2015 Ford Mustang Insurance Quotes – 6 Tips for Cheaper Rates

Looking for better auto insurance rates? Shoppers have many options when shopping for the lowest priced Ford Mustang insurance. They can either spend hours struggling with agents to compare prices or utilize the internet to compare rates.

There are more efficient ways to find auto insurance online and we’ll show you the best way to get price quotes on a Ford and obtain the lowest price from both online companies and local agents.

If you have a current insurance coverage policy or need a new policy, you can use these techniques to reduce the price you pay and possibly find even better coverage. The purpose of this article is to introduce you to the best way to quote coverages and some money-saving tips. Vehicle owners just need to know how to shop for insurance coverage online.

Pay less by taking advantage of these six discounts

Insuring your vehicles can cost a lot, but there are discounts available that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be specifically requested in order for you to get them. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Early Signing – Some companies give discounts for switching policies before your current policy expires. This can save 10% or more.
  • Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates on auto insurance on Mustang coverage.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • No Claims – Drivers who don’t have accidents can save substantially as compared to drivers who are more careless.
  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.

Drivers should understand that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will bring down the cost of coverage.

Insurance companies who might offer these discounts may include but are not limited to:

Double check with every prospective company how you can save money. Savings may not apply in every state.

Finding Car Insurance

Cutting your car insurance rates is not a difficult process. Just spend a few minutes on the computer comparing price quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate quote forms to each individual car insurance company. One form submission gets you price quotes from all major companies. Recommended for those who want to invest the least amount of time.

A less efficient way to get quotes online is spending the time to visit the website of each company and fill out their own quote form. For examples sake, let’s assume you want to compare rates from Auto-Owners, State Farm and Progressive. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just compare identical information on every quote you get. If you are comparing unequal deductibles or liability limits it will be very difficult to decipher which rate is best.

Your coverage should be tailored to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions might help in determining if you might need an agent’s assistance.

  • Is my 2015 Ford Mustang covered for smoke damage?
  • Should I sign the liability waiver when renting a car?
  • Am I covered if I break a side mirror?
  • Do I need motorclub coverage?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when pulling a rental trailer?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage basics

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2015 Ford Mustang.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance

Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like medical expenses, repair costs for stationary objects, medical services, emergency aid and court costs. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for hospital visits, ambulance fees, surgery, rehabilitation expenses and chiropractic care. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, theft and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

A penny earned…

The cheapest 2015 Ford Mustang insurance is attainable on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies do not provide online quoting and these small, regional companies work with independent agents.

We’ve covered a lot of tips how to save on insurance. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even discover the biggest savings come from a lesser-known regional company.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your aim should be to get the best coverage possible for the lowest price while still protecting your assets.

Additional detailed information can be found at these sites: