1996 Ford Mustang Insurance Rates – 9 Discounts for Best Quotes

Looking for the cheapest auto insurance rates? Shoppers have a choice when shopping for the lowest priced Ford Mustang insurance. They can either spend hours struggling with agents getting price quotes or use the internet to find the lowest rates.

There are both good and bad ways to shop for auto insurance and we’ll show you the best way to price shop coverage for your Ford and find the lowest price either online or from local insurance agents.

Consumers need to quote other rates on a regular basis because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Mustang insurance on your last policy the chances are good that you can find a lower rate quote today. There is too much inaccurate information about auto insurance out there, but in a few minutes you can learn some guaranteed methods to lower your auto insurance premiums.

The purpose of this article is to familiarize you with how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. Consumers just need to know the proper methods to compare company rates online.

Cheaper rates with these nine auto insurance discounts

Insuring your fleet can be pricey, but there could be available discounts to help bring down the price. Many of these discounts will be applied automatically when you get a quote, but some need to be manually applied prior to getting the savings.

  • Save with a New Car – Insuring a vehicle that is new is cheaper due to better safety requirements for new model year vehicles.
  • Air Bag Discount – Factory options such as air bags or motorized seat belts can receive discounts of more than 20%.
  • Defensive Driver Discounts – Taking time to complete a safe driver class could earn you a small percentage discount and also improve your driving technique.
  • Low Mileage Discounts – Keeping the miles down on your Ford may allow you to get lower rates on the low mileage vehicles.
  • Anti-lock Brake System – Cars that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts can save 10% or more off the medical payments premium.
  • 55 and Retired – Drivers that qualify as senior citizens can get a slight reduction on a insurance quote on Mustang insurance.
  • Telematics Discount – Insureds who allow driving data submission to monitor vehicle usage by using a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts if they show good driving skills.

Consumers should know that most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will help reduce the amount you have to pay.

A few of the larger companies and their possible discounts are included below.

  • Farm Bureau offers discounts for multi-policy, youthful driver, safe driver, multi-vehicle, 55 and retired, renewal discount, and driver training.
  • MetLife may offer discounts for defensive driver, multi-policy, accident-free, good student, good driver, and claim-free.
  • Progressive may have discounts that include online quote discount, continuous coverage, multi-vehicle, good student, and multi-policy.
  • AAA offers premium reductions for good driver, pay-in-full, AAA membership discount, anti-theft, and multi-car.
  • American Family policyholders can earn discounts including mySafetyValet, air bags, accident-free, bundled insurance, and Steer into Savings.
  • Geico includes discounts for federal employee, driver training, membership and employees, daytime running lights, five-year accident-free, multi-vehicle, and seat belt use.
  • State Farm discounts include student away at school, Steer Clear safe driver discount, passive restraint, driver’s education, anti-theft, and defensive driving training.

Before buying, ask every insurance company what discounts are available to you. Some of the discounts discussed earlier may not apply in your state. To find insurers offering auto insurance discounts, click this link.

Auto insurance can get complicated

When choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • Can I afford to buy a different vehicle if my 1996 Ford Mustang is totaled?
  • Does my personal policy cover me when driving out-of-state?
  • I have a DUI can I still get coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I get collision insurance on every vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Auto insurance coverages and their meanings

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Auto liability – This provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical expenses, legal defense fees and court costs. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, fire damage and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Mustang.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like doctor visits, funeral costs, chiropractic care and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be Smart and Buy Smart

Cheap 1996 Ford Mustang insurance is definitely available online as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not have the ability to get a quote online and many times these small, regional companies sell through local independent agents.

We just covered a lot of tips how to shop for 1996 Ford Mustang insurance online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even discover the most savings is with a smaller regional carrier.

Consumers leave their current company for a variety of reasons including not issuing a premium refund, high prices, an unsatisfactory settlement offer and even poor customer service. Whatever your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

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