2014 Ford C-Max Energi Insurance Quotes – 9 Tips to Save

Searching for the cheapest insurance for your Ford C-Max Energi can normally be a painful process, but you can use a few tricks to make it easier.

There is a better way to find insurance online so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Ford and find the best price possible from local insurance agents and online providers.

It’s smart to compare rates once or twice a year because rates tend to go up over time. Even if you got the lowest price on C-Max Energi insurance last year there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because you’re about to find out how to use online quotes to buy cheaper insurance.

If you have insurance now or are looking for a new policy, you can use this information to get lower rates and still get good coverage. Locating affordable coverage is quite easy. Drivers just need to learn the most efficient way to compare prices online.

Automobile Insurance Quotes

All the larger insurance coverage companies quote insurance quotes on their websites. This process doesn’t take much effort as you simply enter your required coverages as requested by the quote form. Once you submit the form, their system automatically orders information on your driving record and credit history and returns a price based on many factors.

Quoting online helps simplify price comparisons, but the time it takes to visit several different sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you want to find the best price on insurance coverage.

There is a better way!

The quickest way to lower your insurance coverage bill is to use a quote form to get prices from a lot of companies. It’s a real time-saver, reduces the work, and makes quoting online much easier. After your information is entered, it gets priced and you can choose your choice of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and can result in significant savings.

To quickly compare rates now, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you type in the insurance coverages as close as possible to your current policy. Doing this assures you’re receiving a rate comparison using the same coverage and limits.

Lower rates by qualifying for these nine discounts

The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but some must be asked about before they will apply. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • Paperwork-free – A handful of insurance companies may give you up to $50 just for signing your application digitally online.
  • No Claims – Drivers who don’t have accidents can earn big discounts as compared to bad drivers.
  • Defensive Driver – Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Club Memberships – Belonging to certain professional organizations could trigger savings when shopping for auto insurance on C-Max Energi insurance.
  • Accident Waiver – A handful of insurance companies permit an accident without raising rates if your claims history is clear for a set time period.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you’re out of luck. But all discounts will reduce your premiums.

Companies that may have some of the above discounts are:

Double check with each company which discounts they offer. Savings might not apply in every state.

Car insurance is unique, just like you

When buying the best insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if you might need professional guidance.

  • What is high-risk coverage and where do I buy it?
  • Am I covered if I hit a deer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are my friends covered when driving my car?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I hit my neighbor’s mailbox?
  • I don’t drive much so do I pay less?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance 101

Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include 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 is very important. Normally these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, damage from getting keyed, hail damage, fire damage and hitting a deer. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This will pay to fix damage to your C-Max Energi caused by 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 pays for things such as damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability auto insurance

This will cover damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like emergency aid, attorney fees, loss of income and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like ambulance fees, nursing services, pain medications and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

In the end, you save

Drivers switch companies for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, poor customer service and questionable increases in premium. No matter why you want to switch, choosing a new insurance company can be easier than you think.

In this article, we covered some good ideas how to save on 2014 Ford C-Max Energi insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. In many instances, an accident victim reduced full coverage only to regret they didn’t have enough coverage. Your goal should be to buy enough coverage at the best price.

More detailed insurance information is located in the articles below: