2015 Ford C-Max Hybrid Insurance Cost

Searching for low-cost insurance for a Ford C-Max Hybrid can normally be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to find car insurance online so we’re going to tell you the quickest way to compare rates for a new or used Ford and get the cheapest rates either online or from local insurance agents.

Smart consumers take time to do price comparisons as often as possible since insurance prices are adjusted regularly by insurance companies. If you had the lowest rate for C-Max Hybrid insurance a few years ago you can probably find a better premium rate now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the quickest way to properly buy coverages while reducing your premium.

If you have insurance now or are just looking to switch companies, you can follow these tips to reduce the price you pay while maintaining coverages. Finding the lowest cost auto insurance coverage is simple if you know the tricks. Consumers just need to know the proper methods to find the lowest price over the internet.

How to buy car insurance

Shopping for lower car insurance rates can be a lot of work if you aren’t aware of the most efficient way. You could spend the better part of a day talking about coverages with agents in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many popular insurance companies enroll in a system where prospective buyers only type in their quote data once, and at least one company then gives them pricing determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for. To find out how much you’re overpaying now click here (opens in new window).

The one downside to doing it this way is you can’t choose which insurance companies to get pricing from. So if you prefer to choose individual companies to compare rates, we have a page of car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but compare nearly identical coverage information with each company. If you compare unequal deductibles or liability limits you can’t possibly find the best deal for your Ford C-Max Hybrid.

Find discounts to get cheap insurance rates

Insurance is not an enjoyable expense, but there may be some discounts to help offset the cost. A few discounts will automatically apply when you quote, but less common discounts must be requested specifically before being credited. If you’re not getting every credit you deserve, you are just wasting money.

  • Professional Memberships – Having an affiliation with specific professional or occupational memberships or organizations can get you a small discount on your policy.
  • Drivers Education – It’s a good idea to have your young drivers complete a driver education course as it will make them better drivers and lower rates.
  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • Full Payment Discount – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.
  • Accident Forgiveness – Not a discount per se, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before your rates go up so long as you are claim-free before the accident.
  • Discount for Low Mileage – Driving less may allow you to get discounted prices on garaged vehicles.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, insurance companies aren’t that generous. Any amount of discount will lower your policy premium.

Some of the insurance companies that may offer policyholders most of these discounts possibly include:

When getting a coverage quote, ask every prospective company which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in your area. For a list of insurance companies who offer online insurance quotes, click here.

How your C-Max Hybrid insurance premiums are determined

When buying insurance coverage it’s important to understand the different types of things that come into play when calculating your premiums. When you understand what determines premiums, this enables you to make decisions that can earn you lower premium levels.

The itemized list below are some of the major factors used by insurance companies to determine prices.

  • Are females or males drivers cheaper? – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that men are worse drivers. Men and women tend to get into at-fault accidents in similar numbers, but guys get into accidents with more damage. Men also have more aggressive citations such as DWI and reckless driving.
  • Don’t let your policy lapse – Driving without insurance coverage in place is illegal and any future policy may cost more because you let your insurance lapse. Not only will you pay more, the inability to provide proof of insurance could earn you a revoked license or a big fine.
  • Five star crash test rating saves money – Safer cars cost less to insure. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford C-Max Hybrid is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Incidental coverages are wasting money – There are a ton of optional add-on coverages that may not really be needed if you don’t pay attention. Insurance for things like roadside assistance, accident forgiveness, and additional equipment coverage are examples of these. They may sound like good ideas when deciding what coverages you need, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

For instance, these questions might point out whether or not you might need an agent’s assistance.

  • When should I drop full coverage on my 2015 Ford C-Max Hybrid?
  • Can I get a multi-policy discount?
  • How much underlying liability do I need for an umbrella policy?
  • Am I insured when driving a different vehicle?
  • What are the financial responsibility laws in my state?
  • How can I find cheaper teen driver insurance?
  • What companies insure drivers after a DUI or DWI?
  • What is PIP insurance?
  • What are the best liability limits?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Save $389 a year. For real?

Consumers constantly see and hear ads that claim the best prices from the likes of GEICO, State Farm and Progressive. They all seem to have a common claim that you can save after switching to them.

How can each company save you money? Just pay attention to how they say it.

Many companies give the cheapest rates for the type of driver they prefer to insure. For instance, this type of insured may need to be married and over the age of 30, has few claims, and drives a car with an anti-theft system. A driver who meets those qualifications will probably get cheap prices and have a good chance to cut their rates if they switch.

People who do not match those standards may receive a higher premium with the end result being the customer not buying. The ad wording is “people that switch” not “everyone that quotes” save that much money. That’s why companies can advertise the savings. Each company has different criteria, so you need to compare quotes as often as possible. It’s impossible to know which auto insurance company will have the lowest rate quotes.

Information about specific coverages

Understanding the coverages of your insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, falling objects, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants 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 doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses like doctor visits, dental work and pain medications. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, driving through your garage door, colliding with a tree, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance can cover damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like medical expenses, emergency aid, court costs, medical services and pain and suffering. How much liability should you purchase? That is up to you, but buy higher limits if possible.

What is YOUR best insurance company?

Budget-friendly car insurance can be found on the web in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide online rate quotes and most of the time these regional carriers only sell through independent agents.

When you buy insurance coverage online, it’s a bad idea to reduce needed coverages to save money. In too many instances, an accident victim reduced collision coverage only to regret at claim time that the small savings ended up costing them much more. Your objective should be to find the BEST coverage at the best cost, but do not skimp to save money.

We just presented quite a bit of information on how to compare 2015 Ford C-Max Hybrid insurance auto insurance rates online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding the cheapest insurance coverage. Consumers could even find that the lowest auto insurance rates come from the smaller companies.

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