Insurance Analysis of the 2013 Ford C Max

The 2013 Ford C-Max is a new vehicle with no insurance past to speak of.

The 2013 Ford C-Max

It’s so fun when a new vehicle is created, like the 2013 Ford C-Max. People head to the dealerships just to see the new body type, the new features and anything else that the engineers put on it that they decided would make our lives easier. Unfortunately, with a brand new vehicle comes the uncertainty of insurance premiums.

Because insurance companies have no data to use to gauge what would be the appropriate premium to charge for a new vehicle, they have to work with data from similar vehicles. This also means that after the data collection has started and the insurance company is able to get some good statistics to use, owners of this brand new vehicle could see drastic changes in the premium later down the road.

Safety Ratings for the 2013 Ford C-Max

There was no safety ratings found for the 2013 Ford C-Max yet. It is a brand new vehicle and most likely the NHTSA (National Highway Transportation Safety Administration) and the IIHS (Insurance Institute for Highway Safety) have not been able to test the vehicle yet.

The good news is that the 2013 Ford C-Max has not had any safety recalls to date.

Insurance Thoughts for the 2013 Ford C-Max

Basically, this vehicle does not have much of a history; which statistic loving insurance companies don’t like. For us, it also makes it hard to do an insurance analysis on the 2013 Ford C-Max, but here are some basic thoughts.

First, there are no safety ratings. We have no idea if this vehicle is going to be a “Top Safety Pick” for the Insurance Institute of Highway Safety or if it’s a death trap on wheels. Okay, so most likely it’s not a death trap on wheels, but you are going to be paying less for your medical payments coverage with a “Top Safety Pick” than you are on one with no safety ratings yet.

Comprehensive and Collision coverage shouldn’t be too high due to the fairly decent sticker price that ranges from $25,200 to $28,500. This is about average for most sedans and is actually lower than other hybrids out there (Toyota wants anywhere from $22,000 to almost $40,000 for their Prius hybrid). However, with the serious lack of after-market parts for this specific new model of car and with it being a hybrid, insurance companies may error on the conservative side with premiums by putting them just a smidge higher than you would see for a regular vehicle that has a history on the market already.

Liability coverage should be fairly low on this vehicle. First, you aren’t going to see too many people drag racing in a Ford C-Max, and this type of vehicle isn’t the type that usually attracts drivers with a history of dangerous driving.

Second, the 2013 Ford C-Max is a smaller vehicle that won’t be able to do near as much damage to property or people as other bigger vehicles could.