Compare 2015 Ford Mustang Car Insurance Quotes

Trying to find better insurance coverage rates for your Ford Mustang? Searching for better insurance prices for a Ford Mustang can turn out to be an all-consuming task, but you can use our insurance coverage buying tips to save time. There is a better way to shop for insurance coverage so we’re going to tell you the best way to get price quotes for your Ford and get the cheapest rates from local insurance agents and online providers.

Consumers need to take a look at other company’s rates once or twice a year due to the fact that insurance prices fluctuate regularly. If you had the lowest rates on Mustang insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

How to lower your car insurance cost

Finding a lower price on 2015 Ford Mustang insurance is actually quite simple. The only thing you need to do is invest a little time comparing rates to see which company has low cost insurance quotes. This is very easy and can be done by following the guidelines below.

  1. The fastest and easiest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for repetitive form entry for every company. A single form gets insurance cost estimates instantly. This is perfect if you don’t have a lot of time.
  2. Another way to find more affordable insurance is to take the time to go to each company website to complete their respective quote request forms. For instance, we’ll assume you need rates from Nationwide, Allstate and State Farm. To do that, you would have to spend time going to each site individually to enter your coverage information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The last way to shop rates is going to each insurance agency near you. Comparing rates online eliminates this option unless you prefer the trained advice that can only be provided by a licensed insurance agent. It is possible to compare the best prices online but have a local agent actually write the policy.

However you get your quotes, try to keep exactly the same deductibles and coverage limits on every quote you get. If you enter unequal deductibles or liability limits you can’t possibly decipher which rate is best.

Lower rate quotes by taking advantage of discounts

Insuring your fleet can be pricey, but there are discounts available to help bring down the price. Certain reductions will be credited when you get a quote, but occassionally some discounts must be asked about before they will apply.

  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Drive Less and Save – Driving fewer miles could be rewarded with substantially lower prices.
  • Memberships – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates when shopping for auto insurance.
  • Government Employee Discount – Being employed by or retired from a federal job could cut as much as 10% off on Mustang insurance with select insurance companies.
  • Discounts for New Vehicles – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.

Don’t be surprised that many deductions do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

Popular auto insurance companies and some of their more popular discounts are outlined below.

  • Progressive includes discounts for good student, homeowner, multi-policy, multi-vehicle, continuous coverage, and online signing.
  • Farmers Insurance may include discounts for business and professional, switch companies, mature driver, youthful driver, and early shopping.
  • Farm Bureau offers discounts for driver training, multi-policy, youthful driver, good student, safe driver, and multi-vehicle.
  • State Farm offers premium reductions for accident-free, Steer Clear safe driver discount, defensive driving training, good student, good driver, and multiple policy.
  • GEICO policyholders can earn discounts including anti-lock brakes, good student, membership and employees, anti-theft, multi-policy, and multi-vehicle.
  • SAFECO offers discounts including bundle discounts, teen safe driver, anti-theft, multi-car, and anti-lock brakes.
  • Liberty Mutual has discounts for new vehicle discount, new graduate, hybrid vehicle, newly retired, and newly married.

Double check with every prospective company which discounts you qualify for. A few discounts may not apply to policies in every state. To see companies who offer online auto insurance quotes, click here.

How much insurance do I need?

When it comes to choosing the best insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions can aid in determining whether or not you might need professional guidance.

  • What is roadside assistance coverage?
  • Which companies will insure high-risk drivers?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have coverage when using my vehicle for my home business?
  • Is my state a no-fault state?
  • If my pet gets injured in an accident are they covered?
  • What if I owe more than I can insure my car for?
  • What can I do if my company won’t pay a claim?
  • Am I covered if I hit a deer?
  • Are my friends covered when driving my 2015 Ford Mustang?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

You can change your insurance premiums

An important part of buying insurance is that you know some of the elements that come into play when calculating your premiums. When you know what positively or negatively determines base rates, this allows you to make good choices that could help you find lower rates.

The items below are a few of the things used by insurance companies to determine your rate level.

