2017 Ford C-Max Energi Insurance Quotes – 8 Ideas for Best Rates

No sane person loves paying for car insurance, especially knowing the price is too high.

There are many auto insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, more options can take longer to get the best deal.

How to find the cheapest insurance coverage

When shopping for cheap auto insurance quotes, there are a couple of ways to compare rate quotes from lots of insurance coverage companies. The simplest method to find the cheapest 2017 Ford C-Max Energi insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

1. The most recommended method consumers can analyze rates is a comparison rater form click here to open form in new window. This method prevents you from having to do separate forms for each company you want a rate for. One quote request will return price quotes from all major companies.
2. A different way to find lower rates consists of visiting each company’s website and repeat the quote process again and again. For sake of this example, let’s assume you want to compare prices for Progressive, 21st Century and American Family. You would need to spend time going to each site individually and repeatedly type in your coverage information, and that’s why the first method is more popular. For a list of companies in your area, click here.
3. The final method of getting rate comparisons is physically going to local insurance agencies. Quoting and buying insurance online eliminates this option unless your situation requires the extra assistance that only an agent can give. Although you can price shop your coverage online and still use a local agent.

You can use whichever method you prefer to find lower rates, just be certain you are entering equivalent information on every price quote you get. If your comparisons have unequal deductibles or liability limits it’s impossible to make an equal comparison. Slightly different coverages can mean a large discrepancy in price. It’s important to know that getting more free quotes will improve the odds of getting more affordable insurance. Not every company allows you to get online price quotes, so it’s recommended that you also compare price quotes on coverage from those companies, too.

Don’t overlook these eight auto insurance discounts

Some insurers don’t always publicize every policy discount in a way that’s easy to find, so here is a list some of the more common and also the more inconspicuous discounts that may be available.

• ABS Brakes – Cars and trucks with anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
• Safety Course Discount – Taking a course teaching defensive driving skills could earn you a small percentage discount if your company offers it.
• Seat Belts Save more than Lives – Requiring all passengers to buckle up before driving may be able to save a few bucks on the medical payments or PIP coverage costs.
• Federal Government Employee – Employees or retirees of the government can save as much as 8% for C-Max Energi coverage but check with your company.
• Driving Data Discount – Drivers who agree to allow companies to analyze their driving habits by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as they are good drivers.
• Theft Deterent – Cars and trucks with anti-theft systems are stolen with less frequency and will qualify for a discount on a auto insurance quote.
• No Charge for an Accident – This isn’t a discount exactly, but some insurance companies allow you one accident without the usual rate increase if you are claim-free before the accident.
• Drive Less and Save – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.

Large auto insurance companies and a partial list of their discounts are outlined below.

• State Farm policyholders can earn discounts including multiple autos, defensive driving training, driver’s education, Drive Safe & Save, safe vehicle, student away at school, and multiple policy.
• Progressive offers discounts for continuous coverage, online signing, homeowner, multi-policy, multi-vehicle, and good student.
• Travelers may include discounts for good student, driver training, multi-car, student away at school, and home ownership.
• American Family may have discounts that include bundled insurance, accident-free, multi-vehicle, early bird, and mySafetyValet.
• Liberty Mutual may offer discounts for exclusive group savings, multi-policy, newly married, preferred payment discount, good student, and safety features.

It’s a good idea to ask all the companies how many discounts you can get. All car insurance discounts may not be available in your area. To see insurance companies who offer auto insurance discounts, click here.

When to get professional advice

When choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. For example, these questions could help you determine whether or not you may require specific advice.

• Am I covered if I break a side mirror?
• How do I file an SR-22 for a DUI in my state?
• Is my dog or cat covered if injured in an accident?
• Is my cargo covered for damage or theft?
• Is my nanny covered when driving my vehicle?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Knowing the specifics of auto insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages offered by auto insurance companies.

Collision insurance

Collision insurance will pay to fix damage to your C-Max Energi resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, rolling your car, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

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

Comprehensive coverage protects against claims like damage from flooding, fire damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, hospital visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford C-Max Energi.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability

Liability coverage protects you from damage or injury you incur to people or other property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like loss of income, court costs, repair costs for stationary objects, attorney fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Knowledge is power

We’ve covered quite a bit of information on how to compare 2017 Ford C-Max Energi insurance rates online. The key concept to understand is the more times you quote, the better your chances of lowering your car insurance rates. Consumers could even find that the best rates are with a small mutual company. Smaller companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Geico and State Farm.

As you restructure your insurance plan, you should never buy poor coverage just to save money. There have been many cases where someone dropped physical damage coverage and discovered at claim time that it was a big mistake. Your aim should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.

More information is available on the following sites:

• Collision Insurance Coverage (Nationwide)
• Prom Night Tips for Teen Drivers (State Farm)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)