2018 Ford C-Max Hybrid Insurance Quotes – 6 Tips for Cheaper Rates

Looking for lower insurance rates for your Ford C-Max Hybrid? Are you regretting buying overpriced insurance? Trust us, you’re not alone.

Lots of insurance companies contend for your business, so it’s not easy to compare every insurer to find the lowest cost out there.

Reduce your auto insurance rates with these six discounts

Insuring your fleet can be pricey, but there could be significant discounts that can drop the cost substantially. Many discounts should be triggered at the time of purchase, but some discounts are required to be specially asked for before you will receive the discount. If you do not double check each discount you qualify for, you could be saving more on your auto insurance.

• Payment Method – If you pay your bill all at once instead of making monthly payments you may have a lower total premium amount.
• Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
• Student Discount for Driver Training – Teen drivers should participate in a local driver’s education class as it can save substantially.
• Multi-Vehicle Discounts – Buying a policy with more than one vehicle on one policy can get a discount for every vehicle.
• Discount for Good Grades – A discount for being a good student may save as much as 25% on a insurance quote. This discount can apply up to age 25.
• Clubs and Organizations – Joining qualifying clubs or civic groups is a good way to get lower rates when shopping for auto insurance.

As a footnote on discounts, some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, that’s just not realistic.

Popular auto insurance companies and a partial list of their discounts can be read below.

• Progressive may offer discounts for good student, continuous coverage, multi-vehicle, multi-policy, homeowner, online quote discount, and online signing.
• SAFECO includes discounts for teen safe driver, anti-theft, bundle discounts, multi-car, and accident prevention training.
• American Family policyholders can earn discounts including defensive driver, TimeAway discount, air bags, good student, and bundled insurance.
• MetLife discounts include multi-policy, accident-free, good student, good driver, and claim-free.
• Geico offers discounts including federal employee, five-year accident-free, anti-lock brakes, driver training, anti-theft, air bags, and defensive driver.
• The Hartford may have discounts that include good student, driver training, defensive driver, vehicle fuel type, air bag, and anti-theft.

If you need lower rates, check with every insurance company which discounts they offer. Some discounts might not apply everywhere. To locate insurance companies who offer auto insurance discounts, click here to view.

You are unique and your auto insurance should be too

When buying the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help highlight if you will benefit from professional help.

• Do I need more liability coverage?
• Is my nanny covered when driving my vehicle?
• Is my camper covered by my car insurance policy?
• Should I waive the damage coverage when renting a car?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What is the ISO rating for a 2018 Ford C-Max Hybrid?
• Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance 101

Knowing the specifics of insurance can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Auto liability insurance

This coverage can cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like medical services, structural damage, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This covers damage to your C-Max Hybrid resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, rolling your car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

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 can pay for things such as fire damage, a broken windshield, damage from a tornado or hurricane, hitting a bird and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2018 Ford C-Max Hybrid.

Since many 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. Normally these limits are similar to your liability insurance amounts.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, surgery, pain medications, funeral costs and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Make a quick buck

The cheapest 2018 Ford C-Max Hybrid insurance can be sourced on the web as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies don’t offer online rate quotes and these small, regional companies work with independent insurance agencies.

When shopping online for insurance coverage, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your objective should be to buy enough coverage at the lowest possible cost, but do not skimp to save money.

We just showed you a lot of ways to get a better price on 2018 Ford C-Max Hybrid insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding the cheapest insurance. Consumers may even find the best prices are with a small local company. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive and Geico.

More detailed insurance coverage information is located by following these links:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Learn About Car Insurance (Geico)
• Winter Driving (Insurance Information Insitute)