Surprisingly, a recent survey revealed that most auto insurance buyers renewed their policy with the same company for at least four years, and 38% of drivers have never even compared rates from other companies. California drivers can save hundreds of dollars each year just by comparing rates, but they don’t invest the time required to compare rates and save money.
It takes a few minutes, but the best way to find more affordable Ford C-Max Hybrid insurance in Long Beach is to start comparing rates regularly from providers who provide car insurance in California.
First, spend some time learning about what coverages are included in your policy and the steps you can take to prevent expensive coverage. Many rating factors that cause rate increases such as distracted driving and a negative credit history can be amended by making minor changes to your lifestyle. This article provides more information to get low prices and find additional discounts you may qualify for.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO or State Farm, while independent agents can give you price quotes from multiple insurance companies. View a list of agents
Third, compare the new rate quotes to your existing policy to see if cheaper C-Max Hybrid coverage is available in Long Beach. If you find a better price and switch companies, make sure there is no coverage gap between policies.
Fourth, notify your current company of your intent to cancel your current car insurance policy and submit a completed application and payment for the new coverage. Once the application is submitted, place the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
One important bit of advice is that you’ll want to make sure you compare the same amount of coverage on each quote and and to get prices from as many companies as possible. Doing this ensures an accurate price comparison and a thorough price selection.
What Determines Ford C-Max Hybrid Insurance Premiums?
Many things are taken into consideration when pricing auto insurance. Some factors are common sense like a motor vehicle report, but other criteria are more transparent such as your marital status or how financially stable you are. A large part of saving on insurance is knowing some of the factors that help determine your premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower insurance prices.
Bundle policies to earn discounts – Lots of insurance companies give lower prices to insureds that purchase more than one policy in the form of a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even if you already get this discount, you may still want to shop around to help ensure you have the lowest rates. You may still be able to save even more even if you insure with multiple companies
Performance makes a difference – The performance level of the car you own makes a significant difference in determining your rates. The lowest premiums tend to be for lower cost passenger cars, but there are many factors that impact the final cost.
Credit rating impacts premium rates – Having a good credit history factor in determining what you pay for insurance. Therefore, if your credit rating is lower than you’d like, you could pay less to insure your Ford C-Max Hybrid by improving your credit score. Insureds that have excellent credit scores tend to file fewer claims than those with poor credit scores.
How much liability insurance – The liability section of your policy is the protection if you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Always have insurance – Going without insurance is a fast way to pay more for insurance. And not only will insurance be more expensive, the inability to provide proof of insurance can result in fines and jail time.
Lower stress equals lower prices – Do you have a high-stress occupation? Occupations such as real estate brokers, social workers, and stock brokers are shown to have higher rates than the rest of us attributed to stressful work requirements and extremely grueling work hours. Conversely, jobs like scientists, historians and performers get better rates.
Ford C-Max Hybrid insurance loss probability – Insurance companies analyze claim trends for every vehicle when setting rates for each model. Models that have high amounts or severity of claims will have higher rates. The table below shows the historical loss data for Ford C-Max Hybrid vehicles.
For each policy coverage, the claim amount for all vehicles combined as an average is considered to be 100. Numbers below 100 suggest losses that are better than average, while numbers shown that are more than 100 point to more losses or an increased chance of larger losses than average.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford C-Max Hybrid | 99 | 92 | 95 | 94 | 89 | 100 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
One last note
When getting Long Beach auto insurance quotes online, never buy less coverage just to save a little money. There have been many cases where someone sacrificed physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.
Lower-priced insurance in Long Beach is definitely available on the web in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some insurance providers don’t offer the ability to get a quote online and many times these small insurance companies sell through independent insurance agents.
In this article, we presented some good ideas how to compare Ford C-Max Hybrid insurance car insurance rates in Long Beach. It’s most important to understand that the more providers you compare, the better likelihood of getting cheaper Long Beach auto insurance quotes. You may even find the lowest car insurance rates come from a small local company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.
For more information, feel free to browse the following helpful articles:
- Understanding Limits and Deductibles (Allstate)
- Who Has the Cheapest Auto Insurance for Low Income Drivers in Long Beach? (FAQ)
- Who Has Affordable Car Insurance Quotes for Hybrid Vehicles in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Low Mileage Drivers in Long Beach? (FAQ)
- How Much is Long Beach Car Insurance for Immigrants? (FAQ)
- Who Has Affordable Auto Insurance for a School Permit in Long Beach? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)