2000 Ford Mustang Car Insurance Quotes

Drivers have options when trying to find affordable Ford Mustang insurance. They can either waste time driving around to compare prices or leverage the internet to compare rates. There are more efficient ways to compare insurance rates and you need to know the absolute fastest way to quote coverages on a Ford and get the best price possible from both online companies and local agents.

Compare car insurance rates

Lowering your 2000 Ford Mustang car insurance rates is a great way to save money. The only thing you need to do is spend a few minutes to compare rate quotes online with multiple companies. This is very easy and can be done by following the guidelines below.

  1. If you are pressed for time, the simplest way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This quick form saves time by eliminating a different quote for each price estimate. Filling out one form compares rates from multiple low-cost companies. It’s definitely the quickest method.
  2. Another way to get comparison quotes is going to the website for each individual company and fill out a new quote form. For example, let’s say you want to see prices from GEICO, Allstate and GMAC. You would have to go to every website and enter your information, and that explains why we recommend the first method.

    For a list of links to insurance companies in your area, click here.

The approach you take is up to you, just ensure you are comparing apples-to-apples coverage limits and deductibles for every quote you compare. If the quotes have differing limits it will be next to impossible to make an equal comparison.

Discounts to earn cheaper insurance coverage rates

Insurance coverage is easily one of your largest bills, but you may find discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you complete an application, but occassionally some discounts must be specifically requested before you will receive the discount.

  • Good Grades Discount – Getting good grades can earn a discount of 20% or more. You can use this discount normally up to age 25.
  • Own a Home – Owning a house can help you save on insurance coverage because of the fact that having a home is proof of financial responsibility.
  • Defensive Driver – Passing a defensive driving class is a good idea and can lower rates and easily pay for the cost of the class.
  • Accident Waiver – Not really a discount, but a few companies such as State Farm and GEICO will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
  • Life Insurance Discount – Larger insurance carriers have a lower premium rate if you buy auto and life insurance together.
  • Driver Education Discount – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • ABS and Traction Control Discounts – Vehicles with ABS and/or traction control prevent accidents and qualify for as much as a 10% discount.
  • Sign Online – Some of the larger companies give back up to $50 shop insurance over the internet.
  • Drive Safe and Save – Drivers without accidents can save up to 40% or more on their insurance quote on Mustang insurance compared to accident prone drivers.
  • Early Renewal Discounts – Some larger companies reward drivers for switching policies prior to your current policy expiration. It could save around 10% when you buy insurance online.

Don’t be shocked that some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free insurance coverage policy, it’s just not the way it works.

A partial list of companies that possibly offer these money-saving discounts include:

When comparing rates, check with each insurance company which discounts you qualify for. Savings may not apply to policies in your area. To view insurance coverage companies with the best insurance coverage discounts, click here.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Should I drop comprehensive coverage on older vehicles?
  • When should I buy a commercial auto policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need motorclub coverage?
  • Do I need replacement cost coverage?
  • Why do I need rental car insurance?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I break a side mirror?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and may give you better protection.

Get more affordable insurance costs by understanding these factors

Consumers need to have an understanding of some of the things that help calculate your premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that can earn you lower premium levels. Many things are used in the calculation when you quote your car insurance policy. Some are obvious such as traffic violations, but others are more obscure such as your credit history and annual miles driven.

The items below are some of the things companies use to determine your premiums.

  • Where you live can modify rates – Having an address in smaller towns and rural areas of the country may provide you with better prices when buying car insurance. Lower population means less chance of accidents in addition to lower liability claims Drivers in populated areas regularly have more auto accidents and a longer drive to work. More time commuting means more chances of being involved in an auto accident.
  • Is you employer costing you more? – Jobs like military generalsair traffic controllers and emergency personnel generally have higher average rates in part from intense work requirements and lengthy work days. Other jobs like scientists, historians and the unemployed pay lower than average rates on Mustang insurance.
  • What are good liability protection limits? – A critical coverage on your policy, liability insurance is the protection if ever you are responsible for an accident. Liability insurance provides legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Cheaper rates after marriage – Walking down the aisle actually saves money on your policy. Having a spouse may mean you are more mature than a single person and insurance companies like that being married results in fewer claims.
  • Rate your vehicle for proper use – Driving a lot of miles each year the higher your rate. Most insurance companies calculate prices determined by how the vehicle is used. Cars and trucks that sit idle most of the time get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated Mustang may be wasting your money. Ask your agent if your declarations sheet reflects the correct usage for each vehicle.
  • Better car insurance rates for continuous coverage – Having an insurance coverage lapse is a fast way to increase your car insurance rates. And not only will your rates increase, getting caught without coverage can result in a hefty fine and possibly a revoked license.

Specifics of your insurance policy

Learning about specific coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Liability coverage

This will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like attorney fees, bail bonds, legal defense fees, medical services and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as fire damage, theft and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This covers damage to your Mustang caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like ambulance fees, funeral costs, dental work and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Mustang.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

A tidy conclusion

Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, poor customer service, being labeled a high risk driver and delays in paying claims. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

You just read a lot of tips how to get a better price on 2000 Ford Mustang insurance. The key thing to remember is the more you quote insurance, the higher the chance of saving money. You may even find the most savings is with a small mutual company.

Some insurance providers do not provide online price quotes and many times these smaller providers provide coverage only through independent insurance agents. Cheaper car insurance can be found online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money.

More information can be read at the links below