Compare 1999 Ford Mustang Car Insurance Rates

Looking for the cheapest auto insurance rates for your Ford Mustang? Are you at wits end from wondering where the money will come from to pay auto insurance each month? You’re in the same situation as many other drivers. Big companies like State Farm, Allstate, Geico and Progressive increase brand awareness with ads and it can be hard to ignore the flashy ads and find the best price available.

How to find the cheapest insurance

Comparing insurance rates can be challenging if you don’t utilize the most efficient way to do it. You can waste a lot of time talking about coverages with local insurance agents in your area, or you could use the web to get rates in a matter of minutes.

Many companies are enrolled in a marketplace that enables customers to submit their information once, and at least one company then returns a price quote based on the submitted data. This system prevents you from having to do quote requests for each company you want a rate for.

To find out what other companies charge click here to open in new window.

One minor caviat to doing it this way is you are unable to specify the companies to get quotes from. So if you prefer to choose from a list of companies to compare prices, we put together a list of companies who write insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but compare the exact same deductibles and coverage limits on every quote you get. If you enter differing limits then you won’t be able to decipher which rate is best.

Verify you’re receiving every discount

Buying insurance coverage is not cheap, but there could be significant discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of purchase, but once in a while a discount must be specially asked for before you get the savings.

• Driver Education Discount – Cut your cost by having your teen driver take driver’s ed class in high school.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
• First Accident Forgiveness – Not a discount per se, but companies like State Farm and Progressive may permit one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
• Payment Method – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
• Resident Student – Children who live away from home at college and leave their car at home may be able to be covered for less.
• Policy Bundle Discount – If you can bundle your auto and home insurance with the same company you could save 10% to 20% off each policy.

As a footnote on discounts, most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky. But any discount will definitely reduce your insurance coverage premiums.

Some of the larger companies that may offer these discounts possibly include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

Before buying, ask each company or agent to apply every possible discount. Depending on the company, some discounts may not apply to policies in your area.

When should I discuss my situation with an agent?

When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining if you might need professional guidance.

• Will filing a claim cost me more?
• Do I benefit by insuring my home with the same company?
• Am I better off with higher deductibles on my 1999 Ford Mustang?
• Is my teenager covered with friends in the car?
• Am I getting all the discounts available?
• Do I get a pro-rated refund if I cancel my policy early?
• What is covered by UM/UIM coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Learn about insurance coverages for a 1999 Ford Mustang

Understanding the coverages of insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane, damage from getting keyed and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as pain medications, ambulance fees, X-ray expenses, rehabilitation expenses and doctor visits. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole, rolling your car, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Ford Mustang.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability coverages – Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims like funeral expenses, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.