2016 Ford C-Max Energi Car Insurance Quotes

Feel like you have an expensive insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance policy. Consumers have many car insurance companies to pick from, and although it’s nice to be able to choose, more options can take longer to compare rates and find the lowest cost insurance.

Discounts can really help to save

Auto insurance companies don’t always publicize every available discount very well, so here is a list some of the best known as well as the least known credits available to lower your premiums when you buy insurance online.

• Discount for Life Insurance – Some insurance carriers give a small discount if you purchase some life insurance in addition to your auto policy.
• Renewal Discounts – Some insurance companies reward drivers for renewing your policy before your current coverage expires. You may see this discount when you get insurance quotes online.
• Discounts for Government Workers – Simply working for the federal government can save as much as 8% for C-Max Energi insurance with some insurance companies.
• Bundled Policy Discount – When you combine your auto and home insurance and insure them with the same company you may save up to 20% off your total premium.
• Sign Online – Some companies may give you up to $50 for signing up on the web.

Remember that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way. But any discount should definitely cut the premium cost.

To locate insurance companies with discount insurance rates, click here.

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Save money with these tips

Many things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although others are not quite as obvious like your continuous coverage or how safe your car is.

• GPS tracking and theft deterrents reduce insurance rates – Owning a car with anti-theft technology or alarm system can get you a discount on your insurance. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
• Employer reflects on prices – Do you work in a high-stress field? Careers like military personnel, social workers and financial analysts usually pay the highest average rates due to intense work-related stress and long work hours. Other jobs such as actors, engineers and homemakers receive lower rates for C-Max Energi insurance.
• Don’t abuse insurance claims – Companies give cheaper rates to policyholders who only file infrequent claims. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is intended for claims that you cannot pay yourself.
• What are good liability protection limits? – Liability coverage kicks in when a jury decides you are liable for damages caused by your negligence. Your liability coverage provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
• Big cities mean more claims – Having an address in areas with lower population has definite advantages when insuring your vehicles. Drivers who live in large cities tend to have much more traffic and higher rates of accident claims. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft.
• Teenagers vs. older drivers – Youthful drivers are known to be less responsible when at the wheel of a vehicle therefore insurance rates are much higher. Adding a beginning driver onto a policy can cause a big jump in price. Older drivers are shown to be more cautious, are lower risk to insure , and are generally more financially stable.
• Annual miles is a factor – Driving a lot of miles annually the more you will pay for insurance. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that sit idle most of the time receive lower rates than vehicles that have high annual mileage. Having the wrong rating on your C-Max Energi may be wasting your money. Double check that your policy properly reflects the correct usage for each vehicle.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation may require specific advice.

• Is my babysitter covered when using my vehicle?
• Can I drive in Mexico and have coverage?
• Do I have coverage if my license is suspended?
• Can I get a multi-policy discount?
• Am I covered when driving a rental car?
• Does my policy pay for OEM or aftermarket parts?
• Is my Ford C-Max Energi covered if I use it for business?
• What if I total my 2016 Ford C-Max Energi and owe more than it’s worth?
• How high should my medical payments coverage be?
• Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Learn about insurance coverages for a Ford C-Max Energi

Knowing the specifics of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills like doctor visits, rehabilitation expenses and funeral costs. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays for damage to your C-Max Energi from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability

This will cover damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as medical expenses, repair costs for stationary objects, legal defense fees, loss of income and bail bonds. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford C-Max Energi.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, damage from getting keyed, hitting a bird and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

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More quotes mean more savings

Cheap 2016 Ford C-Max Energi insurance is possible on the web and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who do not provide online rate quotes and most of the time these smaller companies sell through independent agents.

When searching for inexpensive insurance quotes, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed liability limits or collision coverage and learned later that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest price, but do not skimp to save money.

Other information

• Distracted Driving (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)

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