2010 Ford Mustang Insurance Quotes – 9 Savings Tips

Have you finally had enough of scraping the payment together to buy car insurance? You’re in the same situation as millions of other vehicle owners. There are many insurers to buy insurance from, and although it’s nice to have a choice, more choices can make it harder to find the best rates for your vehicles.

Buying car insurance is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. Vehicle owners only need an understanding of the most efficient way to get comparison rates over the internet.

Buy auto insurance online

There are multiple methods to compare auto insurance prices but there is one way that is less time-consuming than others. You can spend your afternoon talking about coverages with insurance agencies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many insurance companies belong to an insurance system where insurance shoppers submit one quote, and each company can give them a price based on that data. This eliminates the need for quotation requests to each individual auto insurance company. To use this form to compare rates click here to start a free quote.

The only downside to pricing coverage this way is buyers cannot specifically choose which companies to get pricing from. So if you prefer to pick individual companies to request quotes from, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Compare rates however you want, just make absolute certain that you use equivalent quote data for each comparison quote. If the quotes have different deductibles it will be impossible to determine which rate is truly the best.

Find hidden discounts on auto insurance

Auto insurance is neither fun to buy or cheap, but companies offer discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be specially asked for before they will apply.

  • Telematics Data Discounts – Drivers that enable companies to scrutinize when and where they use their vehicle by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they show good driving skills.
  • Defensive Driver Discount – Completing a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.
  • Discount for Good Grades – Being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
  • No Accidents – Drivers who don’t have accidents can earn big discounts in comparison to drivers with a long claim history.
  • Organization Discounts – Being in certain professional organizations may earn a discount on your policy.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Discount for New Cars – Insuring a vehicle that is new can get you a discount compared to insuring an older model.
  • E-sign – Many auto insurance companies give back up to $50 for buying your policy digitally online.

Policy discounts save money, but some of the credits will not apply the the whole policy. Most only cut individual premiums such as comp or med pay. So when it seems like it’s possible to get free car insurance, you aren’t that lucky.

The best auto insurance companies and some of the premium reductions they offer are included below.

  • Progressive discounts include good student, continuous coverage, online signing, multi-policy, and multi-vehicle.
  • Farmers Insurance has discounts for early shopping, switch companies, homeowner, distant student, alternative fuel, and youthful driver.
  • Farm Bureau offers premium reductions for 55 and retired, renewal discount, multi-vehicle, good student, youthful driver, and multi-policy.
  • State Farm may have discounts that include accident-free, student away at school, anti-theft, Steer Clear safe driver discount, driver’s education, and multiple autos.
  • Geico has savings for emergency military deployment, defensive driver, air bags, driver training, five-year accident-free, seat belt use, and good student.
  • SAFECO may include discounts for bundle discounts, anti-lock brakes, anti-theft, homeowner, teen safe driver, multi-car, and safe driver.
  • Liberty Mutual may offer discounts for newly married, new graduate, multi-policy, new vehicle discount, good student, and hybrid vehicle.

If you need cheaper insurance quotes, ask each insurance company which discounts can lower your rates. Discounts may not apply to policyholders in your area.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique so this has to be addressed. For example, these questions might help in determining whether your personal situation could use an agent’s help.

  • When would I need rental car insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is business equipment covered while in my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving in Canada or Mexico?
  • What is the ISO rating for a 2010 Ford Mustang?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Information about specific coverages

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types available from auto insurance companies.

Collision protection

Collision coverage pays for damage to your Mustang resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, hitting a parking meter, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, falling objects, theft and damage from getting keyed. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like medical services, bail bonds, structural damage, loss of income and legal defense fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as ambulance fees, pain medications, hospital visits, surgery and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay