Lower Your 1991 Ford Mustang Insurance Rates

Locating cheaper insurance for your Ford Mustang can be an all-consuming task, but you can follow our insurance coverage buying tips to find lower rates.

There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the absolute fastest way to quote coverages for your Ford and find the lowest possible price.

You should take the time to get comparison quotes on a regular basis due to the fact that insurance prices are usually higher with each renewal. Even if you got the best price on Mustang insurance a year ago you will most likely find a better rate today. Forget all the misinformation about insurance coverage because you’re going to get a crash course in the best way to save on insurance coverage.

If you have a policy now or are just looking to switch companies, you can use these techniques to find better prices and possibly find even better coverage. Finding more affordable coverage is not that difficult. Drivers just need to understand the tricks to compare company rates online.

How to get cheap insurance

Finding low cost insurance rates is an easy way to save money. You just need to take a couple of minutes getting comparison quotes to find. This can be done using one of these methods.

• Probably the best way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do repetitive form submissions for each company. In just a few minutes this one form gets you price quotes from all major companies. This is perfect if you don’t have a lot of time.
• A less efficient way to find more affordable insurance is to take the time to go to each company’s website and fill out a new quote form. For sake of this example, we’ll assume you want to view quotes from State Farm, Farmers and Geico. You would need to go to each individual site and punch in your information repeatedly, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but do your best to use apples-to-apples deductibles and coverage limits with every price quote. If your comparisons have higher or lower deductibles then you won’t be able to determine the lowest rate for your Ford Mustang.

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Drivers save money with with these discounts

Insuring your vehicles can cost a lot, but companies offer discounts to help offset the cost. Some trigger automatically when you quote, but a few must be asked about prior to receiving the credit.

• Homeowners Savings – Owning your own home or condo can get you a discount because it requires personal responsibility.
• Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off on Mustang insurance depending on your car insurance provider.
• Data Collection Discounts – Drivers who elect to allow data collection to scrutinize driving manner by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
• Drivers Education – Teen drivers should complete a driver education course as it can save substantially.
• Good Student Discount – Being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
• Early Switch Discount – Some car insurance companies reward drivers for switching policies before your current expiration date. This discount can save up to 10%.
• Senior Citizen Rates – Seniors can possibly qualify for better car insurance rates on Mustang insurance.
• Policy Bundle Discount – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
• Student in College – Children living away from home attending college without a vehicle on campus may be insured at a cheaper rate.
• Low Miles Discount – Maintaining low annual mileage could be rewarded with better rates on cars that stay parked.

Remember that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

To view companies with discount car insurance rates, click here to view.

Your situation helps dictate your coverage

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

These are some specific questions might point out whether or not you might need professional guidance.

• Is my teen driver covered when they drive my company car?
• Who is covered when they drive my 1991 Ford Mustang?
• Do I need motorclub coverage?
• Is my dog or cat covered if injured in an accident?
• Does car insurance cover theft of personal property?
• Is my Ford Mustang covered if I use it for business?
• When should I remove comp and collision on my 1991 Ford Mustang?
• How do I buy GAP insurance?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance coverages explained

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, a broken windshield, rock chips in glass and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses for things like X-ray expenses, EMT expenses, hospital visits and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like funeral expenses, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Collision insurance

This pays for damage to your Mustang from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, damaging your car on a curb and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

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In the end, you save

We just covered a lot of techniques to get a better price on 1991 Ford Mustang insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies.

Drivers who switch companies do it for many reasons like extreme rates for teen drivers, policy cancellation, an unsatisfactory settlement offer and even not issuing a premium refund. Whatever your reason, choosing a new insurance company is actually quite simple.

Cheaper insurance is available both online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not have internet price quotes and many times these regional insurance providers prefer to sell through local independent agents.

Even more information is available by following these links:

• Auto Theft Statistics (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)

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