Lower Your 2006 Ford GT Car Insurance Quotes

Looking for the cheapest auto insurance rates? Shoppers have lots of choices when shopping for affordable Ford GT insurance. They can either waste time calling around getting price quotes or save time using the internet to get rate quotes. There is a better way to shop for auto insurance and we’ll show you the proper way to price shop coverage for a Ford and locate the best price possible from local insurance agents and online providers.

Buying car insurance is not rocket science. If you are paying for car insurance now, you should be able to save some money using this strategy. Drivers only need an understanding of the most efficient way to shop their coverage around online.

How to get free auto insurance quotes online

Getting a more affordable price on 2006 Ford GT insurance is surprisingly easy. You just have to spend a little time to compare rate quotes to discover which company has inexpensive insurance coverage quotes. Insurance prices can be quoted using one of these methods.

  1. Experts agree that the best way to get quotes is an all-inclusive rate comparison click to view form in new window. This style of form saves time by eliminating separate quotation requests for every prospective company. Just one form gets rate comparisons from many national carriers. It’s definitely the quickest method.
  2. A slightly less efficient method to get comparison quotes requires a trip to each individual company website and repeat the quote process again and again. For examples sake, we’ll pretend you want to compare prices for Nationwide, State Farm and Farmers. To find out each rate you need to visit each site to enter the same coverage data repeatedly, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just do your best to use apples-to-apples coverages for every quote you compare. If you compare different coverage information you can’t possibly get a fair rate comparison.

Don’t believe everything you hear

Consumers can’t ignore all the ads that promise big savings by Progressive, Allstate and GEICO. All the ads try to convey promises about how much you will save if you change your policy.

How does every insurance coverage company lower your rates? It’s all in how they say it.

All the different companies quote their best rates for the type of customer that will generate a profit. An example of this type of risk profile might have to be married and over the age of 30, has a clean driving record, and drives a lower-performance vehicle. A customer who matches those parameters receive the lowest rate quotes as well as save if they switch.

People who don’t qualify for the ideal profile will get a more expensive rate which usually ends up with the customer not buying. If you listen closely, the ads state “customers who switch” not “everybody who quotes” save that much when switching. That’s why companies can truthfully make those claims. Each company has different criteria, so it’s extremely important to get insurance coverage quotes from several different companies. It is impossible to predict which company will have the lowest car insurance rates for your situation.

Lower rates by qualifying for discounts

Companies don’t always advertise every possible discount in a way that’s easy to find, so below is a list a few of the more common and the more hidden discounts that you may qualify for.

  • Homeowners Savings – Just being a homeowner can save you money because maintaining a house is proof of financial responsibility.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Multi-policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company you may earn as much as 10 to 15 percent.
  • Multiple Vehicles – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn discounted auto insurancerates on garaged vehicles.
  • Distant Student Discount – Kids who attend college more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Online Discount – Some insurance companies will give you a small discount simply for signing on their website.
  • ABS Braking Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A list of companies and some of the premium reductions they offer are detailed below.

  • American Family includes discounts for defensive driver, air bags, good student, Steer into Savings, and multi-vehicle.
  • Farm Bureau may include discounts for multi-policy, driver training, renewal discount, multi-vehicle, and safe driver.
  • State Farm offers premium reductions for multiple policy, good driver, Drive Safe & Save, multiple autos, and Steer Clear safe driver discount.
  • Travelers policyholders can earn discounts including multi-car, save driver, early quote, student away at school, and good student.
  • The Hartford may have discounts that include air bag, driver training, defensive driver, vehicle fuel type, and good student.
  • GEICO discounts include federal employee, five-year accident-free, anti-theft, multi-vehicle, and seat belt use.
  • Progressive offers discounts for continuous coverage, multi-policy, online quote discount, homeowner, and multi-vehicle.

When getting a coverage quote, ask each insurance company the best way to save money. All car insurance discounts may not be offered everywhere. For a list of insurers who offer auto insurance discounts, click this link.

Auto insurance is unique, just like you

When it comes to buying the best auto insurance coverage, there really is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

  • Can I still get insurance after a DUI?
  • When can my company non-renew my policy?
  • Why do I only qualify for high-risk insurance?
  • Am I covered when driving in Canada or Mexico?
  • Can my babysitter drive my car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When should I not file a claim?
  • Do I have coverage if my license is suspended?
  • How do I buy GAP insurance?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, a tree branch falling on your vehicle, theft, rock chips in glass and hitting a deer. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2006 Ford GT.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverages – This coverage pays for damage to your GT resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, colliding with another moving vehicle, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses for rehabilitation expenses, nursing services and hospital visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability – Liability coverage protects you from damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as repair bills for other people’s vehicles, attorney fees, medical services, loss of income and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Be a penny pincher

When searching for cheap insurance coverage quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

Insureds leave their current company for many reasons like an unsatisfactory settlement offer, questionable increases in premium, poor customer service and extreme rates for teen drivers. No matter why you want to switch, finding a new insurance coverage company is actually quite simple.

We just covered many tips how you can get a better price on 2006 Ford GT insurance. The key concept to understand is the more price quotes you have, the better likelihood of getting affordable insurance coverage. You may be surprised to find that the best car insurance rates are with a company that doesn’t do a lot of advertising.

Additional insurance coverage information is located at the links below