  • Tickets will cost you – Drivers with clean records receive lower rates than their less careful counterparts. Even one ticket can boost insurance rates to the point where it’s not affordable. People who have careless violations such as DUI or willful reckless driving are required to prove financial responsibility with their state’s licensing department in order to drive a vehicle legally.
  • Your location is a factor – Having an address in a small town has definite advantages when buying insurance. People in densly populated areas tend to have much more traffic and longer commutes to work. Fewer drivers on the road translates into fewer accidents.
  • Only buy add-on coverages you need – There are quite a few add-on coverages that sound like a good idea at the time on your insurance policy. Insurance for things like rental car coverage, death and dismemberment, and extra equipment coverage may be wasting your money. The coverages may be enticing at first, but if you have no use for them remove them from your policy.
  • Liability claims can be big – Your insurance policy’s liability coverage will afford coverage if ever you are found liable for an accident. Liability insurance provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive when compared with rates for comp and collision, so do not skimp.
  • Vehicles with better crash test results mean better insurance rates – Vehicles that have high safety ratings get lower rates. Vehicles engineered for safety result in less severe injuries and fewer serious injuries means less claims paid which can mean better rates for you.

Specifics of your insurance policy

Knowing the specifics of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses for prosthetic devices, rehabilitation expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hitting a bird, fire damage and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t 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. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as loss of income, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Mustang.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, scraping a guard rail, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Shop smart and save

Some insurance companies don’t offer the ability to get quotes online and many times these regional carriers provide coverage only through independent agencies. Cheaper insurance coverage is attainable on the web and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

As you shop your coverage around, you should never buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage only to regret that it was a big error on their part. Your objective should be to find the BEST coverage at the best price while still protecting your assets.

Drivers who switch companies do it for any number of reasons including unfair underwriting practices, questionable increases in premium, policy non-renewal or denial of a claim. It doesn’t matter why you want to switch choosing a new company is easier than you think.

Additional learning opportunities

Comments About 2015 Ford Mustang Insurance

  1. Collin Dominguez

    If you don’t have tickets and live around Sioux Falls, South Dakota, check out GEICO. You might save some money. Was with The General. I recommend comparing lots of rates.

  2. Charlott Hudson

    Quoted with USAA for my Ford and cut my rates about $410 a year. Insured with Travelers before. I’m a pretty low risk driver.

  3. Trisha Delaney

    I went with 21st Century at renewal. Best rates in Missoula, Montana. Insured with Auto-Owners before. Even increased my liability limits. Just go online and compare their rates.

  4. Ruthanne Ingram

    Mine is so expensive. I live in Salt Lake City, UT. Received rates from Allstate, American Family, and some I forget for my Ford and saved $197 a year. Good savings if you bundle. It was easy to get rates.

  5. Alexander Buckner

    Thanks for putting this site together. Located in Minneapolis, MN. Checked online prices for a 2015 Ford Mustang. Ended up at about $220 savings annually. Went with Progressive. A clean driving record helps. Still almost need a second mortgage.

  6. Mckenzie Vincent

    I got a good deal I think. Went with Progressive for my 2015 Ford Mustang and cut my rates about $270 a year. I get multi-vehicle and multi-policy discounts. Not sure if rates are cheaper online or through an agent.

  7. Yen Bass

    I live on the west side of Buffalo, NY. Got prices from State Farm, AIG Insurance, Eastwood, and GMAC for my Ford and saved $93 a year. I’m a pretty good driver though.

  8. Shaquita Burns

    I got quite a few price quotes for a 2015 Ford Mustang in Aurora, CO. Ended up at right around $330 every six months with Amica. Wish I didn’t have to insure at all.

  9. Johnson Potts

    Nice info. I live in Bellevue, NE. Quoted rates from State Farm, GMAC, and Esurance for my Ford and saved just over $180 a year. Get lots of quotes to find the best rate.

  10. Olene Logan

    Proud to be from Raleigh, NC. Not sure of all the companies but I ended up saving about $40 each month. Left Hanover to switch.

  11. Vivien Schroeder

    Well-written and thought out article. Found cheapest coverage with GMAC for my 2015 Ford Mustang and saved about $270 a year. Insured with MetLife before. I get lower rates because of my clean driving record.

  12. Kymberly Pittman

    Where is cheaper car insurance? Live in Detroit, Michigan. Quoted a bunch of companies. Saved roughly $50 a month. Progressive was the cheapest option for me. Left Mercury to switch. I get a discount for insuring multiple vehicles. :)

  13. Dominga Mckee

    I’m just north of North Charleston, SC. Don’t remember every company but I ended up saving about $50 each month. Insured with Mercury before. Good savings if you bundle. Not sure if rates are cheaper online or through an agent.