Cheap 2015 Ford C-Max Energi Car Insurance Cost

Finding cheaper auto insurance quotes online can seem difficult if you are someone who has never done online price comparisons. But don’t just give up because online price shopping is actually quite simple.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Buying the lowest cost car insurance coverage can be fairly easy. Nevertheless, drivers should learn the methods companies use to price insurance differently and take advantage of how the system works.

The easiest way to compare insurance rates from multiple companies takes advantage of the fact auto insurance companies will pay a fee to provide you with a free rate quote. The only thing you need to do is give them some information including if it has an alarm system, your credit rating estimate, if a SR-22 is required, and whether you are single or married. That rating data is then submitted to multiple top-rated companies and they respond with quotes immediately.

Don’t overlook these insurance coverage discounts

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but a few must be requested specifically before you will receive the discount.

  • Senior Discount – Mature drivers may be able to get a small decrease in premiums on C-Max Energi coverage.
  • Multiple Vehicles – Drivers who insure all your vehicles on the same insurance coverage policy qualifies for this discount.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on C-Max Energi coverage with a few insurance coverage companies.
  • Onboard Data Collection – Drivers who agree to allow companies to scrutinize where and when they drive by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
  • E-sign – A few larger online companies give back up to $50 for signing up on their website.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky.

Larger insurance coverage companies and a selection of discounts are:

  • GEICO has savings for multi-vehicle, daytime running lights, membership and employees, anti-theft, and federal employee.
  • Mercury Insurance policyholders can earn discounts including anti-theft, accident-free, good driver, age of vehicle, and location of vehicle.
  • Farmers Insurance discounts include electronic funds transfer, switch companies, good student, alternative fuel, homeowner, distant student, and bundle discounts.
  • Auto-Owners Insurance may have discounts that include paperless, group or association, teen driver, air bags, multi-policy, and anti-lock brakes.
  • Liberty Mutual may offer discounts for safety features, hybrid vehicle, multi-car, teen driver discount, preferred payment discount, and newly retired.
  • SAFECO offers discounts including homeowner, accident prevention training, anti-theft, safe driver, multi-car, and anti-lock brakes.
  • Progressive includes discounts for homeowner, good student, continuous coverage, multi-policy, and online quote discount.
  • USAA offers premium reductions for multi-policy, annual mileage, multi-vehicle, driver training, defensive driver, and new vehicle.

If you want cheaper auto insurance quotes, ask each insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in your state. For a list of companies who offer insurance coverage discounts, follow this link.

Learn how to buy insurance coverage cheaper

Lots of factors are used when you get your auto insurance bill. Most are fairly basic such as your driving history, but some are not quite as obvious like your vehicle usage or your financial responsibility.An important part of buying insurance is that you know some of the factors that play a part in calculating your premiums. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with cheaper rates.

The itemized list below are just a few of the factors insurance coverage companies consider when setting your rates.

  • Amount of liability insurance – Liability insurance provides coverage in the event that you are found liable for causing damage or personal injury in an accident. It will provide legal defense coverage which can cost a lot. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • File a insurance coverage claims and pay more – If you frequently file small claims, don’t be surprised to see either policy cancellation or increased premiums. Car insurance companies generally give the lowest premiums to insureds who are claim-free. Your car insurance is designed for claims that pose a financial burden.
  • Safety ratings are a factor – Cars with high safety ratings tend to have better insurance rates. Safer cars result in less severe injuries and lower injury rates means less claims paid which can mean better rates for you. If the Ford C-Max Energi is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • More policies can equal more savings – Some companies afford better rates to clients who carry more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, consumers should still compare rates to guarantee you are still saving the most.
  • Gals tend to take less risk – Statistics have proven females are less aggressive when driving. Now that doesn’t mean men are WORSE drivers than women. Women and men have at-fault accidents in similar percentages, but guys tend to have more serious accidents. Men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Insurance rates for married couples – Walking down the aisle actually saves money compared to being single. Having a significant other generally demonstrates drivers are more stable financially and insurance companies like that being married results in fewer claims.
  • Raise coverage deductibles and save – Deductibles for physical damage tell how much you are required to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of some claims that would be covered would be colliding with a stationary object, damage from fire, and damage from wind. The more damage repair cost you are required to pay out-of-pocket, the bigger discount you will receive on C-Max Energi coverage.
  • Allowing your insurance coverage to lapse raises rates – Allowing your coverage to lapse is a quick way to bump up your insurance coverage costs. And not only will your rates increase, not being able to provide proof of insurance will get you a fine, jail time, or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.

