View 1991 Ford Mustang Insurance Quotes

Finding affordable auto insurance can seem to be nearly impossible for consumers not familiar with shopping for insurance online. There are so many options that it can easily become a ton of work to find lower rates.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Locating more affordable protection can be fairly easy. Nevertheless, vehicle owners must comprehend the methods companies use to price insurance differently.

Complexity of Ford Mustang insurance rates

It’s important that you understand some of the elements that come into play when calculating your car insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with much lower annual insurance costs.

  • Do you have a high stress job? – Jobs such as judges, business owners and dentists tend to pay the highest average rates due to stressful work requirements and long work days. Other professions such as scientists, historians and retirees have the lowest average rates on Mustang insurance.
  • More claims means more premium – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies provide better rates to insureds who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
  • Tickets mean higher rates – Good drivers get better rates than their less careful counterparts. Even a single ticket can increase rates by as much as thirty percent. Drivers who have dangerous citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Liability coverage is peace of mind – Liability coverage will protect you if a court rules you are at fault for damages caused by your negligence. It provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Marriage pays dividends – Having a wife or husband can get you a discount on your policy. Having a significant other translates into being more mature it has been statistically shown that married drivers get in fewer accidents.
  • Low deductibles can be expensive – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Ford from damage. Some examples of claims that would be covered are collision with another vehicle, vandalism, or theft. The deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Mustang insurance.

Where Can I Get Cheap Insurance Coverage?

When shopping for insurance coverage there are multiple ways to compare rate quotes from local insurance coverage companies. One of the best ways to find the cheapest 1991 Ford Mustang insurance rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

  1. The best way to find low rates would be an industry-wide quote request form click here to open form in new window. This type of form keeps you from doing repetitive form submissions for every insurance coverage company. One quote request will return quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  2. Another way to find lower rates requires you to visit the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s say you want rates from Auto-Owners, Esurance and State Farm. You would have to go to every website to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just compare apples-to-apples coverages for every quote you compare. If the quotes have differing limits then you won’t be able to make a fair comparison for your Ford Mustang. Slightly different insurance coverages can result in a big premium difference. It’s important to know that having more price comparisons will improve the odds of getting a better price.

Can you really save that much by switching?

Companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. All the ads have a common claim that you can save if you switch your coverage to them. How do they all claim to save you money?

All the different companies have a certain “appetite” for the type of driver that earns them a profit. For example, a profitable customer could be between 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A customer who fits that profile will get very good rates and as a result will probably save when switching.

Consumers who don’t measure up to this ideal profile will have to pay higher premiums which usually ends up with business going elsewhere. The ad wording is “people who switch” not “people who quote” save that much. That is how insurance companies can state the savings.

Because of the profiling, it is so important to compare many company’s rates. It’s not possible to predict which insurance companies will fit your personal profile best.

Save money by taking advantage of these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically at the time of purchase, but lesser-known reductions have to be asked for before they will apply.

  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Sign Early and Save – Select companies give a discount for signing up before your current policy expires. It can save you around 10%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, auto insurance companies aren’t that generous. But all discounts will reduce the amount you have to pay.

A partial list of companies who might offer these benefits are:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings may not be available in your area.

When should I use an insurance agent?

When buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your situation could use an agent’s help.

  • What if I total my 1991 Ford Mustang and owe more than it’s worth?
  • Will I lose any money if I cancel my policy before it expires?
  • Who is covered when they drive my 1991 Ford Mustang?
  • How does medical payments coverage work?
  • What discounts do I qualify for?
  • Who is covered by my policy?
  • What is medical payments coverage?
  • What is the ISO rating for a 1991 Ford Mustang?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance 101

Learning about specific coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills for things like pain medications, hospital visits and EMT expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, rock chips in glass and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

This provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, legal defense fees and medical services. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

Collision insurance pays for damage to your Mustang caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Be Smart and Buy Smart

Insureds change insurance companies for a variety of reasons including questionable increases in premium, delays in paying claims, denial of a claim and even an unsatisfactory settlement offer. Regardless of your reason, finding a great new company can be pretty painless.

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. In many cases, someone dropped collision coverage only to regret they didn’t purchase enough coverage. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.

We just showed you many ways to compare 1991 Ford Mustang insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with the smaller companies.

Additional insurance information can be found at these links: