Want lower insurance rates for your Ford C-Max Energi? Did a good deal turn into an underperforming, overpriced insurance policy? You’re preaching to the choir because many drivers feel the same as you. Big companies like Allstate, Progressive and Geico all claim big savings with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.
If you are insured now or need a new policy, you will benefit by learning to cut your premiums while maintaining coverages. Choosing the best insurance company for you is not rocket science. Consumers just need to know the proper methods to compare rates online.
There are a lot of ways to compare car insurance quotes, but one way is more efficient than others. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can utilize online quoting to accomplish the same thing much quicker.
Most major companies participate in a marketplace that enables customers to only type in their quote data once, and each participating company returns a competitive quote based on that information. This prevents consumers from doing form submissions for every car insurance company.
To submit your quote information now, click here to open in new window.
The only downside to using this type of form is that you can’t choose which carriers you want to price. If you prefer to choose specific providers to compare, we put together a list of car insurance companies in your area. View list of insurance companies.
However you get your quotes, make sure you compare identical coverage information for every company. If your comparisons have mixed coverages it’s impossible to get a fair rate comparison.
Consumers can’t avoid all the ads that promise big savings from companies such as Geico, State Farm and Progressive. They all seem to say the same thing of big savings if you move your policy.
That’s great but how can every company offer drivers better rates? It’s all in how they say it.
Insurance companies have specific characteristics for the type of driver that will most likely be profitable. For instance, this type of insured might be over the age of 50, has never had a claim, and drives a car with an anti-theft system. Anybody who matches that profile will get very good prices and most likely will save if they switch.
Insureds who do not fit the requirements may be forced to pay a more expensive rate which translates to the customer buying from a different company. Company advertisements say “people that switch” not “everyone that quotes” save that much. That’s why companies can make the claims of big savings. Because of these techniques, you really need to compare as many free insurance quotes as you can. It is impossible to guess which insurance company will provide the lowest car insurance rates.
Insurance coverage is easily one of your largest bills, but there’s a good chance there are discounts to help offset the cost. Many of these discounts will be applied automatically at the time you complete a quote, but some need to be manually applied before you get the savings.
While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky.
Large insurance coverage companies and some of the discounts can be found below.
When quoting, ask each insurance company to give you their best rates. Discounts might not apply in every state. To see providers that offer some of these discounts, click this link.
When choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover if your situation might need professional guidance.
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.
Having a good grasp of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.
Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like pain medications, surgery and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liability – This will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against things such as pain and suffering, medical services and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.
Collision coverage – Collision insurance will pay to fix damage to your C-Max Energi resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things such as driving through your garage door, backing into a parked car, rolling your car, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your 2015 Ford C-Max Energi.
Since many drivers only purchase the least amount of liability that is required, 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.
Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as damage from flooding, theft, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Cost effective 2015 Ford C-Max Energi insurance is possible both online and from local insurance agents, and you should compare rates from both so you have a total pricing picture. Some car insurance companies do not offer online price quotes and many times these regional insurance providers sell through independent agencies.
When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to get the best coverage possible for the lowest price while not skimping on critical coverages.
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