2006 Ford GT Insurance Quotes

Consumers have options when looking for affordable Ford GT insurance. They can either spend hours contacting agents trying to get quotes or leverage the internet to get rate quotes.

There are both good and bad ways to find insurance coverage online so you’re going to learn the quickest way to compare rates for a Ford and get the lowest price either online or from local insurance agents.

This article will introduce you to the most effective way to quote insurance and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Drivers just need to learn the tricks to buy auto insurance over the internet.

Quote car insurance online

The majority of larger companies give prices on their websites. Getting online quotes is quite simple because it’s just a matter of typing in the coverage amounts you desire into a form. Behind the scenes, the quote system automatically retrieves your credit score and driving record and provides a quote.

Quoting online makes comparing rates easy, but the time required to go to a lot of sites and type in the same information can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible if you are searching for better car insurance pricing.

The preferred way to locate the lowest prices makes use of a single form to get prices from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes comparison shopping much more enjoyable and efficient. Once the form is submitted, your coverage is rated with multiple companies and you can pick any of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process only takes a few minutes and may save quite a bit of money.

To save time and compare rates using this form now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you replicate the coverage information as close as possible to your current policy. Doing this assures you will receive rate quotes based on similar coverages.

Does car insurance advertising bend the truth?

Drivers can’t get away from all the ads for car insurance savings by 21st Century, Allstate and State Farm. They all make the point about saving some big amount if you move your coverage to them.

How does each company make the same claim? Here is how they do it.

All the different companies have specific criteria for the type of customer that earns them the most money. For instance, a driver they prefer may be between 25 and 40, has other policies, and the vehicle is rated for pleasure use. Any person who fits that profile will get a cheap rate quote and will save quite a bit of money when switching.

Potential customers who don’t measure up to those criteria may receive higher prices which usually ends up with the customer buying from someone else. The ads say “drivers who switch” but not “everyone who gets a quote” save that kind of money. That’s the way companies can truthfully advertise the savings.

This really emphasizes why drivers must get auto insurance quotes from several different companies. You cannot predict with any certainty which company will have the best premium rates.

Take advantage of every insurance coverage discount

Insurance coverage can be pricey, but there’s a good chance there are discounts to help bring down the price. A few discounts will be applied at the time of purchase, but some discounts are required to be inquired about prior to receiving the credit.

  • Theft Prevention Discount – Vehicles that have factory anti-theft systems help deter theft and earn discounts up to 10% off your auto insurance quote.
  • Distant College Student Discount – College-age children who live away from home to go to college and do not take a car to college could qualify for this discount.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for GT insurance depending on your insurance coverage provider.
  • Sign Online – A handful of companies will give you a small discount for buying a policy and signing up on the internet.
  • Senior Citizen Rates – Mature drivers may receive a small decrease in premiums for GT insurance.
  • Discount for New Cars – Putting insurance on a new car can cost up to 25% less because newer models have to meet stringent safety requirements.
  • Early Renewal Discounts – Some companies reward drivers for switching companies prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.
  • Membership in Organizations – Joining specific professional or occupational memberships or organizations can get you a small discount when shopping for insurance coverage.

Drivers should understand that some credits don’t apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

If you would like to choose from a list of insurance coverage companies that offer multiple discounts, follow this link.

How to know if you need help

When it comes to buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Should I carry comprehensive and collision coverage?
  • Who is covered by my policy?
  • Does my 2006 Ford GT need full coverage?
  • Are my friends covered when driving my 2006 Ford GT?
  • Do I need motorclub coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Can my teen drive my company car?
  • Can I still get insurance after a DUI?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but you know they 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. It only takes a few minutes and you can get the answers you need.

Insurance coverage considerations

Knowing the specifics of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like nursing services, pain medications and dental work. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford GT.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are similar to your liability insurance amounts.

Collision protection

This covers damage to your GT from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, rolling your car, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, rock chips in glass and damage from flooding. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. It 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, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like attorney fees, funeral expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

More quotes mean more savings

In this article, we presented a lot of tips how to reduce 2006 Ford GT insurance rates online. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a lesser-known regional company.

Insureds switch companies for any number of reasons including delays in responding to claim requests, delays in paying claims, policy cancellation and an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

Some companies do not offer rate quotes online and most of the time these smaller providers only sell coverage through independent insurance agents. Budget-friendly auto insurance can be purchased online and from local insurance agents, and you should be comparing both to have the best selection.

More information is located at the links below

Comments About 2006 Ford GT Insurance

  1. Latoria Hensley

    Lots of good stuff here. I’m in the suburbs of Indianapolis, IN. Can’t remember who all I quoted but I ended up saving about $60 each month.

  2. Ebonie Franklin

    I live just to the south of Boston, MA. I got free quotes from Amica, Safeco, and a few others for my GT and saved just over $450 a year. Thankfully I’m not a high risk driver. Just go online and compare their rates.

  3. Lynsey Randall

    Cheaper car insurance is a myth. I’m in the west part of Columbus, Ohio. Got prices from 21st Century, Liberty Mutual, and Esurance for my GT and I’m now saving $42 a month. Thankfully I’m not a high risk driver.

  4. Priscila Waller

    Anyone buy from Amica? I’m in Norman, OK.

  5. Micaela Torres

    Cheap car insurance? What’s that? Live in Aberdeen, South Dakota. Checked online prices for a 2006 Ford GT. Ended up at about $440 savings annually. Went with Progressive. Hopefully won’t need it.

  6. Jamie Richard

    Went with Hartford for my Ford and am saving around $170 a year. Left State Farm to switch.

  7. Michelina Church

    Compared rates with GEICO and American Family but still pricey.

  8. Branda Navarro

    Where is cheaper car insurance? Quoted with Hanover for my Ford and saved around $280 a year.

  9. Sena Leblanc

    If you have a clean record and live near Colorado Springs, CO, check out State Farm. They seem to be cheaper. Not sure about claim service.