2018 Ford C-Max Hybrid Car Insurance Cost – 6 Ideas for Cheaper Prices

Trying to find the cheapest car insurance rates for your Ford C-Max Hybrid? Are you tired of sacrificing to pay high car insurance rates every month? You are no different than most other people. You have so many car insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it makes it harder to find a good deal.

Finding the best rates is not rocket science. If you have car insurance now, you should be able to reduce your rates substantially using this information. Drivers just need to learn the most efficient way to buy insurance online.

How to get cheap car insurance

There are several ways to shop for car insurance, and some are less time-consuming than others. You could waste a few hours driving to insurance agencies in your area, or you could use the web for quick rates.

The majority of car insurance companies participate in a marketplace that allows shoppers to submit their information once, and at least one company returns a competitive quote for coverage. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To find out how much you’re overpaying now click to open in new window.

The single downside to using this type of form is that you can’t choose which providers you want pricing from. So if you want to select specific providers for rate comparison, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make absolute certain that you use the same coverage limits and deductibles with every price quote. If you enter higher or lower deductibles it will be impossible to make a fair comparison for your Ford C-Max Hybrid.

Do drivers who switch really save?

Consumers constantly see and hear ads for cheaper car insurance from companies such as Progressive, Allstate and Geico. All the ads make the same claim of big savings if you switch your policy.

How does each company make almost identical claims? It’s all in the words they use.

Insurance companies have specific characteristics for the driver that is profitable for them. A good example of a profitable insured might be described as between the ages of 30 and 50, has few claims, and drives less than 5,000 miles a year. Anybody who meets those qualifications may get the lowest prices and will most likely save some money.

Insureds who fall outside this ideal profile will probably be forced to pay higher rates and the driver buying from a lower-cost company. The trick companies use is to say “people that switch” not “everybody who quotes” save that much money. That’s why companies can claim big savings. This emphasizes why it is so important to do a quote comparison often. It is just not possible to predict with any certainty which company will provide you with the cheapest rates.

Discounts can really help lower premiums

Auto insurance companies don’t necessarily list all disounts very well, so the list below gives a summary of some of the best known and also the lesser-known discounts that you can inquire about if you buy auto insurance online. If you do not check that you are getting every discount available, you are just wasting money.

  • Service Members Pay Less – Being deployed in the military could trigger a small discount.
  • Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for C-Max Hybrid insurance with a few car insurance companies.
  • Low Miles Discount – Maintaining low annual mileage can qualify you for substantially lower premium rates.
  • Good Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates for C-Max Hybrid insurance than drivers with accidents.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of 20% or more.
  • Student in College – who are attending college and won’t have access to an insured vehicle can be insured at a reduced rate.

Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A few popular companies and their offered discounts include:

  • 21st Century offers discounts for driver training, anti-lock brakes, good student, defensive driver, and theft prevention.
  • State Farm has savings for multiple policy, Drive Safe & Save, anti-theft, defensive driving training, good student, and safe vehicle.
  • AAA discounts include AAA membership discount, good student, multi-policy, education and occupation, good driver, and multi-car.
  • Liberty Mutual offers premium reductions for new graduate, new move discount, multi-policy, newly married, multi-car, teen driver discount, and preferred payment discount.
  • Progressive policyholders can earn discounts including multi-vehicle, multi-policy, continuous coverage, online quote discount, and good student.

Before buying, ask every insurance company which discounts you qualify for. A few discounts might not be offered in every state. To see a list of insurers that offer many of these discounts, click here to view.

Will just any policy work for me?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine if you might need an agent’s assistance.

  • How many claims can I have before being cancelled?
  • Do I need replacement cost coverage on my 2018 Ford C-Max Hybrid?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my Ford C-Max Hybrid covered if I use it for business?
  • Am I covered if I break a side mirror?
  • Am I missing any policy discounts?
  • Does coverage extend to a rental car in a foreign country?
  • Can I afford low physical damage deductibles?
  • When would I need rental car insurance?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Detailed coverages of your car insurance policy

Knowing the specifics of a car insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are the normal coverages available from car insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Ford C-Max Hybrid.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hail damage and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for EMT expenses, chiropractic care and dental work. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like bail bonds, medical services, repair costs for stationary objects, court costs and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

More quotes mean more savings

As you quote auto insurance, do not reduce needed coverages to save money. Too many times, an insured dropped full coverage only to regret at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

You just learned many tips how you can shop for 2018 Ford C-Max Hybrid insurance online. The key concept to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even discover the biggest savings come from a small mutual company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

More detailed insurance coverage information can be read in the articles below: