2014 Ford C-Max Energi Insurance Cost

I doubt anyone fancies paying their premiums for insurance, especially when they are aware that the prices are way too high.

Multiple car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible.

It’s a good idea to compare prices yearly because rates are rarely the same from one policy term to another. Even if you think you had the best deal on C-Max Energi coverage six months ago you can probably find a lower rate today. You can find a lot of misleading information regarding insurance out there, but you can learn some solid techniques on how to save money.

Affordable insurance coverage quotes online

There are several ways to compare rate quotes from many insurance coverage companies in your state. The recommended way to find the cheapest 2014 Ford C-Max Energi insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. If you are pressed for time, the simplest way to find low rates would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do multiple quote forms for every company. Just one form gets you coverage quotes instantly.
  2. A more difficult way to analyze rates consists of going to the website of each company and fill out their own quote form. For examples sake, let’s assume you want to compare GEICO, Esurance and Travelers. To find out each rate you need to go to every website and repeatedly type in your coverage information, which can get rather old. For a handy list of car insurance company links in your area, click here.
  3. The old school way to get comparison rates is to spend your day driving to all the different insurance agencies. Doing it all online eliminates the middleman unless you have a complicated situation and need the extra assistance that can only be provided by a licensed insurance agent. Although, it is possible find lower rates online and have a local agent actually service the policy.

It doesn’t matter which method you choose, just make sure you are using identical deductibles and coverage limits on every quote you get. If you use different data it will be impossible to determine which rate is truly the best. Slightly different coverage limits can result in a big premium difference. Keep in mind that making a lot of price comparisons helps improve the odds of finding lower pricing.

Why you might pay inflated rates

Lots of things are part of the equation when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but some are more transparent like your vehicle usage or your financial responsibility.One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that help determine the price you pay for insurance coverage. If you understand what impacts premium levels, this helps enable you to make changes that could help you find lower rates.

  • How many miles do you drive? – The more miles you rack up on your Ford in a year’s time the higher the price you pay to insure it. Most companies price each vehicle’s coverage based upon how much you drive. Vehicles that have low annual miles can be on a lower rate level than those that get driven frequently. Improper usage on your C-Max Energi is throwing money out the window. It’s always a good idea to double check that your declarations sheet is rated on the proper vehicle usage.
  • Policy add-ons could be costing you – Insurance companies have many add-on coverages that may not really be needed but may not be useful. Insurance for things like replacement cost coverage, towing, and motor club memberships are examples of these. You may think they are a good idea when talking to your agent, but if they’re wasting money remove them from your policy.
  • Careless drivers pay higher costs – Your driving record can have a huge impact on auto insurance premiums. Having just one chargable violation can increase rates by twenty percent. Good drivers pay lower auto insurance prices compared to bad drivers. Drivers who have careless violations like reckless driving, hit and run or driving under the influence are required to complete a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Cheaper to insure females? – Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men are responsible for auto accidents at a similar rate, but the males tend to have higher claims. Men also statistically receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 tend to get in the most accidents and therefore are the most expensive to insure.

Get lower rates by earning discounts

Insurance can be prohibitively expensive, but there may be some discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at the time of quoting, but once in a while a discount must be asked about before you will receive the discount.

  • Distant Student Discount – Older children who are attending college and don’t have a car could qualify for this discount.
  • Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks on one policy can reduce rates for all insured vehicles.
  • Cautious Drivers – Drivers without accidents can save up to 40% or more on their insurance coverage quote on C-Max Energi coverage as compared to drivers with claims.
  • Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on insurance coverage quote when compared with drivers who are more careless.
  • Discount for New Cars – Buying a new car model can cost up to 25% less because newer models have to meet stringent safety requirements.

It’s important to understand that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. So even though you would think adding up those discounts means a free policy, you’re out of luck.

Companies and their possible discounts are included below.

  • GEICO includes discounts for federal employee, driver training, anti-theft, five-year accident-free, membership and employees, and multi-policy.
  • Mercury Insurance has discounts for ease of repair, good student, multi-car, age of vehicle, type of vehicle, and low natural disaster claims.
  • Farmers Insurance offers discounts including early shopping, alternative fuel, multi-car, pay in full, youthful driver, business and professional, and bundle discounts.
  • Auto-Owners Insurance policyholders can earn discounts including student away at school, anti-lock brakes, group or association, paid in full, paperless, and multi-policy.
  • Liberty Mutual may have discounts that include new move discount, hybrid vehicle, preferred payment discount, new vehicle discount, multi-car, and exclusive group savings.
  • SAFECO offers premium reductions for accident prevention training, multi-car, anti-theft, teen safe driver, and teen safety rewards.
  • Progressive has savings for continuous coverage, online signing, good student, homeowner, and online quote discount.
  • USAA discounts include safe driver, driver training, defensive driver, family discount, and multi-policy.

It’s a good idea to ask each insurance company the best way to save money. Some of the earlier mentioned discounts might not apply in your area. For a list of insurance companies that offer some of these discounts, click here.

Your auto insurance coverage should be tailored to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique so your insurance needs to address that. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • I have health insurance so do I need medical payments coverage?
  • When can my company non-renew my policy?
  • Can my babysitter drive my car?
  • What is high-risk coverage and where do I buy it?
  • What is the rate difference between pleasure use and commuting?
  • Can I drive in Mexico and have coverage?
  • Do I need replacement cost coverage?
  • Am I covered if hit by an uninsured driver?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance coverage specifics

Having a good grasp of auto insurance can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on the average auto insurance policy.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like court costs, medical expenses, structural damage and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Coverage for collisions

This will pay to fix damage to your C-Max Energi resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, backing into a parked car, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford C-Max Energi.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses for prosthetic devices, nursing services and doctor visits. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

More effort can pay off

In this article, we covered a lot of ways to lower your 2014 Ford C-Max Energi insurance car insurance rates. The key thing to remember is the more providers you compare, the better chance you’ll have of finding cheaper insurance coverage. You may be surprised to find that the biggest savings come from the smaller companies. Smaller companies may only write in your state and offer lower premium rates than their larger competitors like State Farm or Progressive.

Budget-conscious 2014 Ford C-Max Energi insurance is attainable both online in addition to many insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and usually these small, regional companies sell through independent agents.

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