Compare 2016 Ford C-Max Hybrid Insurance Quotes

Locating low-cost insurance for a new or used Ford C-Max Hybrid could be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to shop for auto insurance so you’re going to learn the absolute fastest way to compare rates for a Ford and locate the lowest price.

If you have a policy now or need new coverage, you will benefit by learning to get lower rates while maintaining coverages. Buying the lowest cost auto insurance is simple if you know the tricks. Vehicle owners only need to know the tricks to buy auto insurance on the web.

Quote insurance online

Finding a better price on insurance is an easy way to save money. All you need to do is take time getting comparison quotes online from several insurance companies. Insurance prices can be quoted in a couple of different ways.

  1. If you don’t have a lot of time, the easiest way to get quotes for comparison is a comparison rater form (click to open form in new window). This style of form prevents you from having to do separate quote forms for each price estimate. One quote request will return price quotes from all major companies. It’s definitely the quickest method.
  2. A harder way to compare prices is spending the time to visit the website of each company to request a price quote. For instance, we’ll assume you want to view quotes from Nationwide, Allstate and Travelers. To get rate quotes you would need to visit each site to enter your coverage information, which can take a lot of time. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make sure you are using the same quote data for each price quote. If your comparisons have differing limits it will be next to impossible to determine which company has the best rates.

Smart consumers know how to quote insurance at a discount

Many factors are part of the equation when quoting car insurance. Some factors are common sense such as traffic violations, although some other factors are not as apparent like your continuous coverage or your commute time.

  • Premiums are lower the older you get – More experienced drivers are shown to be more cautious, statistically cause fewer accidents , and are generally more financially stable.Drivers with little experience tend to be easily distracted when behind the wheel so they pay higher insurance rates.
  • Excellent credit means lower costs – An insured’s credit score is a large factor in your rate calculation. If your credit rating is lower than you’d like, you may save money insuring your 2016 Ford C-Max Hybrid if you improve your credit rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with lower ratings.
  • Cheaper insurance rates with safer cars – Cars with five star safety ratings cost less to insure. These vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means less claims paid and cheaper rates on your policy.
  • Cheaper prices using alarm systems – Driving a car with a theft deterrent system can help lower your premiums. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your vehicle from being stolen.
  • How much liability coverage – A critical coverage on your policy, liability insurance will protect you in the event that a court rules you are at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Commute or pleasure use – The higher the miles on your Ford annually the higher the price you pay to insure it. A lot of companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks that sit idle most of the time qualify for better rates as compared to vehicles used primarily for driving to work. Incorrect rating for your C-Max Hybrid may be costing you. It’s a good idea to make sure your vehicle rating reflects the right rating data.
  • Policy add-ons could be costing you – There are quite a few extra coverages that can waste your money when buying insurance. Insurance for rental car coverage, death and dismemberment, and motor club memberships may be costing you every month. They may seem good when you first buy your policy, but if you don’t need them remove them and pocket the money.
  • Your spouse saves you money – Walking down the aisle may earn you lower rates compared to being single. Having a spouse generally demonstrates drivers are more mature and responsible and statistics prove drivers who are married file infrequent claims.

Save money by applying discounts

Insurance is not inexpensive, but you may find discounts that many people don’t even know exist. Some discounts will apply when you quote, but once in a while a discount must be inquired about before being credited. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

  • Safe Drivers – Insureds who avoid accidents can save as much as half off their rates on C-Max Hybrid insurance than less cautious drivers.
  • Good Students Pay Less – Excelling in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Driver Training Discounts – Passing a course that instructs on driving safety can save you 5% or more if your company offers it.
  • No Charge for an Accident – This one isn’t a discount, but certain companies may permit one accident before raising your premiums so long as you are claim-free prior to being involved in the accident.
  • Passive Restraint Discount – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
  • Multiple Vehicles – Drivers who insure multiple cars or trucks with the same insurance company may reduce the rate for each vehicle.
  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy auto and life insurance together.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts should definitely cut the cost of your policy.

Some of the larger companies that have most of the discounts above are:

When getting a coverage quote, ask each insurance company which discounts you qualify for. Some discounts might not be offered in your area. If you would like to choose from a list of providers that have a full spectrum of discounts, click here.

Your auto insurance coverage should be tailored to you

When buying adequate coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that may help you determine if you might need professional guidance.

  • How can I force my company to pay a claim?
  • If my 2016 Ford C-Max Hybrid is totaled, can I afford another vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do all my vehicles need collision coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I buy full coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my insurance cover a custom paint job?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Specific coverage details

Having a good grasp of your auto insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, dental work, pain medications, EMT expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, rock chips in glass, a broken windshield and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability – This coverage protects you from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like repair costs for stationary objects, structural damage, loss of income and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2016 Ford C-Max Hybrid.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverages – Collision insurance will pay to fix damage to your C-Max Hybrid from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Take this to the bank

Throughout this article, we presented a lot of information how to compare 2016 Ford C-Max Hybrid insurance prices online. The key concept to understand is the more you quote car insurance, the higher your chance of finding cheaper car insurance. Drivers may discover the biggest savings come from a small local company.

Cheap 2016 Ford C-Max Hybrid insurance is definitely available online as well as from insurance agents, so you need to quote car insurance with both so you have a total pricing picture. Some insurance coverage companies do not provide rates over the internet and many times these regional insurance providers only sell through local independent agents.

When searching for low cost car insurance quotes, you should never buy poor coverage just to save money. In many cases, someone dropped full coverage and found out when filing a claim that the savings was not a smart move. The aim is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

Much more information about insurance coverage can be read below: