Trying to find the cheapest auto insurance rates for your Ford Mustang? Are you at wits end from scraping nickels together to insure your Ford every month? Your situation is no different than most other consumers.
You have so many insurers to buy insurance from, and though it is a good thing to be able to choose, more choices can make it harder to compare rates and cut insurance costs.
Comparing car insurance rates can be a lot of work if you don’t know the fastest way to get free quotes. You could waste a few hours talking about coverages with local insurance agents in your area, or you can utilize the internet for quick rates.
Most car insurance companies belong to a marketplace where insurance shoppers complete one form, and each company can give them a price. This saves time by eliminating form submissions to each individual car insurance company.
To enter your information into the quoting system, click here to start a free quote.
The one downside to doing it this way is you cannot specify which providers to get quotes from. So if you prefer to choose from a list of companies to request quotes from, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.
The approach you take is up to you, just make sure you compare identical coverage limits for each comparison quote. If you are comparing different limits and deductibles on each one it’s impossible to determine which rate is truly the best. Just slight variations in coverage limits could skew the results. It’s important to know that comparing a large number of companies increases the change that you will find the best rates.
Some providers don’t always publicize all their discounts in a way that’s easy to find, so the following is a list of a few of the more well known and the harder-to-find discounts that you may qualify for. If you aren’t receiving every discount you qualify for, you are just wasting money.
One last thing about discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will lower the premium cost.
A few of the larger companies and some of the discounts can be read below.
When getting free car insurance quotes, it’s a good idea to every prospective company to give you their best rates. A few discounts may not apply to policyholders in your state. To see a list of insurance coverage companies who offer online insurance coverage quotes, follow this link.
When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.
If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier
Understanding the coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most auto insurance policies.
This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.
Med pay and PIP coverage pay for bills for dental work, surgery, rehabilitation expenses and chiropractic care. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as theft, damage from flooding, falling objects and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
This will cover damages or injuries you inflict on a person or their property 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. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims such as structural damage, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.
This pays for damage to your Mustang resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims such as colliding with another moving vehicle, rolling your car, scraping a guard rail, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
As you quote car insurance, never buy less coverage just to save a little money. There have been many cases where someone sacrificed liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best price and still be able to protect your assets.
Budget-conscious 2013 Ford Mustang insurance is definitely available from both online companies and from local insurance agents, and you should be comparing both to have the best selection. Some auto insurance companies do not provide price quotes online and these regional insurance providers only sell coverage through independent insurance agencies.
For more information, take a look at the following helpful articles:
Here’s my quote info. I’m in the north part of Provo, UT. Got quotes with Amica, Safeco, and USAA for my 2013 Ford Mustang and saved just over $110 a year. Switched homeowners coverage too.
I think I’m paying too much. From east side of Bangor, ME. I quoted with Hanover, Amica, Sentry, and a couple others for my Mustang and saved about $240 a year. It’s easy to compare rates online now.
I was with Hanover last year but switched to Allstate. I live just to the west of Bismarck, ND. Hopefully won’t need it.
I live just outside Kailua, HI. I quoted with Progressive, Auto-Owners, and some I forget for my Mustang and saved just over $250 a year. Insured with Erie before.
Liked the article. Went with Nationwide for my 2013 Ford Mustang and cut my rates about $540 a year. Teenage drivers are expensive! Just go online and compare their rates.
I live in Kansas City, Missouri. Quoted with Auto-Owners, Mercury, and some smaller one I can’t remember the name of for my 2013 Ford Mustang and I’m now saving $52 a month.
Affordable car insurance is a myth. From Cranston, Rhode Island. Quoted a bunch of companies. Saved darn near $40 a month. State Farm was the cheapest option for me.
I got quite a few price quotes for a 2013 Ford Mustang in Wichita, Kansas. Ended up at roughly $370 every six months with AIG Insurance.
Corporate greed I’m telling you. I’m from Hilo, HI. Received prices from State Farm, American Family, and some I forget for my Mustang and saved just over $140 a year.
I think I’m paying too much. I’m in the south part of Wilmington, DE. Got quotes from State Farm, AAA, and Erie for my 2013 Ford Mustang and saved $134 a year. I think they have home insurance too.
Just my two cents. Got a quote with USAA for my 2013 Ford Mustang and cut my rates about $310 a year. Hardly afford to drive anymore.
If you’re a decent driver and live around Lincoln, Nebraska, check out Allstate. I saved quite a bit. Insured with GEICO before. I get a discount for insuring multiple vehicles. They offer free online rate quotes.
Is GEICO or Encompass cheap in Jersey City, NJ?