Lower Your 2018 Ford C-Max Hybrid Car Insurance Quotes

Searching for cheaper insurance rates for your Ford C-Max Hybrid? Buying insurance online can be challenging if you have never taken advantage of quote comparisons online. But don’t give up because we’re going to show you how.

You need to compare premium rates occasionally because insurance rates are variable and change quite frequently. Even if you think you had the best rate on C-Max Hybrid insurance a year ago you will most likely find a better price today. Forget anything you know (or think you know) about insurance because you’re about to learn the easiest way to find better coverage at a better price.

How to compare free auto insurance quotes

To find cheap insurance coverage quotes, there are several ways to compare rate quotes from different insurance companies. The recommended way to compare rates is simply to get online rate quotes. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. The first (and easiest) way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This form keeps you from doing boring form submissions for every prospective company. Filling out one form will return quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to obtain and compare quotes online requires a trip to each company website and fill out their own quote form. For examples sake, let’s assume you want to compare State Farm, Allstate and Travelers. To find out each rate you need to spend time on each company’s site to enter your coverage information, which can get old fast.

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

Whichever way you use, make sure you use apples-to-apples coverages on every quote. If your comparisons have higher or lower deductibles you will not be able to decipher which rate is best. Having just a slight variation in insurance coverages or limits could mean much higher rates. And when comparing auto insurance rates, know that making a lot of price comparisons increases the change that you will find a lower rate.

More affordable rates with these car insurance discounts

Not many people think insurance is cheap, but there’s a good chance there are discounts that you may not even know about. A few discounts will be applied at quote time, but some must be manually applied before you get the savings.

  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
  • Accident-Free Discounts – Drivers with accident-free driving histories pay much less as compared to policyholders that have many claims.
  • Low Mileage – Driving less can qualify you for lower premium rates due to less chance of an accident.
  • Savings for New Vehicles – Buying a new car model may earn a small discount because new model year vehicles are generally safer.
  • Save over 55 – Drivers over the age of 55 can get lower premium rates on C-Max Hybrid insurance.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are much safer to drive and will save you 10% or more.
  • Life Insurance – Select companies reward you with a discount if you purchase some life insurance too.
  • Distant Student Discount – Youth drivers living away from home attending college and do not take a car to college may qualify for this discount.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings as much as 30%.

Discounts reduce rates, but you should keep in mind that some credits don’t apply the the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A partial list of companies that may offer policyholders some of the discounts shown above are:

Before buying, ask every prospective company which discounts they offer. Some discounts listed above might not apply in your area. To find companies that offer some of these discounts, click this link.

Insurance can get complicated

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if you may require specific advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I pay less for low miles?
  • Am I covered if my car is in a flood?
  • Does my 2018 Ford C-Max Hybrid need full coverage?
  • What if I don’t agree with a claim settlement offer?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance 101

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability coverage

Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like nursing services, ambulance fees and dental work. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2018 Ford C-Max Hybrid.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, a tree branch falling on your vehicle, damage from flooding, rock chips in glass and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This coverage will pay to fix damage to your C-Max Hybrid caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, rolling your car, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.