Cheaper 2015 Ford Shelby GT350 Insurance Rates

Finding low-cost insurance for your Ford Shelby GT350 can be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the absolute fastest way to compare rates for a Ford and find the cheapest rates.

If you have insurance now or need a new policy, you can use these tips to get lower rates and possibly find even better coverage. Finding cheaper insurance is quite easy. Vehicle owners only need to know how to compare company rates online.

Take advantage of every car insurance discount

Auto insurance companies don’t always publicize the entire discount list in a way that’s easy to find, so the list below gives a summary of a few of the more common and the harder-to-find car insurance savings. If they aren’t giving you every credit you deserve, you may be paying too high a price.

• Good Student – A discount for being a good student may save you up to 25%. The discount lasts up to age 25.
• Driver Safety – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily pay for the cost of the class.
• Multiple Policy Discount – If you have multiple policies with the same company you may earn nearly 15% which can help you find low cost insurance coverage.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and qualify for as much as a 10% discount.
• Drivers Education – Have your child enroll in driver’s education in high school.
• ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
• Own a Home and Save – Just being a homeowner can save a few bucks since owning and maintaining a home shows financial diligence.
• Organization Discounts – Having an affiliation with qualifying clubs or civic groups may earn a discount on your policy.
• Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you better prices if you take out life insurance.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

A list of car insurance companies and a partial list of their discounts can be read below.

• Farmers Insurance includes discounts for bundle discounts, mature driver, homeowner, teen driver, electronic funds transfer, and switch companies.
• Esurance may include discounts for emergency road assistance, Switch & Save, defensive driver, homeowner, renters, and multi-policy.
• State Farm discounts include multiple autos, accident-free, good driver, multiple policy, safe vehicle, good student, and anti-theft.
• Geico has discounts for good student, emergency military deployment, membership and employees, driver training, anti-lock brakes, anti-theft, and multi-policy.
• Allstate may offer discounts for anti-theft, teenSMART discount, early signing, anti-lock brakes, good student, and premier discount.

If you need low cost insurance coverage quotes, ask every insurance company to apply every possible discount. Some discounts listed above might not be offered in your area.

The method we recommend to compare rates is to take advantage of the fact most of the bigger providers actually pay money for the chance to compare their rates. To start a quote, the only thing you need to do is spend a couple of minutes providing details including if a SR-22 is required, whether you are married, distance driven, and driver ages. That information is sent automatically to insurance carriers in your area and they provide comparison quotes with very little delay.

If you wish to get multiple quotes for your 2015 Ford Shelby GT350 now, click here and enter the information requested.

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Learn how to lower your insurance rates

Lots of things are part of the equation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but some are less apparent like your vehicle usage and annual miles driven.A large part of saving on car insurance is knowing a few of the rating criteria that play a part in calculating the rates you pay for car insurance. If you understand what controls the rates you pay, this allows you to make good choices that will entitle you to lower rates.

• Poor credit rating equals high costs – Having a bad credit score is likely to be a major factor in determining your rates. Therefore, if your credit rating is not that good, you may save money insuring your 2015 Ford Shelby GT350 by taking the time to improve your credit score. Drivers who have high credit ratings tend to be less risk to insure than those with bad credit.
• Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. The safest vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates into fewer and smaller insurance claims and lower rates for you.
• Avoid unnecessary extra policy coverages – Policies have optional add-on coverages that sound like a good idea at the time if you aren’t diligent. Insurance for things like vanishing deductibles, towing coverage, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas initially, but if you have no use for them think about removing them and cutting costs.
• Does your occupation cost you more? – Did you know that where you work can have an impact on rates? Jobs such as military personnel, architects and medical professionals generally have higher average rates in part from job stress and lots of time spent away from family. On the other hand, professions such as actors, athletes and retirees receive lower rates on Shelby GT350 insurance.
• Big cities mean more claims – Choosing to live in smaller towns and rural areas of the country can save you money when it comes to car insurance. City drivers have more road rage incidents and more severe claims. Fewer drivers on the road means fewer accidents as well as less vandalism and auto theft.
• Never go without car insurance – Having an insurance coverage lapse can be a sure-fire way to increase your renewal premiums. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state DMV.
• Keep the miles off and save – Driving more miles every year the more you’ll pay to insure it. Many insurance companies apply a rate based upon how much you drive. Vehicles not used for work or commuting qualify for better rates than those used for commuting. Having the wrong rating on your Shelby GT350 is just wasting money. Double check that your car insurance policy is showing the proper vehicle usage.
• Your car’s features help determine car insurance rates – Choosing a vehicle with a theft deterrent system can save you some money. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft and help bring rates down.

How to know if you need help

When buying the right insurance coverage, there is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

• Does my liability insurance cover pulling a trailer or camper?
• Am I missing any policy discounts?
• Can I rate high risk drivers on liability-only vehicles?
• When would I need rental car insurance?
• Can I rent a car in Mexico?
• Exactly who is provided coverage by my policy?
• Will my insurance pay for OEM parts?
• Do I have newly-aquired coverage?
• When does my teenage driver need to be added to my policy?
• Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverage options for a Ford Shelby GT350

Having a good grasp of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability auto insurance – Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

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 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things such as funeral expenses, structural damage, pain and suffering and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, chiropractic care and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

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Feed the piggy bank

People change insurance companies for many reasons like not issuing a premium refund, unfair underwriting practices, being labeled a high risk driver and delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.

We covered a lot of tips how to compare 2015 Ford Shelby GT350 insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance coverage comes from the smaller companies.

Discount 2015 Ford Shelby GT350 insurance can be purchased on the web and with local insurance agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide online rate quotes and these regional carriers only sell coverage through independent agents.

Additional detailed information can be read at these sites:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Safety Belts FAQ (iihs.org)
• What is Full Coverage? (Allstate)

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