Cheap 2013 Ford C-Max Hybrid Car Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Want lower insurance rates? Drivers have many options when trying to find low-cost Ford C-Max Hybrid insurance. You can either waste hours calling around to get rate comparisons or utilize the internet to compare rates. There are more efficient ways to shop for insurance and you need to know the proper way to compare rates on a Ford and obtain the cheapest rates from both online companies and local agents.

Fast and Easy Insurance Quotes

Finding lower insurance rates is a fairly straight forward process. You just have to take a few minutes to get quotes online with multiple companies. This is very easy and can be done using a couple different methods.

  1. The first (and easiest) way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating separate quotation requests for every insurance company. Completing one form will return quotes from multiple low-cost companies.It’s the quickest way to get rates.
  2. A less efficient way to compare rate quotes is to manually visit the website of each company to complete their respective quote request forms. For example, we’ll pretend you want rates from Auto-Owners, Safeco and Allstate. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest method of comparing rate quotes is to drive around to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the personal advice only provided by licensed agents. You can, however, get the lowest quotes online and get advice from an agent in your area and you’ll learn how to do that later.

Whichever way you use, make sure you use exactly the same coverage limits and deductibles with each company. If you enter different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best.

Discounts are available to cut your rates

Companies that sell car insurance don’t always advertise all available discounts in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find ways to save on insurance coverage. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Homeowners Pay Less – Owning a house may trigger a insurance coverage policy discount due to the fact that maintaining a home shows financial diligence.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Passive Restraint Discount – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • No Claims – Good drivers with no accidents pay much less when compared to frequent claim filers.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for C-Max Hybrid insurance than drivers with accident claims.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Low Mileage Discounts – Keeping the miles down on your Ford can qualify you for a substantially lower rate.
  • Senior Citizens – Older drivers may qualify for reduced rates for C-Max Hybrid insurance.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save up to 15% off your medical payments premium.
  • Life Insurance – Larger companies have lower rates if you buy life insurance from them.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of companies who offer insurance coverage discounts, click this link.

Everyone needs different coverages

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions can help discover if you might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the rate difference between pleasure use and commuting?
  • Can I still get insurance after a DUI?
  • How high should deductibles be on a 2013 Ford C-Max Hybrid?
  • Which companies will insure high-risk drivers?
  • When does my teenage driver need to be added to my policy?
  • Are rock chip repairs covered?
  • Is my Ford C-Max Hybrid covered if I use it for business?
  • Do I really need UM/UIM coverage?
  • Which is better, split liability limits or combined limits?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Insurance coverage specifics

Understanding the coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision – Collision coverage will pay to fix damage to your C-Max Hybrid resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, crashing into a ditch, hitting a parking meter, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability – Liability insurance protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things such as repair bills for other people’s vehicles, bail bonds, court costs and loss of income. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as X-ray expenses, nursing services, surgery and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, hitting a bird and a broken windshield. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford C-Max Hybrid.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

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