Compare 1992 Ford Mustang Insurance Rates

Want lower auto insurance rates? Drivers have many options when trying to find the best price on Ford Mustang insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to get rate quotes. There are both good and bad ways to shop for auto insurance and you need to know the best way to compare rates for a Ford and obtain the best price possible either online or from local insurance agents.

Shop car insurance online

There are multiple methods you can shop for car insurance and some are less labor-intensive and much quicker. You could waste a few hours driving to insurance agencies in your area, or you can stay home and use the web to quickly compare rates.

All the larger companies enroll in a system that enables customers to enter their coverage request one time, and every company provides a quote for coverage. This saves time by eliminating quote forms for each company you want a rate for. To find out how much you can save on car insurance click here to open in new window.

The single downside to using this type of system is you can’t choose the providers to get pricing from. If you prefer to choose specific insurance companies to request quotes from, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but try to keep the exact same coverages on every price quote you get. If the quotes have differing limits it will be very difficult to make a fair rate comparison.

Reduce your insurance rates with discounts

Insurance is not an enjoyable expense, but you may be missing some discounts that you may not know about. Some discounts apply automatically when you get a quote, but some must be manually applied prior to getting the savings.

Discount for Multiple Policies – If you combine your home and auto policies with the same company you could get a discount of approximately 10% to 15%.
Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% on medical payment and PIP coverage.
One Accident Forgiven – but a few companies such as Geico and Allstate allow you one accident without raising rates with the catch being you have to be claim-free before the accident.
Theft Prevention Discount – Vehicles that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.
Multi-car Discount – Purchasing coverage when you have primary and secondary vehicles on a single policy can get a discount for every vehicle.

Don’t be shocked that most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky.

A few popular companies and the discounts they provide are shown below.

Progressive offers premium reductions for continuous coverage, homeowner, online quote discount, multi-policy, good student, and online signing.
Geico may include discounts for daytime running lights, multi-policy, driver training, multi-vehicle, defensive driver, and air bags.
State Farm has discounts for safe vehicle, Steer Clear safe driver discount, defensive driving training, driver’s education, Drive Safe & Save, good driver, and multiple autos.
Esurance may have discounts that include multi-car, emergency road assistance, anti-lock brakes, Switch & Save, good driver, and Pac-12 alumni.
The Hartford may offer discounts for defensive driver, driver training, vehicle fuel type, anti-theft, bundle, and good student.

When getting a coverage quote, ask all companies you are considering which discounts they offer. Some credits might not be available to policyholders in your area. For a list of insurance companies who offer cheap insurance quotes, click this link.

You are unique and your insurance coverage should be too

When it comes to buying adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions might point out whether you might need professional guidance.

Exactly who is provided coverage by my policy?
Are my tools covered if they get stolen from my vehicle?
Why am I required to get a high-risk car insurance policy?
Can I get a multi-policy discount?
When does my teenage driver need to be added to my policy?
Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Car insurance 101

Learning about specific coverages of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage

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

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage

Collision coverage covers damage to your Mustang from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, damage from a tornado or hurricane, falling objects and fire damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like prosthetic devices, funeral costs, chiropractic care, doctor visits and dental work. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as funeral expenses, medical expenses and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.