2018 Ford Mustang Car Insurance Quotes

Want the cheapest insurance rates for your Ford Mustang? Comparing and finding cheap rates for Driversinsurance is challenging for drivers who are new to online insurance quotes. Drivers have so many companies to choose from that it can quickly become a difficult situation to compare prices.

If you have car insurance now, you should be able to cut costs considerably using these methods. Finding cheaper protection is simple if you know the tricks. Nevertheless, drivers need to learn the way insurance companies sell online and use this information to your advantage.

How much is auto insurance?

To get the cheapest auto insurance quotes, there a variety of ways of comparing rate quotes from many different insurance companies. The simplest method to find competitive Ford Mustang insurance rates is to use the internet to compare rates. This is quite simple and can be completed by using one of the methods below.

1. The recommended way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for separate quotes for each company. One quote request will get you rate comparisons from all major companies. Just one form and you’re done.
2. A less efficient way to compare prices requires a trip to the website for each individual company and repeat the quote process again and again. For instance, let’s assume you want to compare rates from State Farm, Liberty Mutual and American Family. You would need to go to every website and enter your policy data, which is why the first method is more popular.

   For a list of links to insurance companies in your area, click here.

3. The least efficient method to compare rates is to waste gas driving to insurance agents’ offices. Comparing rate quotes online eliminates the need for an insurance agent unless you prefer the professional assistance only provided by licensed agents. It is possible with some companies price shop your coverage online but buy from a local insurance agent.

Take whichever approach you prefer, but do your best to enter the exact same information for each quote you get. If you enter different liability limits it will be impossible to make a fair comparison for your Ford Mustang. Slightly different coverage limits could mean much higher rates. Just keep in mind that getting more free quotes will enable you to find more affordable rates.

Everyone needs different insurance coverage coverages

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

For instance, these questions might point out if you could use an agent’s help.

• How much can I save by bundling my policies?
• Does my 2018 Ford Mustang need full coverage?
• Does my personal policy cover me when driving out-of-state?
• Do I have any recourse if my insurance company denies a claim?
• What is UM/UIM insurance?
• How much liability do I need to cover my assets?
• Do I need PIP (personal injury protection) coverage in my state?
• Can my teen drive my company car?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Coverages available on your car insurance policy

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Ford Mustang.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for expenses for nursing services, EMT expenses, funeral costs, doctor visits and surgery. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability – This provides protection from damages or injuries you inflict on a person or their property. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

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 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like bail bonds, emergency aid, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, a tree branch falling on your vehicle, hitting a deer and vandalism. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance pays for damage to your Mustang from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, driving through your garage door, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.