2017 Ford Shelby GT350 Insurance Cost – 5 Tricks for Best Prices

Searching for the cheapest insurance rates for your Ford Shelby GT350? Are you burned out from sacrificing to keep your car insured? Your situation is no different than many other people. You have so many auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, more choices can make it harder to adequately compare rates.

Locating affordable coverage is quite easy. If you are insured now or are looking for a new policy, you can use these techniques to cut your premiums and still get good coverage. Drivers just need to understand the tricks to compare price quotes over the internet.

Buy car insurance online

Many insurance companies like State Farm and Allstate allow you to get prices direct online. Doing online price comparisons is quite easy as you just enter the coverage amounts you desire into a form. After you submit the form the company’s rating system sends out for your driving record and credit report and generates a price based on these and other factors. Quoting online makes it easy to compare insurance prices but having to visit a lot of sites and enter the same data into a form is monotonous and tiresome. But it is imperative to get many rate quotes if you want to get the best price possible.

Rate comparisons made easy

A quicker way to find better car insurance pricing is to use a quote form to get prices from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes online quotes much more efficient. After your information is entered, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. It can be completed in a matter of minutes and may result in a nice savings.

To use this form to compare rates, click here and complete the simple form. To compare your current rates, we recommend you input the insurance coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will get an apples-to-apples comparison using the same coverage and limits.

These five discounts can lower your insurance coverage quotes

Some insurance providers don’t always list every discount they offer very well, so we researched some of the best known and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

• One Accident Forgiven – Not necessarily a discount, but some companies like State Farm and Allstate will allow you to have one accident before your rates go up if you are claim-free prior to being involved in the accident.
• Sign Online – A few insurance coverage companies will discount your bill up to fifty bucks for completing your application on your computer.
• Multiple Policy Discount – If you combine your home and auto policies with one company you will save at least 10% off all policies.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote on Shelby GT350 insurance as compared to drivers with claims.
• Student in College – Youth drivers who live away from home at college without a vehicle on campus could get you a discount.

As a sidenote, most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you could get a free insurance coverage policy, it’s just not the way it works. Any qualifying discounts will lower your overall bill.

Companies and some of the premium reductions they offer are:

• Progressive discounts include online signing, multi-policy, homeowner, continuous coverage, and good student.
• Farmers Insurance includes discounts for homeowner, early shopping, business and professional, teen driver, good student, and multi-car.
• Farm Bureau offers discounts including safe driver, renewal discount, multi-vehicle, driver training, and 55 and retired.
• State Farm policyholders can earn discounts including Steer Clear safe driver discount, passive restraint, safe vehicle, student away at school, accident-free, and good student.
• Geico offers premium reductions for good student, air bags, membership and employees, anti-lock brakes, multi-policy, anti-theft, and federal employee.
• SAFECO may include discounts for drive less, accident prevention training, teen safe driver, safe driver, anti-lock brakes, anti-theft, and multi-car.
• Liberty Mutual may have discounts that include preferred payment discount, new graduate, safety features, exclusive group savings, and newly married.

Before purchasing a policy, check with all companies you are considering which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies everywhere.

Different people need different insurance coverage coverages

When buying coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help highlight whether or not you may require specific advice.

• Do I really need UM/UIM coverage?
• Should I buy more coverage than the required minimum liability coverage?
• Exactly who is provided coverage by my policy?
• Does my 2017 Ford Shelby GT350 qualify for pleasure use?
• Does coverage extend to a rental car in a foreign country?
• Do I have coverage for damage caused while driving under the influence?
• How high should my medical payments coverage be?
• How can I force my company to pay a claim?
• Does my personal policy cover me when driving out-of-state?

If you’re not sure about those 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, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Specifics of your auto insurance policy

Knowing the specifics of a auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average auto insurance policy.

Medical expense coverage

Med pay and PIP coverage kick in for bills for surgery, rehabilitation expenses, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your Shelby GT350 from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Ford Shelby GT350.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability insurance

This protects you from injuries or damage you cause to people or other property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, court costs, legal defense fees, funeral expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, damage from a tornado or hurricane and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.