2017 Ford Mustang Insurance Quotes

Searching for lower insurance coverage rates for your Ford Mustang? Locating low-cost insurance for a Ford Mustang could be a lot of work, but you can use these tips to find lower rates.

There is a better way to find insurance coverage online so you’re going to learn the proper way to compare rates for a Ford and get the cheapest rates from local insurance agents and online providers.

Buying more affordable insurance is not that difficult. If you are insured now or are looking for a new policy, you can follow these tips to find the best rates while maintaining coverages. Consumers just need to know the proper way to shop for insurance on the web.

How to buy insurance coverage

Finding cheaper 2017 Ford Mustang insurance coverage rates is not rocket science. The only requirement is to spend a few minutes on the computer to get quotes from different insurance companies. It’s really simple and can be done using a couple different methods.

  1. Hands down the most simple method to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing separate forms for each company you want a rate for. A single form gets rate comparisons direct from many companies. This is by far the quickest method.
  2. A more time consuming way to compare prices consists of visiting each individual company website and get a separate price quote. For sake of this example, let’s say you want to view quotes from State Farm, Farmers and GEICO. To do that, you would have to visit each site and repeatedly enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.
  3. The old school method to quote and compare insurance rates is actually driving to insurance agencies in your area. Comparing rate quotes online eliminates the middleman unless you prefer the guidance that can only be provided by a licensed insurance agent. Although you can price shop online but still have the advice of a local agent.

Compare rates however you want, just make darn sure you compare equivalent coverage limits and deductibles for every company. If you enter different data it will be very difficult to get a fair rate comparison.

Lower your car insurance rates with discounts

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that you may not even know about. A few discounts will automatically apply at the time of purchase, but some must be asked about in order for you to get them.

  • Defensive Driver Discount – Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Good Grades Discount – Excelling in school can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates on Mustang insurance than their less cautious counterparts.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Accident-Free Discounts – Drivers who don’t have accidents can save substantially as compared to frequent claim filers.
  • Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
  • Military Deployment Discount – Being deployed with a military unit may lower your rates slightly.
  • Home Ownership Discount – Just being a homeowner can help you save on car insurance because maintaining a house requires a higher level of personal finance.

Don’t be shocked that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like you can get free auto insurance, it’s just not the way it works. Any amount of discount should help reduce the amount you pay for coverage.

Companies and some of the discounts can be found below.

  • GEICO policyholders can earn discounts including seat belt use, five-year accident-free, good student, air bags, and anti-lock brakes.
  • MetLife has savings for good student, multi-policy, good driver, accident-free, and claim-free.
  • State Farm may include discounts for safe vehicle, Drive Safe & Save, driver’s education, Steer Clear safe driver discount, and multiple autos.
  • Progressive discounts include homeowner, online quote discount, good student, multi-vehicle, and continuous coverage.
  • Mercury Insurance includes discounts for type of vehicle, anti-theft, multi-policy, location of vehicle, multi-car, accident-free, and good driver.
  • 21st Century offers discounts for early bird, theft prevention, 55 and older, automatic seat belts, teen driver, anti-lock brakes, and good student.
  • Allstate may offer discounts for resident student, premier plus, EZ pay plan discount, premier discount, FullPay discount, anti-lock brakes, and eSmart discount.

Before you buy a policy, ask each company or agent what discounts are available to you. Some credits may not apply in your area.

You are unique and your car insurance should be too

When choosing the best car insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if your situation would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • How many claims can I have before being cancelled?
  • Is rental equipment covered for theft or damage?
  • Can I drive in Mexico and have coverage?
  • What is UM/UIM insurance?
  • How high should deductibles be on a 2017 Ford Mustang?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Parts of your insurance policy

Learning about specific coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from flooding and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance – This will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

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 policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as medical services, emergency aid, court costs, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for bills for surgery, ambulance fees, pain medications and hospital visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage will pay to fix damage to your Mustang from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, driving through your garage door, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.