Lower Your 2018 Ford Shelby GT350 Car Insurance Rates

Trying to find better insurance rates for your Ford Shelby GT350? Paying for overpriced Ford Shelby GT350 insurance can deplete your family’s budget and require stricter spending habits. Performing a rate comparison can lower your rates and help to lower your bills every month.

Big-name insurance companies like State Farm, Geico and Farmers Insurance all promote huge savings with TV and radio ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

Smart consumers take time to get comparison quotes before your policy renews because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal for Shelby GT350 insurance a year ago you can probably find a better premium rate now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the fastest and easiest way to lower your rates without sacrificing coverage.

Discount auto insurance rates

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts that could help you make your next renewal payment. A few discounts will be applied at quote time, but some need to be asked for before being credited. If you’re not getting every credit possible, you could be getting lower rates.

  • Seat Belt Discounts – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Sign Early and Save – A few auto insurance companies offer discounts for switching to them early. It could save around 10% when you buy insurance coverage online.
  • Club Memberships – Participating in certain professional organizations could qualify you for a break on your next auto insurance statement.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
  • Paperwork-free – A few larger companies will discount your bill up to fifty bucks just for signing your application on their website.

Remember that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that you could get a free auto insurance policy, it doesn’t quite work that way. But all discounts will help reduce the amount you pay for coverage.

If you would like to choose from a list of companies with significant discounts, click this link.

Compare free car insurance price quotes

All major car insurance companies like State Farm and Allstate allow consumers to get prices for coverage on their websites. Comparing rates online is pretty painless because you just enter the coverages you want into the form. When complete, their quoting system gets your driving and credit reports and returns a price. Quoting online makes comparing rates easy, but the work required to visit several different sites and enter the same data into a form is a big time waster. But it is imperative to perform this step if you want to get the best price possible.

There is an easier way!

The easiest way to lower your car insurance bill uses one form to get prices from a bunch of companies at once. It saves time, eliminates form submissions, and makes price shopping online much simpler. After sending your information, your coverage is rated and you can choose your choice of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

In order to get comparison pricing now, click here and submit your coverage information. If you currently have coverage, we recommend you enter the coverages exactly as they are listed on your policy. Doing this assures you will get a price comparison using the exact same coverages.

Insurance rate influencing factors

Consumers need to have an understanding of some of the elements that go into determining the level of your policy premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that may result in lower premium levels.

  • High deductibles save money – Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Some coverage claims could be a broken side mirror, hail damage, and burglary. Comprehensive and collision coverage deductibles define the amount you are willing to pay if the claim is covered. The more money you are required to pay out-of-pocket, the lower your rates will be for Shelby GT350 insurance.
  • Too many insurance claims will drive prices up – Auto insurance companies provide most affordable rates to drivers who are not frequent claim filers. If you frequently file small claims, you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Responsible drivers pay lower rates – Your driving citation history impacts your car insurance rates tremendously. Drivers who don’t get tickets pay less for auto insurance as compared to careless drivers. Getting just one speeding ticket or other violation can boost insurance rates by as much as twenty percent. Drivers who get dangerous citations like DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with the DMV in their state in order to keep their license.
  • Multiple policies with one company – Most insurance companies provide a discount to customers who buy several policies from them, otherwise known as a multi-policy discount. This can amount to as much as ten percent or more Even if you already get this discount, it’s still a good idea to compare other insurance prices to help guarantee you have the best rates.There is a chance you can find a better deal by buying insurance from a different company.
  • Do you really need roadside assistance? – Insurance companies have many add-on coverages that sound like a good idea at the time but may not be useful. Coverage for things like rental car reimbursement, death and dismemberment, and additional equipment coverage are probably not needed. These coverages may sound good when deciding what coverages you need, but if you don’t need them think about removing them and cutting costs.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your situation may require specific advice.

  • Exactly who is provided coverage by my policy?
  • Where can I find high-risk insurance?
  • Do I really need UM/UIM coverage?
  • How much liability insurance is required?
  • Is my custom paint covered by insurance?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Are car insurance companies telling the truth?

Drivers can’t get away from ads for car insurance savings from companies such as State Farm and Allstate. All the ads advertise the message about savings if you get a free insurance coverage quote and switch to them.

Is it even possible that every company can charge lower premium rates? It’s all in the numbers.

Insurance providers require specific criteria for the type of driver that will most likely be profitable. For instance, a desirable insured could possibly be a married female, has other policies, and the vehicle is rated for pleasure use. Anyone who fits that profile will get low auto insurance rates and will probably save if they switch.

Potential insureds who don’t meet those criteria must pay higher rates which translates to business going elsewhere. The trick companies use is to say “customers who switch” not “everyone who quotes” save money. That’s the way insurance companies can advertise the savings. Because of the profiling, you need to compare many company’s premium rates. It’s just too difficult to predict the company that will give you lower auto insurance rates than your current company.

Auto insurance coverages

Knowing the specifics of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, a tree branch falling on your vehicle, damage from flooding, rock chips in glass and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as chiropractic care, hospital visits, ambulance fees, prosthetic devices and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your 2018 Ford Shelby GT350.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability

This protects you from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like medical expenses, legal defense fees, attorney fees, pain and suffering and court costs. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Collision coverage

This pays for damage to your Shelby GT350 from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Saving money is sweet as honey

In this article, we presented quite a bit of information on how to compare 2018 Ford Shelby GT350 insurance rates online. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may discover the best price on car insurance is with a small local company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Geico and State Farm.

More affordable car insurance can be bought on the web and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide rates over the internet and many times these small, regional companies sell through independent agents.

Additional detailed information can be found at these sites: