Compare 1996 Ford Mustang Insurance Rates

Looking for cheaper insurance rates? Shoppers have many options when shopping for low-cost Ford Mustang insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to get rate quotes.

There are both good and bad ways to compare insurance rates and we’ll show you the best way to quote coverages for a Ford and obtain the cheapest rates either online or from local insurance agents.

Lower rates by qualifying for discounts

Auto insurance is not an enjoyable expense, but you might be missing out on some discounts that can dramatically reduce your bill. Certain reductions will be credited when you purchase, but a few need to be inquired about prior to getting the savings.

• Accident Waiver – This one is not really a discount per se, but certain companies will turn a blind eye to one accident without raising rates as long as you don’t have any claims before the accident.
• Life Insurance Discount – Some insurance carriers give a lower price if you buy some life insurance too.
• Government Employees – Simply working for the federal government may qualify for a discount when you quote car insurance on Mustang coverage with some auto insurance companies.
• Professional Organizations – Having an affiliation with a professional or civic organization is a good way to get lower rates on your policy.
• Online Discount – Some larger companies provide a small discount simply for signing on the internet.
• Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of nearly 15% which can help you find affordable car insurance.
• Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
• Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you may have a lower total premium amount.
• Telematics Data – Drivers who agree to allow their auto insurance company to spy on driving habits by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks if they show good driving skills.

While discounts sound great, it’s important to understand that some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will reduce the cost of your policy.

Car insurance companies that may offer quotes with these benefits may include but are not limited to:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

When quoting, ask each company or agent to apply every possible discount. Depending on the company, some discounts might not be offered in your area. To see providers with significant discounts, click here to view.

The best way we recommend to compare rates is to know the fact car insurance companies actually pay money for the chance to quote your coverage. To start a quote, the only thing you need to do is provide a little information like how your vehicles are used, types of safety features, marital status, and your credit rating estimate. Your rating data is instantly sent to multiple different insurance companies and they return quotes with very little delay.

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Get cheaper insurance rates by understanding these factors

When buying insurance it’s important to understand a few of the rating criteria that help calculate your premiums. If you have some idea of what influences your rates, this enables you to make decisions that may result in lower premium levels.

The factors shown below are just a few of the factors used by insurance companies to determine your premiums.

• Higher physical damage deductibles are cheaper – Protection for physical damage, aka comp and collision, protects your Ford from damage. A few examples of covered claims are a dented fender, hitting a deer, or theft. Physical damage deductibles define the amount you are required to spend before a claim is paid by your company. The more expense the insured is willing to pay, the lower your rates will be on Mustang coverage.
• Men pay more for car insurance – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that females are better at driving than males. Men and women have at-fault accidents at a similar rate, but men have costlier accidents. Not only that, but men also have more aggressive citations such as DWI and reckless driving.
• Never allow your insurance to lapse – Driving any period of time without insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. Not only will rates go up, failure to provide proof of insurance could result in a revoked license or a big fine.
• Safety ratings are a factor – Vehicles with high crash test scores get lower rates. Safe vehicles reduce occupant injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If the Ford Mustang is rated at a minimum four stars on Safercar.gov you may pay a lower rate.
• Multi-policy discounts can save money – Most larger companies give a discount to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to shop around to help guarantee you have the best rates.

Car insurance is unique, just like you

When buying the right insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions might point out whether or not you might need professional guidance.

• I don’t drive much so do I pay less?
• Should I have a commercial auto policy?
• What companies insure drivers after a DUI or DWI?
• What vehicles should carry emergency assistance coverage?
• Is my babysitter covered when using my vehicle?
• Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision coverage protection

This covers damage to your Mustang from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, hitting a parking meter, sideswiping another vehicle, colliding with a tree and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for funeral costs, hospital visits, rehabilitation expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Ford Mustang.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, rock chips in glass, fire damage, damage from flooding and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as bail bonds, court costs, attorney fees, loss of income and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

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Compare but don’t skimp

In this article, we presented many tips how you can save on 1996 Ford Mustang insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding affordable car insurance. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies.

Discount 1996 Ford Mustang insurance is available on the web as well as from insurance agents, so you need to shop car insurance with both to get a complete price analysis. Some companies may not have internet price quotes and usually these smaller companies work with independent insurance agencies.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In many cases, an insured cut physical damage coverage and found out when filing a claim that it was a big error on their part. The proper strategy is to buy enough coverage at the best possible price, not the least amount of coverage.

Much more information about insurance can be found at the links below

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Liability Insurance Coverage (Nationwide)
• Think You’re a Safe Driver? (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• Parking Tips to Reduce Door Dings (State Farm)

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