2014 Ford C-Max Hybrid Insurance Cost

Drivers that are new to comparing rates online may find buying affordable insurance is more work than they anticipated.

The fastest way that we advise to get policy rate comparisons is to realize most insurance companies participate in online systems to give you rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details such as if the car is leased, how much school you completed, how much coverage you want, and whether you are single or married. Those rating factors is submitted instantly to multiple different insurance companies and you will get price comparisons almost instantly.

To compare multiple company rates now, click here and enter your coverage details.

When to get professional advice

When choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions might point out whether or not you may require specific advice.

  • Why do I only qualify for high-risk insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I get a multi-policy discount?
  • Should I drop comprehensive coverage on older vehicles?
  • What can I do if my company denied a claim?
  • When should I drop full coverage on my 2014 Ford C-Max Hybrid?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverage

Collision insurance pays for damage to your C-Max Hybrid from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, crashing into a building, backing into a parked car, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford C-Max Hybrid.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as court costs, medical services, bail bonds and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from getting keyed, a broken windshield and rock chips in glass. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like chiropractic care, hospital visits and prosthetic devices. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay