Compare 2016 Ford C-Max Energi Insurance Cost

Drivers have a choice when trying to find low-cost Ford C-Max Energi insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to find the lowest rates.

There are more efficient ways to compare insurance coverage rates and you need to know the quickest way to quote coverages for your Ford and find the cheapest rates from both online companies and local agents.

You need to compare prices at least once a year because insurance coverage prices change regularly. Despite the fact that you may have had the best rates for C-Max Energi insurance six months ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the tricks you need to know to find the best coverage while lowering your premiums.

Insurance cost influencing factors

Multiple criteria are part of the equation when quoting car insurance. Most are fairly basic like your driving record, but other factors are more obscure such as your credit history or how financially stable you are.Consumers need to have an understanding of the different types of things that help determine your auto insurance rates. When consumers understand what determines premiums, this allows you to make good choices that could result in much lower annual insurance costs.

Listed below are some of the most common factors utilized by car insurance companies to help set your prices.

  • Keep insurance claims to a minimum – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies give discounts to drivers who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for claims that pose a financial burden.
  • Better premiums on safer vehicles – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and fewer injuries means less claims paid and more competitive rates for policyholders. If your Ford C-Max Energi is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Theft deterrents save – Selecting a car model with an alarm system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft and help lower rates.
  • Policy add-ons may not be needed – Policies have extra bells and whistles you can purchase when buying auto insurance. Coverage for things like rental car reimbursement, towing, and extra life insurance coverage are probably not needed. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.

How much does car insurance cost?

Cutting your car insurance rates isn’t really that difficult. Drivers just need to spend a few minutes on the computer comparing price quotes to see which company has cheap auto insurance quotes. Shoppers can get rates using a couple different methods.

  1. The most efficient method consumers can analyze rates is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for repetitive form submissions for each company you want a rate for. One quote request gets you price quotes from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to get quotes online is going to each individual company website and repeat the quote process again and again. For examples sake, let’s assume you want to see prices from Allstate, Esurance and State Farm. To find out each rate you need to take the time to go to each site and punch in your information repeatedly, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.

Whichever way you use, make absolute certain that you use equivalent information for each quote you get. If you use unequal deductibles or liability limits it will be nearly impossible to make a fair rate comparison.

Insurance ads bend the truth

Consumers can’t escape the ads that promise big savings by 21st Century, Allstate and State Farm. They all say the same thing about how much you will save just by switching to their company.

That’s great but how can every company make almost identical claims? It’s all in the wording.

Different companies have specific characteristics for the type of driver that will not have excessive claims. For example, a profitable risk profile could possibly be over the age of 35, has few claims, and has a short commute. Any customer that hits that “sweet spot” gets the lowest premium rates and will probably save if they switch.

Drivers who fall outside the ideal profile will probably be forced to pay higher premiums and this results in the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can advertise the way they do.

Different companies use different criteria so drivers must get auto insurance quotes from several different companies. Because you never know the company that will have the lowest rates.

Do you qualify for discounts?

Auto insurance companies don’t list every policy discount in a way that’s easy to find, so the following list contains both well-publicized as well as some of the hidden credits available to lower your premiums when you buy auto insurance online.

  • No Charge for an Accident – This one is not really a discount per se, but some insurance companies permit an accident before they charge you more for coverage so long as you are claim-free prior to the accident.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on a single policy qualifies for this discount.
  • Good Drivers – Insureds without accidents can save up to 40% or more on their auto insurance quote for C-Max Energi insurance than drivers with accidents.
  • College Student – Youth drivers who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Homeowners Pay Less – Simply owning a home can get you a discount since owning and maintaining a home is proof that your finances are in order.

As is typical with insurance, most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Car insurance companies who might offer these money-saving discounts possibly include:

If you need lower rates, check with each company how you can save money. Depending on the company, some discounts might not apply in your area.

Don’t assume everyone needs the same insurance coverage

When choosing the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different.

For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • If my pet gets injured in an accident are they covered?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the rate difference between pleasure use and commuting?
  • Do I have coverage if my license is suspended?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Ford C-Max Energi.

Due to the fact that 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 important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like chiropractic care, pain medications and surgery. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage covers damage to your C-Max Energi resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, rock chips in glass and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things like emergency aid, bail bonds and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Smart shoppers get results

Drivers who switch companies do it for any number of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, high prices and being labeled a high risk driver. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.

We just showed you a lot of ways to compare 2016 Ford C-Max Energi insurance rates online. The key concept to understand is the more price quotes you have, the better likelihood of getting low cost auto insurance. You may even discover the lowest rates come from a small local company.

When you buy auto insurance online, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice collision coverage only to regret they didn’t have enough coverage. Your objective should be to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.

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