When to get professional advice

When it comes to buying coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique.

These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • Is my Ford C-Max Energi covered if I use it for business?
  • How can I get high-risk coverage after a DUI?
  • Do I need roadside assistance coverage?
  • Do I need an umbrella policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my cargo covered for damage or theft?
  • Is my nanny covered when driving my vehicle?
  • Why am I required to buy high-risk coverage?
  • Should I buy additional glass protection?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance policy coverages for a 2015 Ford C-Max Energi

Knowing the specifics of a auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverages – This will pay to fix damage to your C-Max Energi resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like surgery, chiropractic care, dental work, ambulance fees and nursing services. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, damage from getting keyed and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages – Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like loss of income, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Ford C-Max Energi.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Have the Midas touch

In this article, we presented a lot of ways to shop for 2015 Ford C-Max Energi insurance online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the biggest savings come from some of the lesser-known companies.

People who switch companies do it for a variety of reasons including lack of trust in their agent, delays in responding to claim requests, delays in paying claims or even unfair underwriting practices. Whatever your reason, finding a great new company is easier than you think.

Discount 2015 Ford C-Max Energi insurance is attainable online as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide the ability to get quotes online and many times these regional insurance providers provide coverage only through local independent agents.

Helpful resources

Comments About 2015 Ford C-Max Energi Insurance

  1. Dolly Meadows

    I was with Hartford last year but switched to Allstate. From a town just southwest of San Antonio, TX. Left Farmers to switch.

  2. Tequila Luna

    For me, 21st Century was by far the cheapest in Montgomery, AL.

  3. Robena Lancaster

    I live west of Springfield, MO. I got free rates from Progressive, AAA, and some I forget for my C-Max Energi and saved around $400 a year. Left MetLife to switch. I got prices on the web.

  4. Dorian Short

    Will State Farm cancel if I have a claim?

  5. Velva Shepherd

    From Buffalo, NY. Quoted rates from State Farm, American Family, and Encompass for my C-Max Energi and I think I am saving around $30 each month. Insured with Hartford before. I think they have home insurance too. :P

  6. Sheldon Webb

    Great info, thanks for posting. I live south of Juneau, AK. Got car insurance quotes from Progressive, Hanover, and Encompass for my 2015 Ford C-Max Energi and saved about $360 a year. Insured with The General before. I got prices on the web.

  7. Sharri Mullen

    Compared auto insurance prices with State Farm and Progressive but still not cheap enough.

  8. Li Dillon

    Here’s what I found out. Proud to be from Newark, New Jersey. Quoted quotes from AAA, MetLife, and Travelers for my Ford and saved just over $520 a year. Hopefully won’t need it. LOL

  9. Christian Cox

    I’ve bought from GEICO forever. Cheapest rates in Rockford, Illinois.

  10. Chloe Moreno

    Where is cheaper car insurance? I’m in the suburbs of Wichita, KS. I got free rates from Allstate, American Family, and Esurance for my 2015 Ford C-Max Energi and am saving around $100 a year. Insured with GMAC before.

  11. Glenda Mullen

    If you don’t have tickets and live in the vicinity of New Orleans, LA, check out GEICO. They seem to be cheaper. I even had a DUI years ago.

  12. Cinderella Jacobson

    It all costs too much. Lifelong resident of Owensboro, KY. I quoted with Auto-Owners, Nationwide, and a few others for my C-Max Energi and I think I cut my rates about $60 each month. It was easy to get rates.

  13. Bernardina Wiley

    From a town just southwest of Raleigh, NC, and Allstate rates were best. Switched homeowners coverage too. Highly recommended.

  14. Nettie Rocha

    From a town just southwest of Cleveland, Ohio. Received rates from State Farm, AIG Insurance, and some I forget for my C-Max Energi and I think I saved around $20 each month. Good savings if you bundle. I used their website to get prices.

  15. Nelson Olson

    It’s all a rip off. I live in Hilo, HI. Not sure of all the companies but I ended up saving about $40 each month.

  16. Tanja Long

    Affordable car insurance is a myth. Live in the western part of Spokane, WA. Got prices from American Family, Mercury, and a few others for my Ford and saved $410 a year. Was with Hartford. My new agent seems to be really good.