Save on 1996 Ford Mustang Insurance Quotes

Trying to find better insurance coverage rates for your Ford Mustang? Scraping up a payment for pricey Ford Mustang insurance can diminish your accounts and maybe even restrict other spending. Getting a rate comparison is recommended to lower your monthly bill.

Lots of auto insurance companies contend to insure your vehicles, so it can be very hard to choose a provider and get the best coverage at the best rates possible.

It’s smart to get comparison quotes on a regular basis because insurance rates fluctuate regularly. If you had the lowest premium rates on Mustang insurance at your last renewal you can probably find a better price now. Ignore everything you know about insurance coverage because it’s time to teach you one of the easiest ways to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. Finding affordable coverage is not that difficult. But vehicle owners do need to know how big insurance companies determine prices because it can help you find the best coverage.

How much is auto insurance?

Performing a rate comparison can take time and effort if you don’t understand the most efficient way to do it. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could save time and use the internet to quickly compare rates.

Many of the larger companies belong to a marketplace where prospective buyers enter their policy data once, and each participating company can provide price quotes based on that data. This eliminates the need for form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of system is you don’t know exactly which providers you will receive quotes from. If you wish to select from a list of companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just be sure to compare the exact same coverage limits and deductibles for each quote you get. If you compare higher or lower deductibles it’s not possible to get a fair rate comparison. Just a small difference in insurance coverages could throw off the whole comparison. Just keep in mind that comparing a large number of companies will improve the odds of getting the best rates.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help you determine if you would benefit from professional advice.

  • Does insurance cover tools stolen from my truck?
  • What discounts do I qualify for?
  • Do I have coverage if my license is suspended?
  • Am I covered when delivering products for my home-based business?
  • Should I sign the liability waiver when renting a car?
  • Can I afford low physical damage deductibles?
  • When can I cancel my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance 101

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, theft, fire damage, hitting a bird and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for prosthetic devices, pain medications, hospital visits, ambulance fees and dental work. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance provides protection from damage that occurs to a person or their property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like emergency aid, repair costs for stationary objects, medical expenses and loss of income. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Ford Mustang.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comments About 1996 Ford Mustang Insurance

  1. Paul Pruitt

    Anyone try to read their policy?

  2. Shauna Rodriquez

    Can I get replacement cost coverage for a 1996 Ford Mustang?

  3. Blanche Marks

    I found pretty cheap rate quotes for a 1996 Ford Mustang in Columbus, OH. Ended up at roughly $120 every six months with AAA. I only have liability coverage on it.

  4. Tressie Poole

    This is too expensive. Went with Progressive for my Ford and saved around $90 a year. I have a couple other vehicles on the policy. It was easy to get rates. It’s only liability tho.

  5. September Morgan

    Here’s my quote info. Proud to be from Phoenix, Arizona. Checked online prices for a 1996 Ford Mustang. Ended up at about $100 savings annually. Went with Progressive.

  6. Caterina Blake

    1996 Ford Mustang + 21st Century = GOOD RATES!

  7. Claudia Wooten

    Not sure if this is cheap. From northwest of Denver, CO. Got prices from AAA, Sentry, and a few others for my Mustang and I’m now saving $13 a month.

  8. Silas Whitehead

    GEICO is cheapest in Rhode Island! :)

  9. Nadia Blackwell

    Looking for cheaper 1996 Ford Mustang insurance in Milwaukee, WI. Help!

  10. Kiana Fowler

    I live on the west side of Hilo, HI. I don’t recall every quote but I ended up saving about $30 each month. Left Encompass to switch.

  11. Cindy Taylor

    In Kailua, HI compare State Farm with GEICO and see which is best.

  12. Noah Paul

    Great info, thanks for posting. I live in a small town just outside of Newark, DE. Got quotes from Nationwide, Encompass, Allstate, and Auto-Owners for my Ford and am saving around $100 a year. I got prices on the web.

  13. Mora Clarke

    Hope my rates come down. I live in Dover, DE. Quoted quotes from GEICO, Hanover, and Encompass for my Ford and I think I saved around $20 each month. Insured with MetLife before. Ask about discounts. Full coverage costs too much.

  14. Manda Wood

    Affordable car insurance is a myth. I live just to the north of Fort Smith, Arkansas. Compared quite a few companies. Saved roughly $30 a month. State Farm was the cheapest for me. Hardly afford to drive anymore. When should I drop full coverage?