Save on 2013 Ford C-Max Energi Car Insurance Rates

Searching for the cheapest auto insurance rates for your Ford C-Max Energi? Paying low cost rates for auto insurance could be slightly frustrating for drivers not familiar with buying insurance online. Drivers have so many companies to choose from that it can be a real difficult job to lower your prices.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you will be able to save some money using this strategy. But consumers can benefit by having an understanding of how companies market on the web and apply this information to your search.

These discounts can reduce insurance rates

Some companies don’t necessarily list every discount in an easy-to-find place, so we break down a few of the more common as well as some of the hidden discounts that may be available. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • More Vehicles More Savings – Buying coverage for primary and secondary vehicles with the same company may reduce the rate for each vehicle.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you lower prices if you buy life insurance.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Anti-theft Discount – Cars and trucks with anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford can qualify you for discounted premium rates on garaged vehicles.
  • Good Student – Being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. Even though it appears you can get free auto insurance, you aren’t that lucky. Any qualifying discounts will bring down the premium cost.

Larger insurance companies and their offered discounts can be read below.

  • State Farm has savings for passive restraint, multiple policy, student away at school, safe vehicle, defensive driving training, driver’s education, and anti-theft.
  • Farmers Insurance includes discounts for distant student, teen driver, multi-car, early shopping, and pay in full.
  • Geico may include discounts for defensive driver, membership and employees, good student, anti-lock brakes, and anti-theft.
  • American Family discounts include early bird, multi-vehicle, accident-free, bundled insurance, and good driver.
  • Nationwide offers premium reductions for good student, Farm Bureau membership, easy pay, accident-free, and business or organization.
  • Progressive may have discounts that include homeowner, multi-policy, continuous coverage, online quote discount, online signing, and multi-vehicle.

When getting free insurance coverage quotes, it’s a good idea to all the companies which credits you are entitled to. Some discounts may not apply in your area. If you would like to see a list of insurance companies with the best insurance discounts, follow this link.

Quote insurance coverage online

Many insurance companies allow you to get price estimates online. Doing online price comparisons is quite simple as you simply type in your coverage information into a form. Upon sending the form, their quoting system sends out for credit information and your driving record and returns pricing information based on many factors.

Online quotes makes it simple to compare prices but the work required to visit different websites and enter the same data into a form is a waste of time. But it’s also necessary to have as many quotes as possible if you are searching for the lowest price.

The smarter way to get multiple rate quotes is to use a quote form that gets price quotes from multiple companies. It’s a real time-saver, requires less work, and makes comparison shopping much easier to do. Immediately after submitting the form, it is quoted and you can choose any or none of the resulting price quotes. If the quotes result in lower rates, you can click and sign and purchase the new policy. This process can be completed in less than 10 minutes and could lower your rates considerably.

If you want to find out what other companies charge, click here to open in a new tab and complete the simple form. To compare your current rates, we recommend you replicate deductibles and limits identical to your current policy. This way, you’re receiving a fair comparison for similar insurance coverage.

Choices you make can impact your insurance costs

Consumers need to have an understanding of the rating factors that are used to determine your insurance coverage rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to lower rates.

  • Teenagers vs. older drivers – Teenage drivers are known to get distracted easily when behind the wheel and because of this, their insurance coverage rates are much higher. More experienced drivers are more responsible, statistically cause fewer accidents and are safer drivers.
  • Advanced alarm systems – Buying a car with advanced anti-theft systems can help lower your rates. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft.
  • Where you reside can impact premiums – Choosing to live in less populated areas may provide you with better prices when talking about insurance coverage. Drivers in populated areas tend to have much more traffic and higher rates of accident claims. Less people translates into fewer accidents and also fewer theft and vandalism claims.
  • Additional coverages that may be costing you – There are a lot of additional extra coverages that can waste your money but may not be useful. Things like roadside assistance, towing coverage, and extra equipment coverage may not be needed and are just wasting money. They may seem like a good idea when deciding what coverages you need, but if you have no use for them remove them and pocket the money.
  • Amount of liability protection – Your insurance coverage policy’s liability coverage provides coverage if ever you are ruled to be at fault for an accident. It provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Your gender affects prices – Statistics demonstrate females are less aggressive when driving. However, this does not mean women are better drivers. Both genders are responsible for accidents at about the same rate, but males have costlier accidents. Men also statistically get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers cause the most accidents and thus pay the highest rates.
  • No claims equals cheaper prices – If you file claims often, don’t be surprised to see either a policy non-renewal or much higher rates. Insurance companies provide discounts to insureds who only file infrequent claims. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.

When do I need an agent’s advice?

When it comes to buying the best insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • How many claims can I have before being cancelled?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does medical payments coverage apply to all occupants?
  • At what point should I drop full coverage?
  • Will my insurance pay for OEM parts?
  • Should I bundle my homeowners policy with my auto?
  • Does car insurance cover theft of personal property?
  • Is my cargo covered for damage or theft?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, complete this form.

Why you might not save $468 a year

Respected companies like 21st Century, Allstate and State Farm seem to constantly run ads on television and other media. They all seem to advertise claims that people will save just by switching your coverage to them. How is it plausible that every one can offer drivers better rates? This is how they do it.

Insurance companies have strict underwriting profiles for the type of driver that earns them a profit. One example of this type of insured might be a married female, is a homeowner, and drives less than 10,000 miles a year. Anyone who matches those parameters gets the lowest premium rates as well as save money with a new company.

People who don’t measure up to those criteria will probably be forced to pay a higher rate and the customer not purchasing. If you pay attention, the ads say “drivers that switch” not “all people who quote” save the amount stated. This is how companies can truthfully advertise the way they do. This illustrates why it is so important to compare as many free insurance coverage quotes as you can. It’s just not possible to know which company will give you lower car insurance rates than your current company.

Parts of your car insurance policy

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists 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 Ford C-Max Energi.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive or Other Than Collision

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 claims such as damage from a tornado or hurricane, hail damage, hitting a deer, theft and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like doctor visits, EMT expenses, hospital visits, dental work and surgery. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, sustaining damage from a pot hole, driving through your garage door and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverages

This provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like bail bonds, loss of income, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Get your money’s worth

The cheapest 2013 Ford C-Max Energi insurance is attainable online and from local agencies, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some companies do not provide online price quotes and usually these small, regional companies prefer to sell through independent insurance agencies.

People change insurance companies for any number of reasons including an unsatisfactory settlement offer, lack of trust in their agent, delays in paying claims and questionable increases in premium. It doesn’t matter why you want to switch switching insurance companies can be pretty painless.

We just presented a lot of ways to lower your 2013 Ford C-Max Energi insurance premium rates. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest premium rates come from the smaller companies.

Much more information about insurance is available below: