2017 Ford C-Max Energi Car Insurance Rates – 8 Tips to Save

I doubt anyone is fond of buying car insurance, in particular when the cost is too high. Drivers have many auto insurance companies to purchase coverage from, and though it is a good thing to have a choice, lots of choices makes it harder to find a good deal.

Compare free auto insurance price quotes

Effectively comparing auto insurance prices can take time and effort if you don’t utilize the fastest way to get free quotes. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could use the web to get prices fast.

Most car insurance companies participate in a marketplace that enables customers to submit their information once, and each company provides a quote based on that information. This system prevents you from having to do form submissions for every auto insurance company. To get comparison pricing now click here to open in new window.

The one disadvantage to getting quotes like this is you don’t know exactly which insurance companies to get quotes from. If you would rather choose individual companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but double check that you are using exactly the same coverages and limits for every company. If the quotes have higher or lower deductibles it will be nearly impossible to make a fair comparison for your Ford C-Max Energi.

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Don’t miss these eight discounts

Car insurance is not cheap, but there are discounts available that you may not even know about. A few discounts will be applied when you complete an application, but some must be specifically requested prior to receiving the credit. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

• Senior Citizens – Mature drivers may qualify for reduced rates on C-Max Energi coverage.
• Discount for Home Ownership – Owning your own home or condo can help you save on insurance because of the fact that having a home means you have a higher level of financial diligence.
• Passive Restraints – Options like air bags or motorized seat belts can receive discounts of 20 to 30 percent.
• College Student Discount – Any of your kids living away from home attending college without a vehicle on campus could get you a discount.
• Federal Government Employee – Active or former government employment can earn a discount up to 10% on C-Max Energi coverage with a few insurance companies.
• Responsible Driver Discount – Drivers without accidents can save as much as half off their rates on C-Max Energi coverage than less cautious drivers.
• Military Rewards – Being on active duty in the military may lower your rates slightly.
• Safety Course Discount – Participating in a course teaching defensive driving skills could earn you a small percentage discount and easily pay for the cost of the class.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you could get a free insurance policy, it doesn’t quite work that way.

A few of the larger companies and the discounts they provide are detailed below.

• Geico includes discounts for membership and employees, federal employee, multi-policy, driver training, anti-theft, multi-vehicle, and emergency military deployment.
• USAA has discounts for military installation, safe driver, new vehicle, loyalty savings, and family discount.
• Progressive offers discounts including online quote discount, good student, continuous coverage, multi-vehicle, and homeowner.
• American Family offers discounts for good driver, defensive driver, early bird, accident-free, bundled insurance, good student, and air bags.
• Esurance may have discounts that include DriveSense, good driver, Switch & Save, online shopper, and anti-lock brakes.
• Farmers Insurance may offer discounts for early shopping, switch companies, pay in full, teen driver, and good student.
• State Farm discounts include passive restraint, student away at school, accident-free, driver’s education, anti-theft, multiple policy, and Steer Clear safe driver discount.

Before purchasing a policy, check with every insurance company the best way to save money. Some of the discounts discussed earlier may not be available in your area. To see insurance companies with discount rates, follow this link.

Special considerations

When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different so your insurance should reflect that These are some specific questions may help highlight whether you could use an agent’s help.

• What is UM/UIM insurance?
• Is my 2017 Ford C-Max Energi covered for smoke damage?
• Does my car insurance cover rental cars?
• What are the financial responsibility laws in my state?
• How much liability coverage do I need in my state?
• Is extra glass coverage worth it?
• Why am I be forced to buy a membership to get insurance from some companies?
• What happens if I owe more than my 2017 Ford C-Max Energi is worth?
• Are rental cars covered under my policy?
• Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

The ad said I’d save $398 a year!

Consumers can’t get away from all the ads for car insurance savings by State Farm, Allstate and Geico. All the companies make an identical promise that you can save just by switching your coverage to them.

How do they all offer you a better deal? This is the way they can do it.

Most companies have a certain “appetite” for the driver that is profitable for them. An example of a profitable insured may need to be over the age of 45, has a clean driving record, and has excellent credit. A customer who fits that profile receive the lowest rate quotes and will also save when they switch companies.

Potential insureds who don’t qualify for the ideal profile will have to pay a higher premium and this can result in the customer not purchasing. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can truthfully make claims that they all have the best auto insurance rates. This emphasizes why drivers should get price quotes at each policy renewal. Because you never know the company that will have the lowest rates for your situation.

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Parts of your insurance policy

Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, vandalism, falling objects, damage from flooding and rock chips in glass. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses for things like nursing services, X-ray expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your C-Max Energi resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a ditch, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford C-Max Energi.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverage

This protects you from injuries or damage you cause to people or other property by causing 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 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as medical expenses, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Be a money saver!

In this article, we presented a lot of information how to lower your 2017 Ford C-Max Energi insurance premium rates. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with the least-expected company. Smaller companies often have lower prices on specific markets than their larger competitors like Progressive or Geico.

Budget-friendly auto insurance can be found online and also from your neighborhood agents, so you need to shop insurance coverage with both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get a quote online and usually these regional carriers only sell through independent agents.

More detailed auto insurance information can be found in these articles:

• Keeping Children Safe in Crashes Video (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Insuring a Leased Car (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)

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