ends meet.

Numerous insurance companies battle for your insurance dollar, so it can be very hard to choose a insurer to get the lowest rate possible.

You should take the time to price shop coverage before your policy renews because prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates for C-Max Energi insurance six months ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because it’s time to teach you the best way to save on auto insurance.

Car insurance policy discounts

Companies that sell car insurance don’t always advertise the entire discount list in an easy-to-find place, so the list below gives a summary of some of the best known and the more hidden savings tricks you should be using when you buy insurance coverage online.

• Discount for Life Insurance – If the company offers life insurance, you could get better car insurancerates if you take out a life insurance policy as well.
• Multi-Vehicle Discounts – Insuring several vehicles with one company can reduce the rates for all insured vehicles.
• Resident Student – College-age children who are attending college and do not have access to a covered vehicle can receive lower rates.
• Active Service Discounts – Being on active deployment in the military could trigger a small discount.
• Discounts for Federal Employees – Active or retired federal employment may reduce rates when you quote insurance coverage for C-Max Energi insurance depending on your company.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business.

Larger car insurance companies and some of the premium reductions they offer are included below.

• Progressive offers premium reductions for good student, multi-vehicle, online signing, continuous coverage, homeowner, online quote discount, and multi-policy.
• MetLife offers discounts for defensive driver, accident-free, good driver, good student, and multi-policy.
• Mercury Insurance may offer discounts for good student, professional/association, annual mileage, multi-car, and location of vehicle.
• Nationwide includes discounts for multi-policy, family plan, business or organization, anti-theft, Farm Bureau membership, good student, and easy pay.
• Geico may have discounts that include seat belt use, driver training, daytime running lights, good student, multi-vehicle, air bags, and military active duty.
• AAA policyholders can earn discounts including pay-in-full, good driver, education and occupation, multi-car, anti-theft, multi-policy, and good student.

When getting free insurance coverage quotes, it’s a good idea to every prospective company to give you their best rates. Some credits may not apply in your area. If you would like to choose from a list of companies with discount rates, click here.

Low cost car insurance price quotes online

Effectively comparing car insurance prices can be challenging if you don’t understand the most efficient way to do it. You could waste a few hours driving to insurance agencies in your area, or you can utilize the internet to get rates in a matter of minutes.

Many companies take part in a program where insurance shoppers complete one form, and at least one company returns a rated price determined by their information. This system prevents you from having to do quote requests for every car insurance company. To compare pricing click here to start a free quote.

The one disadvantage to pricing coverage this way is that consumers can’t choose the companies to get pricing from. So if you want to select individual companies to request quotes from, we put together a list of car insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just make sure you compare identical coverages and limits for each comparison quote. If your comparisons have different liability limits it will be nearly impossible to determine the lowest rate for your Ford C-Max Energi. Quoting even small variations in coverage limits can result in a big premium difference. And when price shopping your coverage, comparing more quotes will enable you to find the best rates. Some regional insurers cannot provide online price quotes, so you should also compare price estimates from them as well.

The Ford C-Max Energi insurance rate equation

Multiple criteria are part of the calculation when quoting car insurance. Some are obvious like your driving record, but other factors are less apparent like your vehicle usage or how financially stable you are.An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for insurance coverage. When you know what positively or negatively determines premiums, this enables informed choices that will entitle you to lower rates.

The itemized list below are just a few of the factors utilized by car insurance companies to help set rates.

• Car insurance liability coverage limits – The liability coverage on your policy will afford coverage when you are found to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
• Drive less and pay lower prices – Driving more miles in a year the more you’ll pay to insure it. Most insurance companies charge rates based upon how the vehicle is primarily used. Autos that do not get driven very much receive better premium rates than cars that get driven a lot. Incorrect rating for your C-Max Energi is throwing money out the window. Verify your vehicle rating is showing the proper vehicle usage.
• Youthful drivers pay high prices – Older people have been proven to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.Teen drivers are proven to be inattentive when driving with friends therefore insurance coverage rates are much higher.
• Bad credit will cost you – An insured’s credit score will be a significant factor in determining your rates. If your credit history is lower than you’d like, you could potentially save money when insuring your 2014 Ford C-Max Energi by spending a little time repairing your credit. Insureds that have good credit tend to file fewer claims and have better driving records than drivers with lower credit scores.
• Vocation reflects on premiums – Occupational choices like military personnelairline pilots and financial analysts generally pay higher rates than the rest of us in part from stressful work requirements and extremely grueling work hours. On the flip side, careers like scientists, engineers and the unemployed pay the least for C-Max Energi insurance.
• Minor frequent policy claims are not good – If you’re an insured who likes to file claims you should expect increased rates or even have your policy non-renewed. Insurance companies give lower rates to insureds that do not abuse their auto insurance. Auto insurance is intended for claims that pose a financial burden.
• You may save more by bundling policies – Most major insurance coverage companies give better rates for people who have multiple policies with them in the form of a multi-policy discount. Discounts can be five, ten or even twenty percent. Even with this discount applied, it’s in your best interest to comparison shop to ensure the best deal.
• Add-on coverages can cost a lot – Insurance companies have many additional extra coverages you can purchase but may not be useful. Add-on coverages like vanishing deductibles, death and dismemberment, and extra life insurance coverage are examples of these. The coverages may be enticing when deciding what coverages you need, but if you’ve never needed them in the past think about removing them and cutting costs.

How do I know if I need professional advice?

When it comes to buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover whether you might need an agent’s assistance.

• Do I have any recourse if my insurance company denies a claim?
• What companies insure drivers after a DUI or DWI?
• Am I covered if I drive in a foreign country?
• Am I covered if hit by an uninsured driver?
• Is business property covered if stolen from my car?
• Am I covered when driving a rental car?
• Do all my vehicles need collision coverage?
• What discounts do I qualify for?
• What is PIP insurance?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverages

Knowing the specifics of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like funeral costs, nursing services and dental work. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability coverage

This coverage can cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover 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 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as medical services, structural damage and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, a tree branch falling on your vehicle, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Quote more, save more

As you quote insurance coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

We’ve covered many ways to reduce 2014 Ford C-Max Energi insurance car insurance rates online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

For more information, feel free to visit the resources below:

• Understanding Car Crashes Video (iihs.org)
• Booster Seat Ratings (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)