2017 Ford C-Max Energi Car Insurance Quotes in 2024 – 10 Policy Discounts

Consumers have many options when looking for affordable Ford C-Max Energi insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to find the lowest rates.

There is a better way to shop for insurance coverage so you’re going to learn the absolute fastest way to quote coverages for your Ford and obtain the lowest price from local insurance agents and online providers.

It’s a great practice to compare premium rates once or twice a year due to the fact that insurance prices are constantly changing. Even if you got the lowest rates on C-Max Energi insurance a year ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the fastest and easiest way to lower your annual insurance bill.

If you have a current car insurance policy or need new coverage, you can use these tips to find the best rates while maximizing coverage. This article will familiarize you with how to effectively get price quotes. Vehicle owners just need to learn the most effective way to compare rates online.

First Step: Get free car insurance quotes

There are several ways you can shop for car insurance and some are easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can utilize the web to achieve your goal.

Most of the best insurance companies participate in an industry program that enables customers to complete one form, and each participating company can give them a price for coverage. This prevents consumers from doing quote forms for every car insurance company.

To find out how much you’re overpaying now enter your zip code here.

The one downside to pricing coverage this way is that you can’t choose which carriers to get pricing from. If you prefer to choose specific providers to compare, we have a listing of low cost car insurance companies in your area. Click to enter zip code for insurance companies.

Compare rates however you want, just be sure you’re using the exact same quote information on every price quote you get. If you have higher or lower deductibles it’s not possible to decipher which rate is best.

Insurance coverage policy discounts

Car insurance companies don’t always list all available discounts very well, so we took the time to find a few of the more well known and the more hidden discounts that may be available.

• Discounts for Multiple Vehicles – Having primary and secondary vehicles with one company can reduce the rates for all insured vehicles.
• Anti-lock Brake Discount – Cars with ABS and/or traction control prevent accidents and earn discounts up to 10%.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
• Discount for Low Mileage – Driving fewer miles may enable drivers to earn cheaper premium rates.
• Homeowners Discount – Owning a house can get you a discount since owning and maintaining a home requires personal responsibility.
• Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote car insurance on C-Max Energi insurance with a few insurance coverage companies.
• Air Bag Discount – Factory options such as air bags or automatic seat belts can receive discounts as much as 30%.
• Multi-policy Discount – If you can combine your home and auto policy with one insurance company you could earn a discount of 10% to 20% off each policy.
• Onboard Data Collection – Drivers that enable their insurance company to track driving patterns by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they are good drivers.
• College Student Discount – Youth drivers who are enrolled in higher education away from home and do not take a car to college can receive lower rates.

Keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. So when it seems like you could get a free insurance coverage policy, that’s just not realistic.

A few companies that may offer policyholders some of the above discounts include:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

If you are trying to find cheap car insurance quotes, ask all the companies how you can save money. A few discounts may not apply to policyholders in your area. To find companies that offer some of these discounts, enter your zip code here.

How do I know if I need professional advice?

When it comes to buying coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your insurance needs will benefit from professional help.

• Who is covered when they drive my 2017 Ford C-Max Energi?
• Am I insured when driving a different vehicle?
• Does my personal policy cover me when driving out-of-state?
• What should my uninsured motorist coverage limits be in my state?
• Should I buy additional glass protection?
• What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code. It’s fast, free and can provide invaluable advice.

Learn about car insurance coverages for a 2017 Ford C-Max Energi

Understanding the coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses like rehabilitation expenses, ambulance fees, surgery, pain medications and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages – This coverage can cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like legal defense fees, medical services, structural damage, loss of income and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive car insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle, a broken windshield and theft. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Ford C-Max Energi.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are set the same as your liability limits.

Collision – This coverage covers damage to your C-Max Energi from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, damaging your car on a curb, driving through your garage door, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Save your cold hard cash

Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, not issuing a premium refund or high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

We just covered some good ideas how to lower your 2017 Ford C-Max Energi insurance premium rates. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper car insurance. Consumers could even find that the biggest savings come from an unexpected company.

Cheaper 2017 Ford C-Max Energi insurance is available on the web and from local agencies, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers may not have the ability to get quotes online and usually these smaller providers only sell through independent agents.