2017 Ford C-Max Hybrid Insurance Cost

No normal person likes buying insurance coverage, especially knowing it costs too dang much.

Many car insurance companies compete for your business, and it can be difficult to compare rates to get the lowest price

It is always a good idea to price shop coverage every six months because insurance coverage prices trend upward over time. Despite the fact that you may have had the lowest rate for C-Max Hybrid coverage a couple years back a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out how to use online quotes to lower your rates without sacrificing coverage.

How to lower your insurance costs

Multiple criteria are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving history, but other factors are less obvious like your vehicle usage or how financially stable you are.The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help determine the rates you pay for auto insurance. When consumers understand what influences your rates, this allows you to make good choices that could help you find much lower annual insurance costs.

  • Bundling policies can get discounts – The majority of auto insurance companies allow better rates to clients that buy multiple policies, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you already get this discount, it’s still a good idea to compare other insurance prices to help guarantee you have the best rates. Drivers may still save even more by buying auto insurance from a different company.
  • Annual miles impacts costs – The more you drive every year the more you’ll pay to insure it. Most insurance companies charge rates based on how the vehicle is used. Vehicles not used for work or commuting receive better premium rates compared to those used for work or business. Make sure your declarations sheet is rated on the correct usage, because improper ratings can cost you money. Having the wrong rating on your C-Max Hybrid can result in significantly higher rates.
  • Stress out and pay more – Did you know your job can affect your rates? Careers such as doctorsairline pilots and emergency personnel usually pay higher rates than average in part from intense work-related stress and long work days. Other jobs like actors, students and the unemployed pay lower than average rates for C-Max Hybrid coverage.
  • Cars with good safety ratings mean better auto insurance rates – Safe vehicles tend to have lower insurance rates. Highly rated vehicles reduce occupant injuries and better occupant protection means your insurance company pays less and thus lower rates.
  • Liability protection claims can be big – A critical coverage on your policy, liability insurance provides coverage in the event that a jury decides you are liable for damages caused by your negligence. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Accidents will cost you – Your driving citation history impacts premiums far more than you think. Even a single driving citation can increase the cost of insurance by twenty percent. Good drivers pay less for auto insurance than bad drivers. People who have license-revoking citations such as DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state in order to prevent their license from being revoked.
  • Men pay more for car insurance – Statistics demonstrate women tend to be less risk to insure than men. It does not mean women are BETTER drivers than men. Women and men have accidents in similar percentages, but the men tend to have more serious accidents. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.

Are you earning every discount?

Car insurance is not cheap, but you might already qualify for some discounts to help bring down the price. Some of these disounts will be visible at quote time, but less common discounts must be inquired about in order for you to get them.

  • Drive Less and Save – Fewer annual miles on your Ford can qualify you for lower premium rates due to less chance of an accident.
  • Accident Forgiveness – This one is not really a discount per se, but companies like Geico, Progressive, and Allstate permit an accident without the usual rate increase if your claims history is clear for a set time period.
  • Early Switch Discount – Some insurance coverage companies reward drivers for buying a policy early. This can save 10% or more.
  • Discount for Multiple Policies – If you insure your home and vehicles and place coverage with the same company you could get a discount of nearly 15% which can help you find cheaper auto insurance.
  • Claim-Free Discount – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote in comparison to drivers who are more careless.
  • Theft Deterent – Cars equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.

It’s important to understand that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, it just doesn’t work that way.

The best insurance coverage companies and a selection of discounts are included below.

  • American Family may include discounts for bundled insurance, good student, Steer into Savings, good driver, and multi-vehicle.
  • Nationwide has discounts for Farm Bureau membership, easy pay, business or organization, accident-free, defensive driving, and good student.
  • MetLife includes discounts for good student, multi-policy, accident-free, defensive driver, claim-free, and good driver.
  • 21st Century may offer discounts for automatic seat belts, good student, teen driver, student driver, and anti-lock brakes.
  • Farmers Insurance policyholders can earn discounts including teen driver, bundle discounts, electronic funds transfer, early shopping, distant student, and homeowner.
  • Allstate offers discounts including farm vehicle, FullPay discount, senior citizen, passive restraint, 55 and retired, and premier discount.

When comparing rates, check with all the companies the best way to save money. Depending on the company, some discounts might not be offered on policies in your area.

When in doubt talk to an agent

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can help discover whether you might need professional guidance.

  • Will my rates increase for filing one claim?
  • Is my camper covered by my car insurance policy?
  • What is no-fault insurance?
  • What is PIP insurance?
  • Is a blown tire covered by insurance?
  • Will my insurance pay for OEM parts?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need medical payments coverage since I have good health insurance?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Information about specific coverages

Understanding the coverages of your insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, hail damage, rock chips in glass and falling objects. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Auto liability insurance

This will cover damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as funeral expenses, bail bonds and legal defense fees. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like X-ray expenses, chiropractic care, surgery, hospital visits and funeral costs. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Affordable insurance is out there

We’ve covered a lot of techniques to shop for 2017 Ford C-Max Hybrid insurance online. It’s most important to understand that the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates come from the least-expected company. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive or Geico.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. In too many instances, consumers will sacrifice full coverage only to discover later they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at the best possible price while still protecting your assets.

Other learning opportunities