View 2015 Ford C-Max Energi Insurance Quotes

Searching for cheaper car insurance rates for your Ford C-Max Energi? Locating cheaper insurance for your Ford C-Max Energi can be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the best way to quote coverages for a Ford and find the lowest price.

If you have a policy now or are looking for a new policy, you can use this information to find the best rates and possibly find even better coverage. Shopping for affordable car insurance coverage can be fairly easy. Drivers only need an understanding of how to compare price quotes online.

Cut your car insurance rates with discounts

Car insurance companies don’t always advertise every discount in an easy-to-find place, so we researched both well-publicized and the more hidden discounts you could be receiving. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Student in College – Any of your kids who live away from home without a vehicle on campus may qualify for this discount.
  • Paperwork-free – Some insurance companies give back up to $50 for buying your policy on their website.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Multiple Cars – Buying coverage for all your vehicles with the same company may reduce the rate for each vehicle.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiration. It can save you around 10%.
  • Homeowners Savings – Owning a house can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for C-Max Energi insurance than less cautious drivers.

It’s important to understand that most credits do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts may not apply everywhere.

Ford C-Max Energi rates influenced by many factors

Smart consumers have a good feel for the rating factors that play a part in calculating your insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with big savings.

  • Extra coverages can waste money – There are a ton of extra coverages that can waste your money on your 2015 C-Max Energi policy. Coverages for personal injury protection, accident forgiveness and additional equipment coverage are examples of these. These may sound like a good investment at first, but now you might not need them so eliminate them to save money.
  • More than one policy can earn a discount – Most insurance companies will give a discount to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible.
  • Allowing your policy to lapse raises rates – Driving without insurance is illegal and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Small claims can cost you – If you file claims often, you can expect either a policy non-renewal or much higher rates. Insurance companies provide better rates to policyholders who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Younger drivers pay higher rates – Mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Teenage drivers are statistically proven to be less responsible in a vehicle therefore insurance rates are much higher.
  • Don’t skimp on liability – Liability coverage will protect you if ever you are found liable for personal injury or accident damage. Liability provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Clean credit earns discounts – Having a bad credit score is a big factor in calculating your insurance rates. People with excellent credit tend to be more responsible than those with lower ratings. If your credit is low, you could pay less to insure your 2015 Ford C-Max Energi by improving your credit score.
  • Being married is a good thing – Having a spouse helps lower the price on insurance. Having a significant other translates into being more responsible it has been statistically shown that married drivers get in fewer accidents.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • What if I don’t agree with a claim settlement offer?
  • I have a DUI can I still get coverage?
  • What is the ISO rating for a 2015 Ford C-Max Energi?
  • When should I not file a claim?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Ads can be misleading

Consumers constantly see and hear ads for car insurance savings from companies such as GEICO, State Farm and Progressive. All the companies make the same claim of big savings if you change your policy.

How can each company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the driver they prefer to insure. For instance, a preferred risk might be profiled as between the ages of 30 and 50, owns a home, and has a high credit rating. A driver that hits that “sweet spot” will get very good rates and most likely will pay quite a bit less when switching companies.

Potential insureds who do not match the requirements will have to pay a higher premium which leads to business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. That’s why companies can truthfully advertise the way they do. Because of the profiling, drivers should get quotes from several different companies. You cannot predict the company that will provide you with the cheapest Ford C-Max Energi insurance rates.

Parts of your auto insurance policy

Understanding the coverages of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Ford C-Max Energi.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage protection

Collision coverage covers damage to your C-Max Energi resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, colliding with another moving vehicle, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, damage from getting keyed, hail damage, falling objects and vandalism. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against other people’s claims. Liability 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 commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as medical services, structural damage and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for ambulance fees, dental work and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Pennies from heaven

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at an affordable rate.

Consumers change insurance companies for many reasons like denial of a claim, being labeled a high risk driver, delays in paying claims or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

You just read many ways to lower your 2015 Ford C-Max Energi insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may even discover the biggest savings come from a smaller regional carrier.

Additional information