2017 Ford C-Max Hybrid Insurance Rates in 2024 – 10 Discounts for Cheapest Quotes

Trying to find the cheapest insurance coverage rates for your Ford C-Max Hybrid? Are you drained from paying out the nose to pay high insurance coverage rates every month? You’re in the same situation as many other drivers.

Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate

If you have car insurance now, you will most likely be able to save some money using this information. Finding affordable coverage is easy if you know what you’re doing. But drivers can benefit by having an understanding of how companies compete online because it can help you find the best coverage.

Affordable car insurance rates with discounts

Some insurance providers don’t always publicize every discount available in an easy-to-find place, so the following list contains some of the best known and the harder-to-find savings tricks you should be using when you buy insurance coverage online. If you don’t get every credit possible, you could be saving more on your car insurance.

• Discount for Home Ownership – Simply owning a home may trigger a policy discount on car insurance since home ownership means you have a higher level of financial diligence.
• Good Students Pay Less – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
• Defensive Driver Discounts – Successfully completing a class that teaches driver safety techniques could earn you a small percentage discount depending on where you live.
• Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
• Multi-policy Discount – When you have multiple policies with one insurance company you may save over 10 percent off each policy depending on the company.
• College Student – who attend college more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
• Onboard Data Collection – Policyholders that allow companies to track vehicle usage by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they exhibit good driving behavior.
• Discounts for Federal Employees – Employees or retirees of the government can save as much as 8% on C-Max Hybrid coverage depending on your car insurance provider.
• Seat Belts Save – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Active Military Service – Being on active duty in the military can result in better rates.

One last thing about discounts, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think you could get a free car insurance policy, company stockholders wouldn’t be very happy.

To choose providers that offer some of these discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

• Will my insurance pay for OEM parts?
• Can I still get insurance after a DUI?
• How much can I save by bundling my policies?
• Do I need special endorsements for business use of my vehicle?
• What is an SR-22 filing?
• Is my ex-spouse still covered by my policy?
• Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and enter your zip code.

Insurance coverage considerations

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your 2017 Ford C-Max Hybrid.

Because many people 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.

Collision coverages – This coverage pays for damage to your C-Max Hybrid from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, backing into a parked car, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability insurance – Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage pays for things like structural damage, pain and suffering, medical expenses, emergency aid and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, rock chips in glass and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for pain medications, funeral costs, rehabilitation expenses and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Best coverage at the best price

Throughout this article, we presented a lot of ways to compare 2017 Ford C-Max Hybrid insurance premium rates online. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even find the best premium rates are with a smaller regional carrier. They may have significantly lower prices on certain market segments than their larger competitors like Allstate and Progressive.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where an insured dropped liability limits or collision coverage and learned later that it was a big mistake. The ultimate goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.