1990 Ford Mustang Car Insurance Quotes – 5 Policy Discounts

Looking for cheaper car insurance rates for your Ford Mustang? I can’t think of a single person who looks forward to buying car insurance, especially knowing their premiums are through the roof. Many auto insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurers and uncover the absolute best price available.

Five discounts for lower-cost car insurance rates

Companies offering auto insurance don’t always list all available discounts very well, so the list below details a few of the more common as well as some of the hidden car insurance savings.

  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up before driving could save 15% off the PIP or medical payment premium.
  • Good Student – Being a good student may save as much as 25% on a insurance quote. Many companies even apply the discount to college students until age 25.
  • Discount for New Cars – Buying car insurance coverage on a new vehicle is cheaper because newer vehicles have to meet stringent safety requirements.
  • Own a Home and Save – Just being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
  • Discount for Multiple Policies – If you can bundle your auto and homeowners insurance with the same company you could save at least 10% off all policies.

You should keep in mind that many deductions do not apply the the whole policy. Most only reduce individual premiums such as comp or med pay. So even though you would think you could get a free car insurance policy, companies wouldn’t make money that way. Any amount of discount will bring down your policy premiums.

A partial list of companies that have most of the discounts above are:

Double check with all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not apply to policyholders in your area.

The best way to get policy rate comparisons is to take advantage of the fact most larger insurance companies will pay a fee to give you rate quotes. The only thing you need to do is give the companies some data such as whether you are married, distance driven, if a SR-22 is needed, and driver ages. That rating information is instantly submitted to multiple companies and you will receive price estimates immediately.

If you would like to start a quote now, click here and complete the form.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions might point out if your insurance needs could use an agent’s help.

  • Do I need motorclub coverage?
  • Does my 1990 Ford Mustang need full coverage?
  • Does medical payments coverage apply to all occupants?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if I break a side mirror?
  • Is my cargo covered for damage or theft?
  • If I drive on a suspended license am I covered?
  • Are rental cars covered under my policy?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Insurance coverage breakdown

Having a good grasp of insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Collision – This will pay to fix damage to your Mustang from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, colliding with a tree, sideswiping another vehicle, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, doctor visits and EMT expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage – This provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as funeral expenses, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Money doesn’t grow on trees

Low-cost 1990 Ford Mustang insurance is available both online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not offer rates over the internet and these small insurance companies work with independent agents.

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. In many cases, someone sacrificed collision coverage only to find out that it was a big mistake. Your strategy should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

You just learned many tips how you can save on 1990 Ford Mustang insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheap insurance. You may be surprised to find that the lowest prices come from the least-expected company. Some small companies may only write in your state and offer lower rates than their larger competitors like State Farm, GEICO and Nationwide.

To learn more, feel free to visit the resources below: