Cheaper 2017 Ford C-Max Hybrid Insurance Rates

No sane person enjoys paying for insurance, especially knowing the price is too high. Popular companies such as State Farm, Geico and Farmers Insurance persitently shower you with ad campaigns and it can be hard to see through the cute green geckos and mayhem and find the best price available.

If you have a current auto insurance policy or are just looking to switch companies, you can use this information to find better prices and still get good coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to understand the most effective way to shop their coverage around online.

Finding auto insurance

All major auto insurance companies like Allstate, Geico and Progressive allow you to get pricing on the web. Obtaining pricing is possible for anyone because it’s just a matter of typing in your coverage information as detailed in the form. After you complete the form, the company’s rating system pulls credit information and your driving record and provides a quote. Online price quotes makes it a lot easier to compare rates but the time required to go to multiple sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s also necessary to compare as many rates as possible in order to get the best price on auto insurance.

A less time-consuming method to find better auto insurance pricing uses just one form that gets price quotes from many companies. The form is fast, eliminates repetitive work, and makes price shopping online much more efficient. After your information is entered, your coverage is rated and you can select any of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. It takes just a few minutes to complete and can result in significant savings.

To find out how much you’re overpaying now, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you input the coverages as close as possible to your current policy. This guarantees you’re receiving a price comparison for exact coverage.

Don’t overlook these insurance coverage discounts

Insurance coverage is not an enjoyable expense, but you may find discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but a few must be requested specifically before they will apply.

• Multi-policy Discount – If you have multiple policies and insure them both with the same insurance company you may save over 10 percent off each policy depending on the company.
• Good Student – Maintaining excellent grades can save 20 to 25%. The good student discount can last up to age 25.
• Defensive Driver Discount – Passing a course in safe driver could save 5% or more if you qualify.
• Responsible Driver Discount – Drivers without accidents may save up to 50% more on C-Max Hybrid insurance compared to rates paid by drivers with frequent claims.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.

A little disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, that’s just not realistic.

A list of insurance coverage companies and some of the premium reductions they offer can be found below.

• State Farm may include discounts for safe vehicle, defensive driving training, anti-theft, multiple autos, good driver, and driver’s education.
• Progressive policyholders can earn discounts including multi-policy, online signing, homeowner, multi-vehicle, good student, continuous coverage, and online quote discount.
• Travelers includes discounts for driver training, multi-policy, continuous insurance, hybrid/electric vehicle, home ownership, and good student.
• American Family has savings for mySafetyValet, defensive driver, accident-free, TimeAway discount, and air bags.
• Liberty Mutual may have discounts that include teen driver discount, new graduate, newly married, new move discount, safety features, good student, and newly retired.

When getting free insurance quotes, it’s a good idea to all the companies which discounts you qualify for. Some credits might not be offered on policies in your state. To find companies that offer discounts, click here.

When to get professional advice

When it comes to choosing adequate coverage for your vehicles, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. These are some specific questions may help you determine whether or not you could use an agent’s help.

• Are there companies who specialize in insuring high-risk drivers?
• Is my cargo covered for damage or theft?
• Is my state a no-fault state?
• Is other people’s property covered if stolen from my vehicle?
• When should my teen driver be added to my policy?
• Am I covered if I hit a deer?
• Is extra glass coverage worth it?
• Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Components of your Ford C-Max Hybrid insurance rates

Part of the car insurance buying process is learning some of the things that play a part in calculating your policy premiums. If you have a feel for what impacts premium levels, this allows you to make good choices that can earn you big savings.

• Bad credit will cost you – Credit rating can be a huge factor in determining premium rates. So if your credit could use some work, you could pay less to insure your 2017 Ford C-Max Hybrid by improving your rating. Consumers who have high credit ratings tend to be more responsible as compared to drivers with worse credit.
• Cut rates and deter theft – Owning a car with an alarm system can get you a discount on your car insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
• Extra policy coverages are wasting money – Insurance policies have a lot of extra add-on coverages that can add up on your C-Max Hybrid policy. Insurance for things like vanishing deductibles, better glass coverage, and extra life insurance coverage are some examples. You may think they are a good idea when buying your policy, but your money might be better spent on other coverage so remove them from your policy.
• Qualify for multi-policy discounts – Lots of insurance companies afford a discount to clients who have multiple policies with them such as combining an auto and homeowners policy. Even if you already get this discount, drivers will still want to compare other company rates to confirm you are receiving the best rates possible.
• High physical damage deductibles reduce rates – Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Ford. Some examples of covered claims would be colliding with a building, hail damage, and rolling your vehicle. Your deductibles represent how much money you are willing to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive on C-Max Hybrid insurance.
• Cautious drivers pay less – Drivers who don’t get tickets get better prices than their less careful counterparts. Having just one moving violation can increase rates by twenty percent. Drivers who have gotten dangerous tickets such as reckless driving or DUI may face state-mandated requirements to complete a SR-22 with their state in order to continue driving.
• Gender and auto insurance – Over the last 30 years, statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that females are better at driving than males. Females and males cause auto accidents in similar numbers, but men tend to have more serious accidents. Men also tend to get ticketed for serious violations such as DWI and reckless driving. Young males are the most expensive to insure so it costs more to insure them.
• Vehicles with better crash test results are cheaper to insure – Vehicles that have high safety ratings get lower rates. Highly rated vehicles have better occupant injury protection and fewer injuries means your insurance company pays less which can result in lower premiums.

Coverages available on your insurance policy

Understanding the coverages of insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Ford C-Max Hybrid.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for collisions

This coverage pays for damage to your C-Max Hybrid resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Auto liability

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as medical expenses, structural damage, court costs and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as prosthetic devices, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Final thoughts

More affordable insurance coverage is possible from both online companies and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not offer the ability to get quotes online and these smaller providers only sell through local independent agents.

While you’re price shopping online, you should never buy less coverage just to save a little money. Too many times, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

In this article, we covered some good ideas how you can get a better price on 2017 Ford C-Max Hybrid insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance coverage is with the smaller companies. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm, Geico and Nationwide.

Even more information is located by following these links:

• Where can I buy Insurance? (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Insurance Losses by Make and Model (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• Teen Driving Statistics (Geico)