View 1991 Ford Mustang Car Insurance Quotes

If you’re looking for more affordable insurance on the web, are you frustrated by the crazy number of insurance choices available to you? Many other drivers are too. There are so many options that it can easily turn into more work than you anticipated to compare prices.

It’s important to compare prices yearly because insurance rates trend upward over time. Even if you think you had the best premium rates on Mustang insurance two years ago a different company probably has better prices today. There is lot of inaccurate information about insurance out there, but by reading this article, you’re going to learn some solid techniques on how to put money back in your pocket.

Low cost car insurance prices

When looking for low cost car insurance quotes, there are a couple ways to compare rate quotes from all the different companies. The easiest way by far to compare Ford Mustang insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. One of the simplest ways to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating a different quote for every car insurance company. Completing one form gets coverage cost estimates from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to analyze rates requires visiting each individual company website to request a price quote. For instance, let’s assume you want to get rates from Allstate, State Farm and Farmers. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. Even if you have time, the least recommended way to get price estimates is to spend time driving to each insurance agency near you. The fact that you can get quotes online reduces the need to sit down with an agent unless you want the trained guidance of a licensed agent. Some companies do allow you to get prices online but purchase the actual policy in an agency.

The method you choose is up to you, but do your best to use the exact same deductibles and coverage limits for every company. If each company quotes different values for each quote it will be next to impossible to make a fair comparison for your Ford Mustang. Having just a slight variation in coverages could throw off the whole comparison. Just keep in mind that obtaining a wide range of quotes provides better odds of finding the best rates. Some insurance companies are not set up to provide online rate quotes, so you need to compare quotes from them, too.

Insurance premiums are influenced by these factors

When buying insurance coverage it’s important to understand some of the factors that aid in calculating your insurance coverage rates. If you have a feel for what influences your rates, this enables you to make decisions that could help you find much lower annual insurance costs. Lots of things are used in the calculation when premium rates are determined. Some of the criteria are obvious like your driving record, although some other factors are more transparent such as your credit history or your vehicle rating.

  • Your career may increase premiums – Did you know your insurance coverage rates can be affected by your occupation? Careers like real estate brokerspolice officers and dentists tend to pay the highest rates because of high stress levels and lots of time spent away from family. Other careers like actors, engineers and the unemployed pay the least on Mustang insurance.
  • Which gender costs less? – The statistics show that females tend to be a little less risky than males. This data doesn’t prove that females are better drivers. Males and females are responsible for auto accidents at a similar rate, but the men have accidents that have higher claims. Not only that, but men also receive more major tickets like DWI (DUI) or reckless driving.
  • Extra coverages are wasting money – Policies have extra add-on coverages that you can get tricked into buying when buying insurance coverage. Insurance for roadside assistance, high-cost glass coverage, and term life insurance are examples of these. You may think they are a good idea initially, but now you might not need them so eliminate the coverages to reduce your premium.
  • Always have insurance coverage – Having a gap between insurance policy dates is a guaranteed way to trigger a rate increase. Not only will rates go up, the inability to provide proof of insurance could result in a revoked license or a big fine. You will then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Lower rates by qualifying for discounts

Car insurance companies do not advertise all available discounts very clearly, so the following list contains both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

  • Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Low Miles Discount – Driving fewer miles could be rewarded with substantially lower prices.
  • 55 and Retired – Older drivers can get a discount up to 10% on Mustang insurance.
  • Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
  • ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Discount for Multiple Policies – If you combine your auto and homeowners policies with the same company you could earn a discount of approximately 10% to 15%.
  • Payment Method – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Life Insurance – Some insurance carriers give a small discount if you purchase life insurance.
  • Telematics Data – Policyholders that allow driving data collection to study driving habits remotely such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.

Please keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.

The best insurance companies and a selection of discounts are:

  • Farm Bureau discounts include multi-policy, driver training, renewal discount, 55 and retired, safe driver, good student, and youthful driver.
  • State Farm may include discounts for Drive Safe & Save, safe vehicle, anti-theft, defensive driving training, Steer Clear safe driver discount, good driver, and multiple autos.
  • Progressive has savings for homeowner, online signing, multi-vehicle, continuous coverage, good student, and online quote discount.
  • Allstate offers discounts including economy car, defensive driver, good student, premier discount, and anti-theft.
  • Nationwide offers premium reductions for accident-free, easy pay, good student, Farm Bureau membership, and business or organization.
  • MetLife may offer discounts for accident-free, good student, multi-policy, defensive driver, and good driver.

When comparing rates, check with all companies you are considering what discounts are available to you. Some credits might not be offered in your area. If you would like to see a list of companies that offer discounts, click here.

Auto insurance is unique, just like you

When it comes to buying adequate coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether you may require specific advice.

  • Does coverage extend to my business vehicle?
  • Does my car insurance cover rental cars?
  • Is my state a no-fault state?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my trailer covered?
  • Are split liability limits better than a combined single limit?
  • What is the minimum liability in my state?
  • What companies insure drivers after a DUI or DWI?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverage specifics

Understanding the coverages of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, a broken windshield and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Mustang.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like funeral expenses, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like surgery, nursing services, doctor visits, chiropractic care and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Be a Smart Shopper

Consumers change insurance companies for a variety of reasons including unfair underwriting practices, delays in paying claims, delays in responding to claim requests or even questionable increases in premium. It doesn’t matter what your reason, choosing a new insurance company is not as difficult as it may seem.

Lower-priced insurance is available from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not offer online quoting and many times these small insurance companies only sell coverage through local independent agents.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed full coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

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