2015 Ford Mustang Insurance Quotes – 6 Savings Tips

Finding cheaper insurance for your Ford Mustang can normally be a lot of work, but you can use these tips to find lower rates. There is a better way to shop for insurance coverage and we’ll show you the absolute fastest way to quote coverages for a Ford and find the best price possible from local insurance agents and online providers.

If you have insurance now or need new coverage, you can learn to cut your premiums while maximizing coverage. Buying the best insurance can be fairly easy. Drivers only need to know the most efficient way to shop their coverage around on the web.

Save on 2015 Ford Mustang insurance

Companies do not list all available discounts in an easy-to-find place, so we break down some of the more common and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Accident Free – Drivers with accident-free driving histories pay much less when compared to bad drivers.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Student Driver Training – Have your child complete a driver education course if it’s offered in school.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of insurers who offer car insurance discounts, click here.

Compare Quotes for Insurance Coverage

Finding cheaper 2015 Ford Mustang insurance coverage prices doesn’t have to be difficult. Consumers just need to spend a few minutes on the computer getting comparison quotes online with multiple companies. This is very easy and can be done in several different ways.

The first (and easiest) way to get the best comparison quotes is a comparison rater form click here to open form in new window. This form prevents you from having to do separate forms for each company. Just one form will return price quotes from all major companies. Just one form and you’re done.

A different way to get comparison quotes is spending the time to visit the website for every company you want to comare to request a price quote. For examples sake, let’s say you want rates from Auto-Owners, Allstate and State Farm. To get rate quotes you would need to visit 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.

The least recommended way to get comparison rates is driving to different agent offices. Shopping for insurance coverage online has reduced the need for local agents unless you have a need for the professional advice of a local agent. It is possible to comparison shop your insurance online but still have the advice of a local agent and you’ll learn how to do that later.

Whichever way you use, double check that you are using identical information for each comparison quote. If you are comparing different liability limits it will be next to impossible to determine the lowest rate for your Ford Mustang.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if you will benefit from professional help.

  • What if I total my 2015 Ford Mustang and owe more than it’s worth?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I rent a car in Mexico?
  • Does my 2015 Ford Mustang qualify for pleasure use?
  • What is roadside assistance coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

What insurance coverages do you need?

Having a good grasp of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as medical expenses, pain and suffering, medical services and bail bonds. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses for things like chiropractic care, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while 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

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, fire damage, damage from a tornado or hurricane and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This covers damage to your Mustang caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Don’t throw your cash in the trash

Consumers who switch companies do it for a number of reasons such as denial of a claim, not issuing a premium refund, policy cancellation or even questionable increases in premium. Whatever your reason, switching auto insurance companies is less work than it seems.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an insured cut full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.

You just learned a lot of information how to get a better price on 2015 Ford Mustang insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with a smaller regional carrier.

Much more information about auto insurance can be read on the following sites: