Save on 2017 Ford GT Insurance Quotes

Searching for better insurance prices for a Ford GT can turn out to be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to find auto insurance online so we’re going to tell you the quickest way to get price quotes for a Ford and get the best price possible from both online companies and local agents.

Locating more affordable protection can be fairly easy. If you have a policy now or are just looking to switch companies, you can use this information to reduce the price you pay and possibly find even better coverage. Consumers just need to learn the proper methods to get comparison quotes online.

How much does car insurance cost?

Effectively comparing car insurance prices can be exhausting if you don’t understand the most efficient way. You could spend your day talking about coverages with insurance agencies in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Many companies take part in a program where prospective buyers submit one quote, and each participating company returns a competitive quote for coverage. This saves time by eliminating quotation requests for each company.

To find out what other companies charge click here (opens in new window).

One minor caviat to pricing coverage this way is you don’t know exactly which carriers to get pricing from. So if you prefer to choose specific providers to compare, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, make darn sure you compare equivalent coverage information on every quote you get. If you are comparing mixed coverages it will be impossible to make an equal comparison.

More discounts mean lower-cost premiums

Some insurers don’t always list every disount available in an easy-to-find place, so the following list contains both well-publicized and the harder-to-find discounts that may be available. If they aren’t giving you every credit you qualify for, you may be paying too high a price.

• Active Military Service – Being on active duty in the military could trigger a small discount.
• Low Mileage Discounts – Driving fewer miles could qualify for lower prices due to less chance of an accident.
• Onboard Data Collection – People who choose to allow companies to spy on their driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they are good drivers.
• Claim Free – Drivers who don’t have accidents have much lower rates as compared to drivers with a long claim history.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and can earn a small discount on your policy.
• Memberships – Being in a professional or civic organization could qualify you for a break on your bill.

A little disclaimer on discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of providers that offer some of these discounts, click this link.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if your situation will benefit from professional help.

• How high should deductibles be on a 2017 Ford GT?
• Am I covered when driving in Canada or Mexico?
• Should I have a commercial auto policy?
• Who is covered when they drive my 2017 Ford GT?
• How can I find cheaper teen driver insurance?
• Am I insured when driving a different vehicle?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage breakdown

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, damage from getting keyed, a tree branch falling on your vehicle, rock chips in glass and falling objects. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

This can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Collision coverage

This coverage covers damage to your GT resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for chiropractic care, pain medications, rehabilitation expenses and ambulance fees. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your 2017 Ford GT.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.