Lower Your 2016 Ford C-Max Hybrid Car Insurance Rates

Looking for lower insurance rates for your Ford C-Max Hybrid? Are you frustrated by the wide range of insurance companies available to you? Many other people are too. You have so many companies to choose from that it can easily become a real difficult job to locate the lowest premium rates.

How to get free car insurance quotes online

There are multiple methods you can shop for car insurance and some are less time-consuming than others. You can waste a lot of time driving to insurance companies in your area, or you could use the web to get pricing more quickly.

The majority of car insurance companies belong to a marketplace that allows shoppers to submit one quote, and at least one company can give them a price determined by their information. This system prevents you from having to do quote forms to each individual car insurance company.

To access this free quoting program, click to open in new window.

The only downside to using this type of form is that you can’t choose which insurance companies you will receive quotes from. So if you prefer to pick specific insurance companies to compare prices, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just double check that you are using the exact same coverage data for each comparison quote. If you have different data it will be nearly impossible to decipher which rate is best. Just a small difference in coverages may result in large price differences. Just keep in mind that having more price comparisons helps improve the odds of finding more affordable rates.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Should I sign the liability waiver when renting a car?
  • How high should my medical payments coverage be?
  • Does my 2016 Ford C-Max Hybrid qualify for pleasure use?
  • What exactly is covered by my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I get collision insurance on every vehicle?
  • Am I covered when driving on a suspended license?
  • Should I buy only the required minimum liability coverage?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Coverages available on your insurance policy

Knowing the specifics of insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, prosthetic devices and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford C-Max Hybrid.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Liability coverages – This protects you from damage or injury you incur to other’s property or people. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like loss of income, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, vandalism, hail damage and fire damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – Collision coverage pays for damage to your C-Max Hybrid resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.