Lower Your 2014 Ford C-Max Hybrid Car Insurance Cost

Finding lower rates for insurance coverage is a challenge for people who are new to shopping for insurance online. People have so many options available that it can turn into more work than you anticipated to find lower rates.

It’s a good idea to compare rates every six months due to the fact that insurance rates are constantly changing. Just because you had the best deal for C-Max Hybrid coverage six months ago you will most likely find a better rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the things you must know in order to get good coverage at a lower rate.

Parts of the Ford C-Max Hybrid rate equation

Smart consumers have a good feel for the rating factors that help determine your auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The following are some of the factors used by your company to calculate prices.

  • Multiple policies with one company can save – Many companies provide better rates to customers who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, you may still want to shop around to confirm you are receiving the best rates possible.
  • Sex matters – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes tend to get into accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and thus pay the highest rates.
  • Protect your assets with liability insurance – Liability insurance provides coverage when you are found liable for causing damage or personal injury in an accident. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • Traffic violations increase rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates than their less careful counterparts. Even a single moving violation may increase your cost by twenty percent. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Frequent auto insurance claims increase rates – If you file claims often, you can definitely plan on higher rates. Insurance companies award cheaper rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Do you need those extra coverages? – There are many extra coverages that you can buy if you aren’t careful. Insurance for vanishing deductibles, towing coverage and motor club memberships are examples of these. They may seem good at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • High credit ratings translate to low rates – Credit rating is a important factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure than those with lower credit scores. If your credit history can use some improvement, you could be paying less to insure your 2014 Ford C-Max Hybrid by repairing your credit.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

Compare the Market for Auto Insurance

There are several ways of comparing rate quotes from local auto insurance companies. The simplest method to compare 2014 Ford C-Max Hybrid insurance prices involves getting comparison quotes online. This can be done in several different ways.

The best way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating separate quotes for each company you want a rate for. In just a few minutes this one form compares rates instantly. This is by far the quickest method.

A less efficient way to shop for auto insurance online requires a visit to the website of each company and request a quote. For examples sake, let’s assume you want rates from Liberty Mutual, Geico and Farmers. To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

To view a list of companies in your area, click here.

Which method you use is up to you, but be sure to compare exactly the same deductibles and coverage limits on every quote. If you use different values for each quote you can’t possibly truly determine the lowest rate. Quoting even small variations in coverages can make a big difference in price. Keep in mind that quoting more gives you a better chance of getting the best price.

Drivers who switch save $396 a year? Really?

Allstate and Progressive continually stream ads on TV and radio. All the companies make the same claim that you can save after switching to them. How can each company make the same claim?

Insurance companies can use profiling for the right customer they prefer to insure. An example of a profitable customer could possibly be a mature driver, has no driving citations, and has excellent credit. Any new insured who matches those parameters receives the best rates and therefore will save when switching.

Potential customers who do not match this ideal profile will be quoted higher rates which leads to business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that much money. This is how insurance companies can make those claims. This emphasizes why you need to quote coverage with many companies. Because you never know which insurance coverage company will give you the biggest savings on Ford C-Max Hybrid insurance.

Lower rates by qualifying for discounts

Companies offering auto insurance do not list all their discounts very clearly, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving.

  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a discount up to 10% for C-Max Hybrid coverage.
  • One Accident Forgiven – Some insurance companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
  • Sign Online – A few companies will give a small break for buying your policy online.
  • Low Mileage – Keeping the miles down on your Ford can earn a substantially lower rate.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.

Keep in mind that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free car insurance policy, it doesn’t quite work that way.

Companies who might offer these discounts include:

Check with each company which discounts they offer. Savings might not be offered everywhere.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions may help you determine whether or not you could use an agent’s help.

  • How high should deductibles be on a 2014 Ford C-Max Hybrid?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will filing a claim cost me more?
  • Is upholstery damage covered by car insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How do I insure my teen driver?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverages for a Ford C-Max Hybrid

Having a good grasp of your car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for X-ray expenses, funeral costs and prosthetic devices. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, damage from a tornado or hurricane and falling objects. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2014 Ford C-Max Hybrid.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

This coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as bail bonds, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Smart consumers save more

Drivers change insurance companies for a number of reasons such as not issuing a premium refund, policy non-renewal, questionable increases in premium and even delays in responding to claim requests. It doesn’t matter why you want to switch switching companies is less work than it seems.

Cheap 2014 Ford C-Max Hybrid insurance is attainable both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We covered a lot of tips how to get a better price on insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with a lesser-known regional company.

More tips and info about auto insurance can be found in these articles: