Compare 2013 Ford C-Max Hybrid Insurance Quotes

Feel like you’re a prisoner to an overpriced insurance policy? Trust us when we tell you you’re not the only one. Insurance companies such as State Farm and GEICO continually hit you with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

It’s a good idea to compare rates yearly because prices fluctuate regularly. Just because you found the best price for C-Max Hybrid insurance a few years ago there may be better deals available now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you are insured now or need a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers only need to know the most efficient way to shop their coverage around online.

Lesser-known factors impacting Ford C-Max Hybrid insurance rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes some of the factors that factor into premiums.

  • Frequent car insurance claims increase rates – Insurance companies award better rates to people who do not file claims often. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Car insurance is designed for major claims that would cause financial hardship.
  • Poor credit can mean higher rates – Your credit history is a large factor in determining what you pay for car insurance. So if your credit is not that good, you could potentially save money when insuring your 2013 Ford C-Max Hybrid by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Do you need the policy add-ons? – There are many add-on coverages that you can buy on your C-Max Hybrid policy. Coverages for roadside assistance, towing coverage and membership fees are examples of these. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Being married is a good thing – Getting married actually saves money when buying car insurance. Having a significant other means you’re more mature than a single person and statistics show being married results in fewer claims.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection when you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. They both cause accidents in similar numbers, but the male of the species cause more damage. Men also tend to get cited for more serious violations such as reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.

Don’t miss these discounts

Companies don’t list every discount in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Accident Waiver – Some insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Paperless Signup – Certain companies give back up to $50 simply for signing online.
  • Student in College – Youth drivers who are attending college and do not have a car may qualify for this discount.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for C-Max Hybrid insurance depending on your company.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of providers with the best insurance coverage discounts, follow this link.

When might I need help?

When it comes to choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For example, these questions may help you determine whether or not you might need professional guidance.

  • Who is covered when they drive my 2013 Ford C-Max Hybrid?
  • What is the ISO rating for a 2013 Ford C-Max Hybrid?
  • If my 2013 Ford C-Max Hybrid is totaled, can I afford another vehicle?
  • Do I need motorclub coverage?
  • Should I buy only the required minimum liability coverage?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

What insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Collision coverages – Collision insurance will pay to fix damage to your C-Max Hybrid resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter, colliding with a tree, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability insurance – This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as legal defense fees, medical services, emergency aid, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford C-Max Hybrid.

Since a lot of drivers carry very low liability coverage limits, 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.

Comprehensive auto coverage – This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, falling objects, damage from flooding and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like ambulance fees, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Power to the consumer

We just showed you a lot of tips how to reduce 2013 Ford C-Max Hybrid insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with the least-expected company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Cost effective insurance is available from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Helpful information