Cheap 1993 Ford Mustang Insurance Quotes

Looking for lower auto insurance rates for your Ford Mustang? Wish you could get a refund on overpriced auto insurance? It’s a common feeling and many consumers feel financially strained by their auto insurance policy. There is such a variety of insurers to buy insurance from, and even though it’s nice to have a choice, it can be more challenging to find the best rates for your vehicles.

It’s important to take a look at other company’s rates once or twice a year because prices are rarely the same from one policy term to another. Even if you think you had the best deal on Mustang insurance a year ago there may be better deals available now. Block out anything you think you know about auto insurance because it’s time to teach you how to quote online to find better rates and still maintain coverage.

How to get insurance quotes

Shopping for lower insurance rates can be challenging if you aren’t aware of the best way to get rate quotes. You could waste time talking about coverages with agents in your area, or you could save time and use the web to quickly compare rates.

Many of the larger companies participate in a marketplace that allows shoppers to submit their information once, and each participating company provides a quote based on that information. This eliminates the need for quote requests to every company.

To submit your quote information now, click to open in new window.

The one downside to getting quotes like this is you cannot specify the insurers to get pricing from. So if you prefer to pick from a list of companies to compare rates, we have a page of insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just try to use the exact same coverage information for every company. If you are comparing higher or lower deductibles it will be nearly impossible to decipher which rate is best.

Insurance coverage can get complicated

When it comes to choosing coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my trailer covered?
• Does my 1993 Ford Mustang qualify for pleasure use?
• What is covered by UM/UIM coverage?
• Does my policy pay for OEM or aftermarket parts?
• If my pet gets injured in an accident are they covered?
• Is my business laptop covered if it gets stolen from my vehicle?
• When should I drop full coverage on my 1993 Ford Mustang?
• Is my Ford Mustang covered if I use it for business?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

Specific coverage details

Knowing the specifics of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 1993 Ford Mustang.

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

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as loss of income, repair costs for stationary objects, repair bills for other people’s vehicles, legal defense fees and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses for surgery, EMT expenses, nursing services, ambulance fees and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a ditch, driving through your garage door, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.