2018 Ford Mustang Insurance Rates – 7 Tricks for Best Quotes

Drivers have lots of choices when trying to find the best price on Ford Mustang insurance. They can either waste time driving around trying to get quotes or save time using the internet to find the lowest rates.

There is a right way and a wrong way to find auto insurance online and you need to know the absolute fastest way to price shop coverage for your Ford and locate the best price possible.

It’s a great practice to check auto insurance prices on a regular basis because rates are rarely the same from one policy term to another. Even if you got the best rate for Mustang insurance on your last policy you may be paying too much now. There is a lot of bad information regarding auto insurance on the web, but by reading this article, you’re going to learn some of the best techniques to slash your auto insurance rates.

The purpose of this post is to teach you how to get online quotes and some money-saving tips. If you currently have car insurance, you will most likely be able to save some money using these tips. Consumers just need to understand how to compare price quotes online.

Compare car insurance quotes online

All the larger car insurance companies allow consumers to get prices direct online. Getting online quotes is easy for anyone as you just enter the coverages you want into a form. When complete, the company’s rating system automatically retrieves your driving record and credit report and provides a quote determined by many factors.

This helps simplify price comparisons, but the time required to go to several different sites and complete many quote forms is monotonous and tiresome. But it’s also necessary to compare as many rates as possible in order to get better car insurance pricing.

The preferred way to locate the lowest prices requires only one form to obtain quotes from several different companies. It saves time, requires less work, and makes online quotes much more enjoyable and efficient. After sending your information, it is rated and you can select any one of the quotes returned.

If you find a better price it’s easy to complete the application and buy the policy. The whole process can be completed in a matter of minutes and you will know how your current rates stack up.

To save time and find out how much you can save on car insurance, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend you duplicate deductibles and limits identical to your current policy. This way, you will have rate comparison quotes for similar coverage.

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Get lower-cost insurance with discounts

Companies that sell car insurance do not advertise every discount they offer very well, so the next list breaks down some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

• Student Driver Training – Require your teen driver to successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Discount for Passive Restraints – Options like air bags or automatic seat belts may get savings of up to 25% or more.
• Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Mustang insurance depending on your company.
• Driver Training Discounts – Successfully completing a course teaching driver safety skills could earn you a small percentage discount and easily pay for the cost of the class.
• Senior Citizen Rates – Mature drivers may be able to get a slight reduction on a auto insurance quote for Mustang insurance.
• Bundled Policy Discount – If you can bundle your home and auto insurance and place coverage with the same company you could save at least 10 to 15 percent or more.
• Multi-line Discount – If the company offers life insurance, you could get better premium rates if you take out a life policy as well.

Discounts lower rates, but some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

A list of companies and the discounts they provide can be found below.

• Farmers Insurance offers discounts including homeowner, alternative fuel, distant student, mature driver, pay in full, switch companies, and teen driver.
• State Farm may offer discounts for accident-free, Steer Clear safe driver discount, passive restraint, multiple policy, and good student.
• Liberty Mutual policyholders can earn discounts including multi-policy, newly married, newly retired, multi-car, and exclusive group savings.
• MetLife may include discounts for good student, claim-free, defensive driver, accident-free, good driver, multi-policy
• Progressive offers discounts for multi-policy, homeowner, online signing, continuous coverage, multi-vehicle, and online quote discount.

Check with each company to apply every possible discount. All car insurance discounts might not apply in your state. For a list of insurance companies with discount rates, click here.

Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether you might need an agent’s assistance.

• Can I make deliveries for my home business?
• Do I need to file an SR-22 for a DUI in my state?
• Should I carry comprehensive and collision coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• If my pet gets injured in an accident are they covered?
• How can I force my company to pay a claim?
• What if I don’t agree with a claim settlement offer?
• Am I better off with higher deductibles on my 2018 Ford Mustang?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Advertising and insurance

Drivers can’t ignore all the ads for insurance savings by State Farm, Allstate and Geico. All the ads seem to make the promise that drivers will save a bundle if you get a free auto insurance quote and switch your policy.

How is it possible that every company can cost less than your current company? This is the way they can do it.

Insurance providers give the cheapest rates for a prospective insured that earns them the highest profit. A good example of a preferred risk might be described as a married male, owns their home, and drives a safe vehicle. Any driver who fits those characteristics may get the lowest rates and will most likely cut their rates if they switch.

Potential insureds who are not a match for the requirements may receive higher prices which results in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way insurance companies can make it sound like they have such great car insurance rates.

This really drives home the point why drivers must do a price quote comparison at every renewal. It’s impossible to know which company will provide the lowest rates.

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The coverage is in the details

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, falling objects, theft and hitting a deer. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

This coverage pays for damage to your Mustang resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, crashing into a building, driving through your garage door, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Mustang.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like hospital visits, dental work and EMT expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things like bail bonds, pain and suffering, medical expenses, legal defense fees and loss of income. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Don’t be a big spender

In this article, we presented a lot of ways to compare 2018 Ford Mustang insurance auto insurance rates online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest auto insurance rates come from some of the smallest insurance companies.

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

A few companies may not provide online price quotes and usually these regional insurance providers provide coverage only through independent agents. Low-cost 2018 Ford Mustang insurance can be purchased on the web and from local agencies, and you need to comparison shop both to have the best rate selection.

More information can be found below:

• How to Avoid Staged Accidents (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)
• Crash Avoidance Technologies FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)

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