Cheap 1991 Ford Mustang Car Insurance Rates

Are you drained from trying to scrape together enough money to buy car insurance? You are in the same boat as many other drivers. Consumers have many insurance companies to purchase coverage from, and although it’s a good thing to have a selection, it can be more challenging to get the best deal.

Where can I get cheap insurance coverage?

Getting a cheaper price on 1991 Ford Mustang insurance is a great way to save money. You just need to invest a little time getting comparison quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

One of the fastest ways to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This form keeps you from doing separate forms for each price estimate. One form submission will return price quotes from several companies.

A more difficult way to compare prices requires you to visit the website for each individual company and repeat the quote process again and again. For instance, let’s say you want to get rates from State Farm, Progressive and Farmers. You would need to navigate to each company’s site and enter your information, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

Compare rates however you want, just compare equivalent coverage data for each comparison quote. If your comparisons have different data it will be impossible to make a fair rate comparison.

Do you really save 40% when you switch?

Consumers can’t get away from ads for cheaper car insurance from companies such as Allstate and Progressive. All the ads seem to make the promise that drivers will save a bundle just by switching your car insurance policy to them.

But how can every company have lower policy pricing? It’s all in the numbers.

All the different companies give the cheapest rates for the driver that earns them a profit. For example, a driver they prefer might have to be between 30 and 50, owns their home, and drives a safe vehicle. Someone that matches those criteria gets the lowest premium rates and most likely will cut their rates if they switch.

Insureds who do not meet those standards may be forced to pay a higher premium which translates to the customer not buying. The ads state “drivers that switch” but not “everyone who gets a quote” save that kind of money. This is how companies can truthfully make those claims. Each company has different criteria, so you absolutely need to get price quotes at each policy renewal. Because without a comparison, you cannot know which company will have the lowest rate quotes.

Do you qualify for discount car insurance?

The price of auto insurance can be rather high, but you may qualify for discounts to reduce the price significantly. Many discounts should be triggered at quote time, but a few must be specifically requested before they will apply.

  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Mustang coverage with select insurance companies.
  • Lower Rates for Military – Having a deployed family member could trigger a small discount.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because newer vehicles keep occupants safer.
  • Paperwork-free – A few larger online companies give back up to $50 just for signing your application on their website.
  • Driver Safety – Participating in a defensive driver class may get you a small discount and make you a better driver.
  • Sign Early and Save – Some car insurance companies give discounts for buying a new policy prior to your current policy expiring. It’s a savings of about 10%.
  • Mature Driver Discount – Drivers that qualify as senior citizens may be able to get a discount up to 10% for Mustang coverage.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
  • Multiple Cars – Insuring more than one vehicle on one policy can get a discount for every vehicle.

As is typical with insurance, many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky.

Companies and some of the premium reductions they offer include:

  • Travelers may have discounts that include continuous insurance, multi-car, multi-policy, IntelliDrive, and good student.
  • 21st Century has savings for early bird, driver training, homeowners, good student, air bags, and theft prevention.
  • State Farm offers discounts for Drive Safe & Save, passive restraint, multiple autos, multiple policy, safe vehicle, and driver’s education.
  • GEICO offers discounts including anti-theft, multi-policy, air bags, driver training, defensive driver, membership and employees, and emergency military deployment.
  • SAFECO offers premium reductions for teen safe driver, anti-theft, teen safety rewards, drive less, bundle discounts, multi-car, and accident prevention training.
  • AAA policyholders can earn discounts including multi-policy, good driver, anti-theft, AAA membership discount, and education and occupation.

It’s a good idea to ask every company the best way to save money. Some discounts listed above may not be available everywhere. To see insurers that have a full spectrum of discounts, click here to view.

What insurance coverages do I need?

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help you determine if you would benefit from professional advice.

  • Can my teen drive my company car?
  • How much liability coverage do I need in my state?
  • Am I covered if I break a side mirror?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does car insurance cover theft of personal property?
  • How do I buy GAP insurance?
  • Should I put collision coverage on all my vehicles?

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 a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Insurance coverage specifics

Knowing the specifics of insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like dental work, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1991 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass and fire damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

Collision insurance pays for damage to your Mustang from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.


Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others. It does not 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 values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like court costs, emergency aid and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Compare but don’t skimp

We covered many ways to save on 1991 Ford Mustang insurance. The most important thing to understand is the more quotes you get, the better likelihood of getting low cost insurance. You may even find the lowest priced insurance coverage comes from a small mutual company. These companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

When shopping online for insurance coverage, never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice collision coverage and learned later that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best possible price, but do not skimp to save money.

Lower-priced insurance coverage can be bought on the web and with local insurance agents, and you should be comparing both to have the best selection. Some insurance providers do not offer the ability to get quotes online and these smaller companies prefer to sell through local independent agencies.

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Comments About 1991 Ford Mustang Insurance

  1. Solange Simon

    I got a good deal I think. Proud to be from Cincinnati, Ohio. Quoted prices online for a 1991 Ford Mustang. Ended up at about $80 savings annually. Went with Progressive. Insured with AIG Insurance before. Even increased coverage a bit. I don’t insure for physical damage though.

  2. Veronique Roach

    Went with The General for my Mustang and saved around $110 a year. Left Eastwood to switch. Switched homeowners coverage too. I used their website to get prices.

  3. Gabrielle Holloway

    Here’s my quote info. Live in the southern part of Lexington, KY. Got car insurance quotes from Amica, MetLife, and Travelers for my Ford and saved about $100 a year. Still almost need a second mortgage. I think I’ll get rid of full coverage next time.

  4. Mendy Barry

    Does GEICO insure at replacement cost?

  5. Lashawna Ortega

    I’ve bought from Progressive forever. Cheapest rates in Las Cruces, New Mexico.

  6. Clementina Lindsey

    Here’s what I found out. I live just outside Las Vegas, NV. Received rates from State Farm, American Family, Eastwood, and Hartford for my Mustang and saved just over $60 a year. Left Nationwide to switch. I get multi-vehicle and multi-policy discounts. They offer free online rate quotes.

  7. Sonia Hammond

    It’s all a rip off. I live in a small town just outside of Bridgeport, Connecticut. I quoted with MetLife, Encompass, 21st Century, and AIG Insurance for my Ford and saved $109 a year. Not sure if rates are cheaper online or not.