2014 Ford C-Max Hybrid Insurance Quotes – 10 Ideas for Cheaper Rates

Searching for cheaper insurance rates for your Ford C-Max Hybrid? Locating cheaper insurance for your Ford C-Max Hybrid can normally be a lot of work, but you can use these tips and make it easy.

There is a better way to shop for insurance so you’re going to learn the best way to quote coverages for a Ford and find the cheapest rates from local insurance agents and online providers.

Car insurance policy discounts

Companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the list below details a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.

• Multiple Cars – Buying a policy with multiple cars on one policy qualifies for this discount.
• Discount for Life Insurance – If the company offers life insurance, you could get a discounted price on car insurance if you buy a life policy as well.
• Discount for Low Mileage – Driving fewer miles could be rewarded with lower car insurancerates on the low mileage vehicles.
• Sign Early and Save – A few companies offer discounts for buying a new policy before your current policy expires. You may see this discount when you get car insurance quotes online.
• Accident-Free Discounts – Claim-free drivers pay less in comparison with drivers with a long claim history.
• Responsible Driver Discount – Insureds without accidents can save as much as half off their rates for C-Max Hybrid insurance than drivers with accident claims.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Good Student Discount – A discount for being a good student can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
• Safety Course Discount – Participating in a course in safe driver may get you a small discount and easily recoup the cost of the course.
• No Charge for an Accident – This one isn’t a discount, but companies like Progressive and Allstate allow you one accident before hitting you with a surcharge if you have no claims for a set time period.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free car insurance policy, it doesn’t quite work that way.

To see insurance companies who offer free car insurance quotes, click this link.

How do I know if I need professional advice?

When choosing proper insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

• How does medical payments coverage work?
• Are my tools covered if they get stolen from my vehicle?
• How much liability do I need to cover my assets?
• Is a fancy paint job covered?
• Am I covered if I break a side mirror?
• How can I get high-risk coverage after a DUI?
• Do I have coverage when using my vehicle for my home business?
• Which is better, split liability limits or combined limits?
• If my 2014 Ford C-Max Hybrid is totaled, can I afford another vehicle?
• Is rental equipment covered for theft or damage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Insurance coverage basics

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2014 Ford C-Max Hybrid.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, hitting a bird and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Auto liability insurance

This will cover injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. 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 pain and suffering, court costs, funeral expenses, loss of income and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as pain medications, EMT expenses and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Online plus local equals savings

When buying insurance coverage, do not sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice uninsured motorist or liability limits to discover at claim time that it was a big mistake. Your strategy should be to find the BEST coverage at the lowest possible cost.

Insureds leave their current company for many reasons like unfair underwriting practices, high prices, policy cancellation or even high rates after DUI convictions. It doesn’t matter what your reason, switching companies is actually quite simple.

Budget-friendly car insurance can be purchased on the web and from local agencies, so you need to quote car insurance with both to get a complete price analysis. Some car insurance companies may not have online rate quotes and many times these small insurance companies sell through local independent agencies.

More tips and info about car insurance can be read by following these links:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Think You’re a Safe Driver? (State Farm)