Trying to find low cost auto insurance is always kind of frustrating for drivers new to online rate comparisons. Consumers have so many different companies and agents to choose from that it can quickly become a real challenge to find more affordable prices.
Some insurers don’t always list every possible discount very clearly, so the next list breaks down some of the more common and also the lesser-known discounts that you may qualify for.
Discounts save money, but please remember that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn’t be very happy. But any discount will cut your policy premium.
A few of the larger companies and a partial list of their discounts are included below.
It’s a good idea to ask each company which credits you are entitled to. Discounts might not apply in your area. To see insurance coverage companies with the best insurance coverage discounts, click this link.
When it comes to buying coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.
For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.
If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
Respected companies like GEICO, State Farm and Progressive seem to constantly run ads in print and on television. They all state the claim that you’ll save big after switching your insurance policy to them. How is it possible that every company can lower your premium rates? This is the trick they use.
All the different companies give the best rates for the type of customer that makes them money. For example, this type of risk profile could be a female over age 40, has never had a claim, and drives a vehicle with a low ISO rating. Anyone who fits those characteristics will most likely get cheap premium rates and will probably cut their rates if they switch.
Consumers who don’t qualify for these stringent criteria may be forced to pay a higher premium and the customer buying from someone else. The trick companies use is to say “drivers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently lure you into getting a quote. This really drives home the point why you absolutely need to get price quotes at each policy renewal. You cannot predict the company that will fit you best based on your risk profile.
Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.
Collision coverage pays for damage to your C-Max Energi resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as hitting a mailbox, driving through your garage door, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.
Comprehensive auto coverage
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as fire damage, hitting a bird, theft, damage from getting keyed and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for claims like medical services, emergency aid, funeral expenses and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Ford C-Max Energi.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Medical payments and PIP coverage
Med pay and PIP coverage pay for expenses like chiropractic care, X-ray expenses, pain medications, dental work and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Budget-friendly insurance coverage is available online as well as from insurance agents, so get free insurance quotes from both of them to have the best rate selection. Some insurance coverage companies may not provide online quoting and many times these regional insurance providers prefer to sell through independent insurance agencies.
We just showed you a lot of tips how to compare 2014 Ford C-Max Energi insurance rates online. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from a small mutual company.
People leave their current company for a number of reasons such as delays in responding to claim requests, not issuing a premium refund, poor customer service or even extreme rates for teen drivers. No matter why you want to switch, switching companies is easier than you think.