2017 Ford C-Max Hybrid Car Insurance Quotes – 6 Tips to Save

Are you kicking yourself for buying an overpriced insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance. Having so many insurance providers from which to choose, it is hard for the average consumer to choose a more affordable insurance company.

Buying car insurance is not that difficult. If you have a policy now or are shopping for new coverage, you can follow these tips to reduce the price you pay and still get good coverage. Consumers only need to know the tricks to compare rates online.

The fastest way that we advise to get policy rate comparisons is to know most of the bigger providers provide online access to give free rates quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as how old drivers are, if a SR-22 is needed, daily mileage, and what you do for a living. The rating information is submitted instantly to multiple companies and you will receive price estimates very quickly.

If you would like to start a quote now, click here then complete the form.

Don’t overlook these six insurance discounts

Some insurers don’t always list all their discounts very well, so we break down both well-publicized and also the more inconspicuous discounts that you may qualify for. If you check and find you aren’t receiving every discount you deserve, you could be getting lower rates.

Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy a life policy as well.
Multi-Vehicle Discounts – Insuring multiple vehicles with the same insurance company qualifies for this discount.
E-sign – Many companies provide a small discount for completing your application on their website.
Good Students Pay Less – Getting good grades may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you up until you turn 25.
Payment Method – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
Senior Discount – Drivers over the age of 55 may receive a small discount on rates on C-Max Hybrid insurance.

Policy discounts save money, but most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you could get a free insurance policy, it doesn’t quite work that way.

A list of insurance companies and a selection of discounts include:

Geico may include discounts for driver training, air bags, daytime running lights, anti-lock brakes, and seat belt use.
MetLife may offer discounts for good student, defensive driver, accident-free, claim-free, good driver, and multi-policy.
Progressive may have discounts that include continuous coverage, online signing, homeowner, multi-vehicle, and good student.
Travelers discounts include new car, continuous insurance, good student, save driver, payment discounts, multi-car, and multi-policy.
SAFECO offers discounts for multi-car, safe driver, drive less, anti-theft, teen safety rewards, homeowner, and bundle discounts.
AAA includes discounts for anti-theft, multi-policy, good driver, education and occupation, multi-car, good student, and pay-in-full.

Double check with every insurance company which discounts can lower your rates. Some discounts listed above might not apply in your state. To choose insurance companies who offer online insurance quotes, click this link.

When to get professional advice

When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique so your insurance needs to address that. These are some specific questions might point out whether or not you could use an agent’s help.

Why does it cost so much to insure a teen driver?
Should I get collision insurance on every vehicle?
Is my custom paint covered by insurance?
How high should my medical payments coverage be?
When can I cancel my policy?
When should I not file a claim?
Can I afford low physical damage deductibles?
How much liability insurance is required?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Educate yourself about insurance coverages

Understanding the coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like funeral costs, dental work, X-ray expenses and nursing services. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

This coverage can cover damage or injury you incur to other people or property in an accident. 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 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims such as loss of income, medical services, structural damage and court costs. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Ford C-Max Hybrid.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, damage from getting keyed, a broken windshield and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

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

Collision insurance covers claims such as sideswiping another vehicle, damaging your car on a curb 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 lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.