Cheap 2013 Ford C-Max Hybrid Car Insurance Quotes

Trying to find the cheapest insurance rates for your Ford C-Max Hybrid? Finding affordable insurance is difficult for consumers new to comparing rates online. Drivers have so many options available that it can quickly become a lot of work to find the best price.

Factors influencing Ford C-Max Hybrid insurance rates

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that can help you get lower car insurance prices.

  • Low deductibles can be expensive – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and windstorm damage. Physical damage deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more money you are required to pay out-of-pocket, the less your car insurance will be on C-Max Hybrid coverage.
  • Never go without insurance – Letting your insurance expire will be a sure-fire way to trigger a rate increase. Not only will you pay more, but not being able to provide proof of insurance might get you a revoked license or a big fine.
  • Pleasure use or commuting – The higher the mileage driven every year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on their usage. Autos used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your car insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your C-Max Hybrid may be wasting your money.
  • A clean driving record saves money – Good drivers have lower premiums than people who have multiple driving citations. Just one speeding ticket can increase rates by as much as thirty percent. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
  • Frequent car insurance claims increase rates – Car insurance companies provide better rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.

Cut your premium with discounts

Car insurance is not cheap, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but less common discounts must be specifically requested before they will apply.

  • Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates on C-Max Hybrid coverage.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance.
  • Resident Student – Kids in college who are attending college and don’t have a car can receive lower rates.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, auto insurance companies aren’t that generous. But any discount will cut your overall premium however.

Insurance companies that may have these discounts include:

Before buying, ask every prospective company how you can save money. Some discounts may not be available everywhere.

Drivers who switch save $418 a year? Really?

Geico, State Farm and Progressive constantly bombard you with television and radio advertisements. All the companies say the same thing that you can save if you switch your policy. How do they all make almost identical claims?

Insurance companies have a preferred profile for the driver they prefer to insure. An example of a profitable customer could possibly be over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who meets those qualifications gets the lowest rates and therefore will save when they switch companies.

Consumers who fall outside the “perfect” profile will be charged higher rates which leads to the driver buying from a lower-cost company. The ad wording is “customers who switch” not “people who quote” save that much money. That is how insurance companies can confidently advertise the way they do.

That is why drivers must get quotes from several different companies. It’s not possible to predict which auto insurance company will have the lowest Ford C-Max Hybrid insurance rates.

What is the best insurance coverage?

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Every situation is different.

For instance, these questions might help in determining whether or not you could use an agent’s help.

  • When would I need rental car insurance?
  • Am I covered when using my vehicle for business?
  • Will filing a claim cost me more?
  • How high should my medical payments coverage be?
  • Are rental cars covered under my policy?
  • How much liability do I need to cover my assets?
  • Am I covered if I break a side mirror?
  • How do I file an SR-22 for a DUI in my state?
  • Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability coverage – Liability coverage will cover damage or injury you incur to other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, court costs, medical expenses, legal defense fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage – This pays for damage to your C-Max Hybrid caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a deer, damage from getting keyed, theft and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford C-Max Hybrid.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as rehabilitation expenses, X-ray expenses and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Final thoughts

Discount 2013 Ford C-Max Hybrid insurance can be purchased on the web and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. A few companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

You just learned a lot of ways to get a better price on insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest rates come from a small mutual company.

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, someone dropped comprehensive coverage or liability limits only to regret that it was a big mistake. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

More detailed insurance coverage information can be read in these articles: