Cheap 2016 Ford C-Max Energi Car Insurance Rates

Searching for the cheapest insurance rates for your Ford C-Max Energi? Are you burned out from robbing Peter to pay Paul to make your insurance payment? You have the same problem as the majority of other consumers.

Consumers have so many car insurance companies to purchase coverage from, and though it is a good thing to have a choice, more choices can make it harder to compare rates and cut insurance costs.

The easiest way to compare car insurance rates takes advantage of the fact auto insurance companies pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is take a few minutes to give details such as whether you are single or married, driver ages, how you use your vehicles, and if the car is leased. Your details gets sent immediately to multiple different insurance companies and they return cost estimate quickly.

More discounts mean affordable premiums

Auto insurance companies don’t always list every available discount very clearly, so the following list contains a few of the more common and also the more inconspicuous ways to save on car insurance. If you don’t get every credit you qualify for, you may be paying too high a price.

Passenger Safety Discount – Factory air bags may earn rate discounts of up to 25% or more.
Multiple Vehicles – Buying a policy with more than one vehicle on the same car insurance policy can get a discount for every vehicle.
Savings for New Vehicles – Buying a new car model can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Cautious Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for C-Max Energi coverage than their less cautious counterparts.
Memberships – Joining a professional or civic organization is a simple method to lower premiums on your bill.
Active Service Discounts – Having a deployed family member can result in better rates.
Student Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course in high school.
Discount for Home Ownership – Owning your own home or condo can save a few bucks because owning a home requires a higher level of personal finance.
Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.

One thing to note about discounts is that most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way.

Popular car insurance companies and their possible discounts can be found below.

Geico discounts include emergency military deployment, anti-theft, federal employee, military active duty, daytime running lights, seat belt use, and five-year accident-free.
USAA offers discounts for new vehicle, family discount, vehicle storage, multi-policy, and loyalty savings.
Progressive may include discounts for online quote discount, multi-vehicle, continuous coverage, multi-policy, homeowner, online signing, and good student.
American Family offers discounts including air bags, TimeAway discount, good student, accident-free, and bundled insurance.
Esurance may offer discounts for paid-in-full, safety device, multi-car, claim free, anti-theft, and Pac-12 alumni.
Farmers Insurance has savings for business and professional, homeowner, pay in full, switch companies, and good student.
State Farm may have discounts that include student away at school, anti-theft, Steer Clear safe driver discount, multiple policy, Drive Safe & Save, and driver’s education.

If you need low cost car insurance quotes, ask all the companies which discounts you may be entitled to. All car insurance discounts may not be offered in every state. If you would like to see a list of insurance companies with the best discounts, click here.

It’s not one size fits all

When it comes to choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

Does insurance cover tools stolen from my truck?
Am I covered when using my vehicle for business?
Will my vehicle be repaired with OEM or aftermarket parts?
Does coverage extend to Mexico or Canada?
How can I get high-risk coverage after a DUI?
What vehicles should carry emergency assistance coverage?

If you can’t answer these questions, you may need to chat with 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

The coverage is in the details

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, a tree branch falling on your vehicle, hail damage, theft and vandalism. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for things like nursing services, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2016 Ford C-Max Energi.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Liability coverage

This provides protection from damage that occurs to a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical services, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your C-Max Energi resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.