View 2007 Ford Mustang Insurance Rates

Want cheaper insurance rates for your Ford Mustang? Using the web to shop for insurance may seem to be difficult if you’ve never compared online price comparisons. But don’t let that discourage you because there is an easy way to compare rates.

It’s smart to compare rates yearly because insurance rates change quite often. Just because you found the best deal on Mustang insurance two years ago there is a good chance you can find better rates now. So just forget anything you know (or think you know) about insurance because we’re going to show you one of the quickest ways to save money, get proper coverage and the best rates.

Compare Car Insurance Today

There are multiple methods you can shop for 2007 Ford Mustang car insurance but some are less time-consuming than others. You could spend your day driving to local insurance agents in your area, or you could save time and use the internet to maximize your effort.

Many insurance companies participate in an industry program where insurance shoppers send in one quote, and at least one company can give them a price based on that information. This saves time by eliminating quote requests to every company.

To submit your quote information now, click here to start a free quote.

The single downside to using this type of form is you are unable to specify which insurance companies you want to price. So if you want to select specific providers to compare rates, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare identical quote information for every company. If you enter differing limits it will be next to impossible to make a fair comparison for your Ford Mustang. Just a small difference in coverages can make a big difference in price. And when comparison shopping, more quotes provides better odds of finding the best rates.

Policy discounts you shouldn’t miss

Companies don’t list every discount very well, so we break down both the well known and also the lesser-known ways to save on car insurance.

• Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
• Paperless Signup – Certain companies give back up to $50 for buying a policy and signing up over the internet.
• Life Insurance Discount – Larger companies have lower rates if you buy life insurance.
• Low Mileage Discounts – Fewer annual miles on your Ford could qualify for better rates on cars that stay parked.
• Accident Forgiveness – A handful of insurance companies permit an accident without raising rates if your claims history is clear for a certain period of time.
• Safe Drivers – Insureds without accidents can pay as much as 50% less on Mustang insurance than drivers with accident claims.
• Save with a New Car – Insuring a new car can save up to 30% since new cars are generally safer.
• Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
• Early Signing – Select companies give a discount for signing up before your current policy expires. This can save 10% or more.

Keep in mind that some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of providers with the best car insurance discounts, click here.

Insurance agents can help

When it comes to choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can help discover if your situation might need an agent’s assistance.

• What is the ISO rating for a 2007 Ford Mustang?
• When can my company non-renew my policy?
• What discounts do I qualify for?
• Are rock chip repairs covered?
• Is my Ford Mustang covered if I use it for business?
• Do I have coverage when making deliveries for my home business?
• Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Educate yourself about auto insurance coverages

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, damage from getting keyed, vandalism and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision coverages – Collision insurance pays for damage to your Mustang caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, scraping a guard rail, hitting a parking meter, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like funeral costs, doctor visits, rehabilitation expenses and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage can cover damages or injuries you inflict on a person or their property. This insurance protects YOU from claims by other people. It does not 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 might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as bail bonds, court costs, loss of income and emergency aid. How much coverage you buy is a personal decision, but buy as much as you can afford.