Ford Ford Mustang Insurance Rates
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UPDATED: Mar 9, 2020
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Looking for the cheapest auto insurance rates for your Ford Mustang? Finding lower premiums on auto insurance is challenging for people who are new to buying insurance online. You have so many options that it can turn into a challenge to compare prices.
If you currently have car insurance, you will be able to save some money using this strategy. This information will instruct you on how car insurance quotes work. But vehicle owners must understand how insurance companies market insurance on the web.
Automobile Insurance Quotes
There are several ways of comparing rates from different insurance companies. The easiest way by far to compare 2014 Ford Mustang insurance prices consists of obtaining rate quotes online. This can be done in a couple of different ways.
The recommended way to find low rates is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing a different quote to each individual auto insurance company. One quote request will return quotes from multiple low-cost companies. This is by far the quickest method.
A harder way to compare rate quotes requires you to visit the website of each company and complete a new quote form. For example, we’ll pretend you want to compare Liberty Mutual, GEICO and Progressive. To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker.
For a list of links to insurance companies in your area, click here.
The least efficient method of getting rate comparisons is to spend your day driving to insurance agents’ offices. Shopping for auto insurance online makes this process obsolete unless you require the professional advice of a licensed agent. You can, however, comparison shop your insurance online but buy from a local insurance agent and we’ll talk about that later.
Which method you use is up to you, but compare apples-to-apples quote information for every quote you compare. If each company quotes unequal deductibles or liability limits you can’t possibly determine which rate is truly the best. Quoting even small variations in coverages may cause a big price difference. And when quoting auto insurance, remember that more quotes helps you find the best rates.
Cut prices on 2014 Ford Mustang insurance
Auto insurance companies don’t necessarily list all their discounts very clearly, so here is a list some of the best known and also the lesser-known ways to save on insurance.
- Defensive Driver – Taking part in a driver safety course could save 5% or more depending on where you live.
- Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
- Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
- Multiple Cars – Buying coverage for all your vehicles on the same insurance policy could earn a price break for each car.
- College Student – Children living away from home attending college without a vehicle on campus may qualify for this discount.
- Homeowners Discount – Being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.
- 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Mustang insurance.
- Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies aren’t that generous.
To see a list of providers with discount insurance rates, click here to view.
Tailor your coverage to you
When it comes to buying coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.
For example, these questions might help in determining whether you will benefit from professional help.
- Why am I required to buy liability insurance?
- When can I cancel my policy?
- How does medical payments coverage work?
- What is high-risk coverage and where do I buy it?
- Is a new car covered when I drive it off the dealer lot?
- Am I covered if I wreck a rental car?
- Is my trailer covered?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Is motorclub coverage worth it?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.
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Car insurance coverage options for a Ford Mustang
Knowing the specifics of car insurance helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as a broken windshield, damage from a tornado or hurricane, damage from getting keyed and vandalism. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for surgery, EMT expenses, ambulance fees and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible
Liability coverages – This coverage can cover damage that occurs to people or other property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.
Liability coverage protects against things like emergency aid, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Ford Mustang.
Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Collision coverages – Collision coverage pays for damage to your Mustang resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like driving through your garage door, hitting a parking meter, rolling your car, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.
Don’t throw your cash in the trash
Consumers change insurance companies for many reasons like delays in responding to claim requests, lack of trust in their agent, unfair underwriting practices and even policy cancellation. It doesn’t matter what your reason, choosing a new company is actually quite simple.
In this article, we presented some good ideas how to get a better price on 2014 Ford Mustang insurance. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies.
Affordable insurance can be purchased on the web and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and these small insurance companies work with independent agents.
More detailed insurance information can be found at these sites:
- Distracted Driving Statistics (Insurance Information Insitute)
- Understanding Rental Car Insurance (Insurance Information Insitute)
- Driving in Bad Weather (Insurance Information Insitute)
- Distracted Driving Extends Beyond Texting (State Farm)
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