Want better insurance rates for your Ford C-Max Energi? Expensive insurance can deplete your monthly budget and put a big crunch on your finances. Shopping your coverage around is a smart way to lower your monthly bill.
Since consumers have many companies and agents to choose from, it can be impossible to pick the most cost effective insurance provider.
It’s smart to get comparison quotes every six months because rates are usually higher with each renewal. If you had the best deal on C-Max Energi coverage on your last policy you may be paying too much now. Forget anything you know (or think you know) about insurance because it’s time to teach you the right way to save money, get proper coverage and the best rates.
Performing a rate comparison can take hours if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.
Many of the larger companies take part in a program where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote based on the submitted data. This saves time by eliminating form submissions for each company you want a rate for. To find out how much you’re overpaying now click here (opens in new window).
The only drawback to comparing rates this way is you can’t choose the companies to get quotes from. If you prefer to choose from a list of companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.
Whichever way you choose to compare rates, ensure you’re using exactly the same information with each company. If each company quotes different values for each quote it will be impossible to decipher which rate is best.
When it comes to choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might point out whether your personal situation would benefit from professional advice.
If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.
Having a good grasp of your insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.
Personal Injury Protection (PIP) and medical payments coverage pay for expenses like hospital visits, pain medications, dental work, funeral costs and surgery. They 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 getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Collision coverage will pay to fix damage to your C-Max Energi caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as colliding with another moving vehicle, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.
Liability coverage provides protection from damage that occurs to a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like loss of income, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.
Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like vandalism, fire damage, hitting a deer, damage from a tornado or hurricane and rock chips in glass. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.