View 2013 Ford C-Max Energi Insurance Cost

Trying to find the cheapest car insurance rates for your Ford C-Max Energi? Tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than many other drivers.

Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the absolute best rate

The quickest way to compare rates is to know the trick most insurance companies participate in a system to give free rates quotes. The only thing you need to do is provide information including if you went to college, whether you have decent credit, if you have a valid license, and how many miles driven. That information is submitted instantly to multiple different insurance companies and they return cost estimate very quickly.

Get lower rates on Ford C-Max Energi insurance

Auto insurance companies don’t always publicize every available discount in an easy-to-find place, so we break down some of the more common and the more hidden ways to save on insurance.

  • Discount for New Cars – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • No Charge for an Accident – A few companies permit an accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Air Bag Discount – Factory air bags or motorized seat belts can get savings of 20% or more.
  • Club Memberships – Participating in a qualifying organization could qualify you for a break when shopping for insurance on C-Max Energi coverage.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Car insurance companies who might offer these discounts may include but are not limited to:

It’s a good idea to ask each company how you can save money. All car insurance discounts may not be available in your area.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can help discover if you may require specific advice.

  • Is my Ford C-Max Energi covered if I use it for business?
  • Is pleasure use cheaper than using my 2013 Ford C-Max Energi to commute?
  • What are the best liability limits?
  • Do I need PIP coverage since I have good health insurance?
  • Why does it cost so much to insure a teen driver?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk 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.

Ford C-Max Energi rate determination is complex

Consumers need to have an understanding of the rating factors that go into determining the price you pay for insurance coverage. Understanding what impacts premium levels helps enable you to make changes that could result in big savings.

  • Rural vs Urban Areas – Living in small towns and rural areas can be a good thing when buying insurance coverage. Less people living in that area means reduced accidents and also fewer theft and vandalism claims. Urban drivers tend to have much more traffic to deal with and longer commute times. Longer commute distances means more change of being in an accident.
  • Do you have enough liability coverage? – Liability coverage provides coverage if you are found to be at fault for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Add-on coverages can add up – There are a ton of additional coverages that can waste your money if you aren’t careful. Coverages for vanishing deductibles, accident forgiveness and motor club memberships may be costing you every month. They may seem good initially, but if you don’t need them eliminate them to save money.
  • Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Women and men cause accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get more serious tickets like reckless driving and DUI. Young males are several times more likely to be in an accident and thus pay the highest rates.

Insurance policy coverages for a Ford C-Max Energi

Understanding the coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford C-Max Energi.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This covers damage to your C-Max Energi resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, hitting a parking meter, colliding with another moving vehicle, colliding with a tree and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things such as emergency aid, structural damage, medical services and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as chiropractic care, surgery, hospital visits, nursing services and EMT expenses. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a deer and damage from flooding. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

In conclusion

We’ve covered a lot of tips how to reduce 2013 Ford C-Max Energi insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from the least-expected company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced physical damage coverage only to regret that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

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