2015 Ford C-Max Energi Insurance Rates

Buyers have options when searching for the best price on Ford C-Max Energi insurance. You can either spend your time driving around getting price quotes or leverage the internet to get rate quotes.

There are more efficient ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a Ford and get the lowest possible price from both online companies and local agents.

How much is insurance?

Getting a cheap price on 2015 Ford C-Max Energi insurance can be surprisingly simple. All that’s required is to spend a few minutes on the computer to get quotes to discover which company has cheap insurance coverage quotes. You can get a good selection of rate quotes by following the guidelines below.

  • One of the fastest ways consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method eliminates the need for multiple quote forms for every prospective company. One form gets insurance cost estimates direct from many companies.It’s the quickest way to get rates.
  • A less efficient way to obtain and compare quotes online requires a visit to each individual company website and repeat the quote process again and again. For examples sake, let’s assume you want rates from Nationwide, Esurance and Allstate. To get each rate you have to go to each individual site and repeatedly type in your coverage information, which can get old fast. To view a list of companies in your area, click here.

However you get your quotes, be sure you’re using equivalent coverage data with every price quote. If each company quotes different data then you won’t be able to determine the lowest rate for your Ford C-Max Energi.

Lower-cost car insurance quotes with discounts

Some providers don’t list all possible discounts in a way that’s easy to find, so here is a list some of the more common in addition to some of the lesser obvious credits available to bring down your rates.

  • Senior Discount – If you qualify as a senior citizen, you could receive a slight reduction on a insurance coverage quote for C-Max Energi insurance.
  • No Claim Discounts – Claim-free drivers get the best car insurance rates in comparison to drivers who are more careless.
  • Safe Driver Discounts – Drivers who don’t get into accidents can save up to 40% or more on their insurance coverage quote for C-Max Energi insurance than their less cautious counterparts.
  • Memberships – Affiliation with a qualifying organization could trigger savings on car insurance.
  • Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote insurance coverage for C-Max Energi insurance with a few car insurance companies.
  • Home Ownership Discount – Just owning your own home can save a few bucks because owning a home means you have a higher level of financial diligence.
  • No Charge for an Accident – Not really a discount, but certain companies will allow you to have one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.

Discounts lower rates, but some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, that’s just not realistic.

Larger car insurance companies and a partial list of their discounts can be found below.

  • Progressive includes discounts for online quote discount, multi-policy, homeowner, multi-vehicle, and online signing.
  • The Hartford offers premium reductions for air bag, vehicle fuel type, anti-theft, good student, and driver training.
  • Mercury Insurance may offer discounts for ease of repair, low natural disaster claims, good student, annual mileage, type of vehicle, multi-car, and location of vehicle.
  • GEICO may have discounts that include seat belt use, anti-lock brakes, air bags, driver training, membership and employees, military active duty, and multi-vehicle.
  • AAA has savings for pay-in-full, good student, AAA membership discount, good driver, education and occupation, and multi-car.
  • State Farm offers discounts including defensive driving training, Steer Clear safe driver discount, good driver, driver’s education, safe vehicle, and multiple policy.

When getting a coverage quote, ask all companies you are considering which discounts they offer. Depending on the company, some discounts might not be offered in your area. To view insurance companies who offer free car insurance quotes, click here.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

These are some specific questions might point out if your situation might need an agent’s assistance.

  • Are there companies who specialize in insuring high-risk drivers?
  • What is roadside assistance coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Who is covered when they drive my 2015 Ford C-Max Energi?
  • Is motorclub coverage worth it?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverage options for a 2015 Ford C-Max Energi

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. 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 vandalism, hitting a deer, theft, falling objects and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Ford C-Max Energi.

Since a lot of drivers 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. Frequently these limits are set the same as your liablity limits.

Coverage for collisions

This coverage pays for damage to your C-Max Energi caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, sideswiping another vehicle, backing into a parked car, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Liability insurance

This coverage provides protection from injuries or damage you cause to people or other property. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, repair bills for other people’s vehicles, structural damage, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses like doctor visits, hospital visits, prosthetic devices, chiropractic care and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Spend less. Save more.

As you quote insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where an insured dropped comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, extreme rates for teen drivers or even delays in responding to claim requests. It doesn’t matter why you want to switch finding a new auto insurance company is pretty easy and you might even save some money in the process.

More affordable auto insurance can be sourced both online in addition to many insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers may not have online price quotes and most of the time these small insurance companies provide coverage only through independent insurance agents.

More detailed auto insurance information is available at these sites: