Lower Your 2013 Ford C-Max Energi Insurance Rates

Looking for lower insurance rates for your Ford C-Max Energi? Do you get overwhelmed by the sheer number of insurance sources in your area? people have such a vast assortment of sources available that it can easily turn into a real difficult job to find a more affordable company.

Do you qualify for discount auto insurance?

Car insurance companies don’t always publicize every discount they offer very well, so below is a list some of the best known and also the lesser-known discounts that may be available.

• Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off PIP or medical payments premium.
• Own a Home – Simply owning a home can help you save on auto insurance because maintaining a house is proof that your finances are in order.
• E-sign – A few auto insurance companies will give you a small discount just for signing your application on the web.
• Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education in high school.
• Good Students Pay Less – Being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
• Active Military Service – Being on active deployment in the military could trigger a small discount.
• Accident Forgiveness Coverage – Not really a discount, but companies like Progressive, Allstate, and Geico permit an accident before hitting you with a surcharge as long as you don’t have any claims before the accident.
• Responsible Drivers – Accident-free drivers may save up to 50% more for C-Max Energi coverage than drivers with accidents.
• Claim-Free Discount – Drivers who stay claim-free pay much less compared to accident-prone drivers.

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

To choose insurance companies that offer multiple discounts, click here.

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How to compare free insurance quotes

There are several ways to compare insurance prices and some are easier and takes less work. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can stay home and use the web to achieve your goal.

All the larger companies belong to a marketplace where prospective buyers complete one form, and each participating company can give them a price for coverage. This prevents consumers from doing quote requests for every insurance company.

To compare rates using this form now click here (opens in new window).

The one downside to pricing coverage this way is buyers cannot specifically choose the providers to get quotes from. If you would rather choose individual companies to compare prices, we put together a list of low cost insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make sure you are using the exact same information on every quote you get. If you compare mixed coverages it’s not possible to determine the lowest rate for your Ford C-Max Energi. Even a minor difference in coverage limits may cause a big price difference. Just remember that getting more free quotes will enable you to find better pricing.

Why your insurance premiums might be higher

Lots of things are considered when you get your auto insurance bill. Some are obvious like a motor vehicle report, but other criteria are less apparent such as whether you are married or your vehicle rating.An important part of buying insurance is that you know the factors that play a part in calculating your insurance coverage rates. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that can earn you cheaper rates.

• Prices impacted by your city – Choosing to live in a rural area is a positive aspect when insuring your vehicles. Fewer people means reduced accidents as well as less vandalism and auto theft. People in densly populated areas regularly have more traffic problems and a longer drive to work. Longer commute distances statistically corresponds to a higher accident and claim rate.
• Stay claim-free and save money – Auto insurance companies provide better rates to people that do not abuse their auto insurance. If you file a lot of claims you can expect either policy cancellation or increased premiums. Your car insurance is meant to be used in the event of the large, substantial claims.
• Use credit responsibly and save – Having a good credit rating can be a huge factor in determining what you pay. Consumers who have excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. So if your credit history is not that good, you could be paying less to insure your 2013 Ford C-Max Energi by improving your rating.
• Responsible drivers pay less – A bad driving record impacts your car insurance rates tremendously. Getting just one moving violation may increase your cost by as much as twenty percent. Drivers who don’t get tickets pay less for auto insurance as compared to careless drivers. Drivers who have gotten flagrant citations such as DUI or reckless driving might be required by their state to submit a SR-22 form with their state in order to prevent their license from being revoked.
• Being married reduces risk – Having a spouse may save some money on your policy. Having a significant other demonstrates that you tend to be more stable financially and statistics show being married results in fewer claims.
• Protect yourself with liability coverage – Your insurance coverage policy’s liability coverage will protect you if a jury decides you are liable for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court which can cost a lot. This coverage is very inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Premiums and vocation – Did you know your job can affect your rates? Occupations like doctors, business owners and medical professionals have higher premiums than the average policyholder attributed to intense work requirements and extremely grueling work hours. On the other hand, careers such as actors, athletes and homemakers get better rates for C-Max Energi coverage.
• Which gender costs less? – Statistics show that females take fewer risks when driving. It does not mean men are WORSE drivers than women. Women and men are responsible for at-fault accidents at about the same rate, but guys have accidents that have higher claims. Men also receive more major tickets like reckless driving and DUI.

What insurance coverages do I need?

When buying the best auto insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether or not you might need professional guidance.

• Where can I find DUI or SR-22 insurance?
• What are the best liability limits?
• Do I need higher collision deductibles?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I drive in a foreign country?
• Who is covered by my policy?
• Why am I be forced to buy a membership to get insurance from some companies?
• What if I don’t agree with a claim settlement offer?
• Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

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Coverages available on your policy

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, theft, vandalism, fire damage and falling objects. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto collision coverage

This pays for damage to your C-Max Energi caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like ambulance fees, dental work, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability insurance

This can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle 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. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as emergency aid, legal defense fees, structural damage, pain and suffering and medical services. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Be a smart shopper

Budget-conscious 2013 Ford C-Max Energi insurance is attainable from both online companies and from local agencies, and you should compare price quotes from both to have the best selection. There are still a few companies who do not provide internet price quotes and usually these smaller providers only sell coverage through independent insurance agencies.

We just showed you a lot of techniques to lower your 2013 Ford C-Max Energi insurance rates. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best rates are with an unexpected company.

Consumers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, unfair underwriting practices, not issuing a premium refund or high prices. It doesn’t matter why you want to switch finding a new company is easier than you think.

Additional insurance coverage information can be read at the links below

• Crash Avoidance Technologies FAQ (iihs.org)
• Cellphones, Texting and Driving (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)

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