2016 Ford C-Max Energi Insurance Cost – 7 Tricks for Cheaper Prices

Being forced to pay for high-priced auto insurance premiums can bottom out your family’s budget and force you to prioritize other expenses. Price shopping at each renewal can save money and help to lower your monthly bill.

Many auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers to get the best price available.

If you have a current car insurance policy or are just looking to switch companies, you can use this information to cut your premiums while maintaining coverages. Choosing the best insurance company for you is not rocket science. Vehicle owners just need to know the best way to shop for car insurance on the web.

Pay discount rates these seven premium-slashing discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that can drop the cost substantially. Some of these disounts will be visible when you quote, but occassionally some discounts must be specifically requested prior to receiving the credit. If you do not check that you are getting every discount available, you’re just leaving money on the table.

  • Low Mileage Discounts – Driving fewer miles could be rewarded with cheaper rates.
  • Own a Home and Save – Owning a house can help you save on insurance since home ownership shows financial diligence.
  • Multi-car Discount – Buying coverage for multiple cars or trucks on the same insurance policy can get a discount for every vehicle.
  • First Accident Forgiveness – Not necessarily a discount, but some insurance companies allow you one accident before raising your premiums with the catch being you have to be claim-free for a set time period.
  • Clubs and Organizations – Affiliation with qualifying clubs or civic groups may earn a discount when shopping for insurance.
  • Data Collection Discounts – Drivers that enable driving data submission to monitor driving manner by using a telematics device such as State Farm’s In-Drive might get better premium rates if their driving habits are good.
  • Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase auto and life insurance together.

Policy discounts save money, but many deductions do not apply to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

A few of the larger companies and some of their more popular discounts include:

  • State Farm may offer discounts for Steer Clear safe driver discount, good student, student away at school, defensive driving training, multiple autos, and Drive Safe & Save.
  • Farmers Insurance policyholders can earn discounts including mature driver, early shopping, business and professional, good student, and bundle discounts.
  • Progressive offers premium reductions for homeowner, multi-vehicle, online quote discount, multi-policy, and good student.
  • Geico has discounts for good student, driver training, defensive driver, membership and employees, seat belt use, and daytime running lights.
  • Auto-Owners Insurance offers discounts for company car, multiple vehicles, multi-policy, anti-theft, and paid in full.
  • The Hartford may have discounts that include vehicle fuel type, good student, driver training, air bag, and anti-theft.
  • Farm Bureau offers discounts including multi-policy, youthful driver, multi-vehicle, renewal discount, and 55 and retired.
  • USAA discounts include military installation, loyalty savings, vehicle storage, multi-policy, annual mileage, defensive driver, and family discount.

If you are trying to find cheap auto insurance quotes, ask each company which discounts you may be entitled to. Some discounts may not apply to policies in your area.

Do I need special coverages?

When it comes to buying coverage, there really is not a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Is my 2016 Ford C-Max Energi covered for flood damage?
  • How do I buy GAP insurance?
  • How many claims can I have before being cancelled?
  • Is extra glass coverage worth it?
  • Will my rates increase for filing one claim?
  • Am I covered if I crash into my own garage door?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I carry comprehensive and collision coverage?
  • What is roadside assistance coverage?

If you can’t answer 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, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Specific coverages for a 2016 Ford C-Max Energi

Understanding the coverages of a car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages offered by car insurance companies.

Auto collision coverage

This coverage pays for damage to your C-Max Energi from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, crashing into a ditch, colliding with another moving vehicle, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability insurance

This coverage can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as repair bills for other people’s vehicles, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses for nursing services, EMT expenses, chiropractic care, prosthetic devices and dental work. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive insurance

This coverage pays to fix your vehicle from 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 coverage pays for things such as vandalism, damage from flooding, a broken windshield and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Ford C-Max Energi.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Knowledge is power

Discount 2016 Ford C-Max Energi insurance can be found on the web as well as from insurance agents, and you should compare rates from both to have the best rate selection. A few companies may not offer online rate quotes and these small, regional companies only sell coverage through independent insurance agencies.

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured cut collision coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

More information can be found at the links below