Lower Your 1999 Ford Mustang Car Insurance Quotes

Looking for lower auto insurance rates for your Ford Mustang? Finding low-cost insurance for your Ford Mustang can turn out to be an all-consuming task, but you can follow our auto insurance buying tips and make it easy. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to compare rates for your Ford and find the best price possible.

You should make it a habit to take a look at other company’s rates every six months because auto insurance rates tend to go up over time. Despite the fact that you may have had the lowest rate on Mustang coverage two years ago a different company probably has better prices today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the things you must know in order to eliminate unnecessary coverages and save money.

Choosing the best insurance company for you is quite easy. If you have a policy now or need a new policy, you can use these techniques to get lower rates and possibly find even better coverage. Drivers just need to understand the most efficient way to compare prices online.

More discounts mean cheap premiums

Companies don’t list every possible discount very well, so the list below contains a few of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online.

  • Telematics Data – Drivers that enable their insurance company to analyze driving patterns remotely such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they are good drivers.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may be able to get reduced rates on Mustang coverage.
  • Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on Mustang coverage than their less cautious counterparts.
  • E-sign Discounts – A handful of larger companies will provide an incentive simply for signing online.

One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So even though you would think you could get a free insurance policy, that’s just not realistic.

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

  • State Farm includes discounts for Drive Safe & Save, good student, passive restraint, multiple autos, student away at school, defensive driving training, and Steer Clear safe driver discount.
  • Geico may include discounts for air bags, military active duty, anti-lock brakes, membership and employees, emergency military deployment, federal employee, and daytime running lights.
  • Liberty Mutual offers premium reductions for multi-policy, hybrid vehicle, newly married, teen driver discount, multi-car, and newly retired.
  • The Hartford may offer discounts for vehicle fuel type, defensive driver, bundle, good student, and driver training.
  • MetLife offers discounts for multi-policy, accident-free, defensive driver, claim-free, good driver, and good student.
  • Progressive policyholders can earn discounts including online signing, continuous coverage, homeowner, good student, and multi-vehicle.

Double check with each company which discounts you qualify for. A few discounts may not be offered in your state. For a list of providers that offer multiple discounts, click here.

Components of your Ford Mustang insurance costs

Many things are part of the calculation when you get your auto insurance bill. Some are obvious like an MVR report, but others are not quite as obvious like your vehicle usage or your commute time.

The factors shown below are a few of the things utilized by car insurance companies to help set prices.

  • Insure your auto and home with one company – Most larger insurance companies allow a discount to policyholders who buy several policies from them. It’s known as a multi-policy discount. Even though this discount sounds good, drivers will still want to comparison shop to help guarantee you have the best rates.
  • Low comp and collision deductibles mean high premiums – The deductibles you choose define how much you are required to spend out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims could be colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The larger the amount you pay before a claim is paid (deductible), the less money you will pay for auto insurance on Mustang coverage.
  • Youthful drivers cost more – Teen drivers have a tendency to be less responsible when behind the wheel so they pay higher auto insurance rates. More experienced drivers have been proven to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Do safer cars cost less to insure? – Cars with high safety ratings tend to have lower insurance rates. The safest vehicles result in less severe injuries and fewer serious injuries translates into savings for insurance companies passed on to you as lower rates. If your Ford Mustang scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

It’s not one size fits all

When choosing coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions may help highlight if you will benefit from professional help.

  • Will filing a claim cost me more?
  • Who is covered when they drive my 1999 Ford Mustang?
  • What is roadside assistance coverage?
  • Am I covered when driving a rental car?
  • If I drive on a suspended license am I covered?
  • Am I covered if my car is in a flood?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Insurance advertising tricks

Consumers can’t escape the ads that claim the lowest prices from the likes of Progressive, Allstate and Geico. All the ads try to convey promises about saving some big amount if you move your coverage to them.

It sounds good, but how can they all give you a lower rate? This is how they do it.

All companies require specific criteria for the driver that will not have excessive claims. For example, this type of insured may need to be between the ages of 30 and 45, has never had a policy lapse, and the vehicle is rated for pleasure use. Any new insured who matches that profile will get low prices and will most likely save when switching.

Consumers who do not meet the requirements will see higher premiums which leads to the customer not buying. The wording the ads use say “customers who switch” but not “everyone who gets a quote” save the amount stated. This is how insurance companies can make those claims. This emphasizes why drivers should get price quotes at each policy renewal. It’s just not possible to know which insurance company will have the best prices at this point in time.

Car insurance policy specifics

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverage

Collision coverage covers damage to your Mustang from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive car insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, hitting a bird, falling objects, theft and damage from flooding. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills such as dental work, rehabilitation expenses and EMT expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Mustang.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like medical expenses, attorney fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

In Summary

Affordable 1999 Ford Mustang insurance is possible from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies don’t offer the ability to get quotes online and most of the time these regional carriers prefer to sell through independent insurance agents.

When you buy car insurance online, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where drivers have reduced liability coverage limits and found out when filing a claim that it was a big mistake. Your goal is to buy enough coverage at the best possible price, not the least amount of coverage.

People switch companies for a number of reasons such as denial of a claim, policy non-renewal, unfair underwriting practices and even not issuing a premium refund. No matter why you want to switch, switching car insurance companies can be less work than you think.

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