Lower Your 2014 Ford C-Max Hybrid Insurance Rates

No one likes having to buy insurance coverage, especially knowing the cost is too high.

Having so many choices, it’s difficult to locate the most cost effective insurer.

It’s a great practice to compare premium rates before your next renewal because insurance coverage prices change frequently. Despite the fact that you may have had the lowest rate for C-Max Hybrid coverage a year ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the quickest way to buy cheaper insurance coverage.

Choosing the best insurance company for you is not that difficult. Basically, every driver who is shopping for auto insurance stands a good chance to be able to save money. Nevertheless, car owners do need to understand how the larger insurance companies market on the web and use this information to your advantage.

Reduce insurance rates with these tips

One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that play a part in calculating the rates you pay for insurance. If you know what determines base rates, this enables informed choices that could help you find lower rates. Lots of factors are part of the calculation when premium rates are determined. Some factors are common sense like your driving record, but others are not as apparent such as whether you are married and annual miles driven.

Listed below are some of the factors used by your company to calculate rates.

• Premiums are high for teenagers – Beginning drivers have a tendency to be inattentive and easily distracted when driving so insurance rates are higher. Parents adding a youthful driver to your insurance policy can break the bank. Older drivers are viewed as being more responsible, tend to cause fewer accidents , and usually have better credit.
• Poor driving habits leads to higher prices – Drivers who don’t get tickets have lower premiums than bad drivers. Having just one speeding ticket could increase your next policy renewal twenty percent or more. Drivers who have serious violations such as DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 form with the DMV in their state in order to keep their license.
• Premiums impacted by your city – Having an address in a small town has definite advantages when insuring your vehicles. Fewer drivers corresponds to lower accident rates and a lower car theft rate. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Longer commute distances can result in more accidents.
• Long commutes cost more – Driving more miles annually the more you’ll pay to insure it. Almost all companies calculate rates based on their usage. Autos that sit idle most of the time qualify for better rates than those used for commuting. Make sure your policy states the correct driver usage, because improper ratings can cost you money. Improper usage on your C-Max Hybrid may be costing you higher rates.
• Occupation reflects on insurance rates – Jobs such as real estate brokers, business owners and medical professionals generally pay the highest rates due to intense work requirements and lots of time spent at work. Conversely, occupations such as professors, students and the unemployed get better rates for C-Max Hybrid coverage.
• Liability coverage – Your insurance policy’s liability coverage kicks in in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

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Finding insurance

Comparing insurance rates can take hours if you don’t utilize the most efficient way to do it. You could spend your day talking to local insurance agents in your area, or you can stay home and use the internet to get pricing more quickly.

Many insurance companies belong to an insurance system that allows shoppers to submit one quote, and each participating company then gives them pricing based on that information. This saves time by eliminating quotation requests to each individual insurance company.

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

One minor caviat to getting quotes like this is that consumers can’t choose the providers you will receive quotes from. So if you want to select individual companies for rate comparison, we have a listing of companies who write insurance in your area. Click here to view list.

Take whichever approach you prefer, but be sure you’re using equivalent quote data on every quote. If each company quotes higher or lower deductibles it will be impossible to get a fair rate comparison. Just a small difference in insurance coverages could mean much higher rates. And when comparing insurance rates, know that obtaining a wide range of quotes helps increase your odds of locating the best price. Not every company does online price quotes, so it’s recommended that you also compare price quotes from the smaller companies as well.

Does auto insurance advertising bend the truth?

Well-known auto insurance companies like State Farm and Allstate continually stream ads on TV and radio. They all seem to make the same claim that you can save if you switch your coverage to them. But how can every company charge lower premium rates? This is the way they can do it.

Insurance companies have specific characteristics for the type of driver that earns them the most money. For example, this type of risk profile could be married and over the age of 30, carries high limits, and has a high credit rating. Anyone who fits those characteristics will qualify for the lowest car insurance rates and have a good chance to save some money.

Potential customers who cannot meet these criteria may be forced to pay higher premiums and ends up with business going elsewhere. The ads state “people who switch” not “everybody who quotes” save the amount stated. That is how insurance companies can make claims like that. Different companies use different criteria so you should get auto insurance quotes as often as possible. It’s just not possible to know which insurance companies will have better rates than you’re paying now.

Take policy discounts and save

Auto insurance is easily one of your largest bills, but you can get discounts to reduce the price significantly. Some discounts will apply at the time you complete a quote, but some may not be applied and must be requested specifically prior to getting the savings. If you aren’t receiving every discount available, you are throwing money away.

• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
• No Claims – Good drivers with no accidents get the best auto insurance rates in comparison with bad drivers.
• Accident Forgiveness – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
• 55 and Retired – Seniors may receive better auto insurance rates for C-Max Hybrid coverage.
• ABS and Traction Control Discounts – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Early Renewal Discounts – Select auto insurance companies give a discount for switching policies prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
• Federal Government Employee – Having worked for a branch of the government could cut as much as 10% off for C-Max Hybrid coverage with some auto insurance companies.
• Policy Bundle Discount – When you have multiple policies with one insurance company they may give you a discount of at least 10 to 15 percent or more.
• Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

If you would like to see a list of insurers who offer auto insurance discounts, click here.

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Which policy gives me the best coverage?

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether or not you could use an agent’s help.

• Should I buy full coverage?
• Are rock chip repairs covered?
• If my pet gets injured in an accident are they covered?
• Am I covered when driving in Canada or Mexico?
• Does my policy cover me when driving someone else’s vehicle?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered when driving a rental car?
• Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverage specifics

Understanding the coverages of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages offered by auto insurance companies.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like repair bills for other people’s vehicles, medical services, medical expenses, legal defense fees and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like rehabilitation expenses, ambulance fees, EMT expenses, hospital visits and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This will pay to fix 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 like hitting a bird, fire damage, hitting a deer, hail damage and rock chips in glass. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

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

Collision coverage protects against claims like crashing into a building, colliding with another moving vehicle, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Ford C-Max Hybrid.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Do the work, save more money

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

In this article, we presented many tips how you can get a better price on 2014 Ford C-Max Hybrid insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting cheap auto insurance. Consumers could even find that the most savings is with a small local company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

Other resources

• Crash Avoidance Technologies FAQ (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Comprehensive Coverage (Liberty Mutual)

Enter your zip code below to view companies that have cheap auto insurance rates.

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