2012 Ford Mustang Insurance Quotes

Are you tired of not being able to afford to make your car insurance payment? You are no different than the majority of other consumers.

Having so many options when it comes to car insurance, it’s nearly impossible to locate the lowest price company.

You should make it a habit to price shop coverage before your next renewal since insurance rates go up and down regularly. Just because you found the lowest premium rates on Mustang insurance two years ago the chances are good that you can find a lower price today. There is a lot of bad information regarding car insurance on the internet, but I’m going to show you some of the best ways to reduce your car insurance bill.

Finding the best rates is not that difficult. Essentially every driver who buys insurance will more than likely be able to save money. But car owners must understand the methods companies use to sell online and apply this information to your search.

Compare auto insurance quotes

Most major insurance companies allow you to get pricing online. This process is pretty painless as you just type in your personal and coverage information into the form. When complete, the system automatically orders information on your driving record and credit history and gives you a price quote based on these factors. Being able to quote online helps simplify price comparisons, but the time required to go to each company’s website and repetitively complete many quote forms is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible if you want to find the lowest price.

Keep reading for an easier way to compare prices

An easier way to find better auto insurance pricing uses just one form to obtain quotes from several different companies. This type of form saves time, eliminates repetitive work, and makes rate comparisons a lot less work. After sending your information, it is quoted and you can select your choice of the quotes returned. If a lower price is quoted, you can click and sign and purchase coverage. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

To quickly find out if lower rates are available, click here to open in a new tab and complete the simple form. To compare your current rates, we recommend that you enter the insurance coverages identical to your current policy. This way, you are getting an apples-to-apples comparison based on the exact same insurance coverage.

Take advantage of every insurance discount

Some providers don’t list every possible discount in a way that’s easy to find, so the below list has a few of the more common and the more hidden credits that you can use to lower your rates.

  • Policy Bundle Discount – If you can combine your home and auto policy and insure them with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • Accident Forgiveness Coverage – Not a discount per se, but some companies like Progressive, Allstate, and GEICO will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free for a certain period of time.
  • Early Signing – Some insurance companies give discounts for buying a new policy before your current policy expires. This can save 10% or more.
  • New Car Discount – Buying a new car model can save up to 30% since newer vehicles are generally safer.
  • Auto/Life Discount – Insurance companies who offer life insurance give a lower premium rate if you buy life insurance from them.
  • Multiple Vehicles – Buying coverage for primary and secondary vehicles with the same insurance company can get a discount for every vehicle.
  • Claim-Free Discount – Insureds with no claims or accidents pay much less in comparison to drivers who are more careless.
  • Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you could save up to 5%.
  • Telematics Data Discounts – Drivers who agree to allow their company to spy on driving patterns by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they exhibit good driving behavior.
  • Federal Employees – Having worked for a branch of the government may reduce rates when you quote insurance on Mustang insurance with certain companies.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works.

A list of companies and their possible discounts are shown below.

  • Progressive policyholders can earn discounts including multi-vehicle, homeowner, online quote discount, continuous coverage, multi-policy, and online signing.
  • SAFECO offers discounts including homeowner, teen safe driver, anti-theft, multi-car, teen safety rewards, anti-lock brakes, and bundle discounts.
  • American Family discounts include good driver, good student, multi-vehicle, defensive driver, and air bags.
  • MetLife has savings for defensive driver, good student, accident-free, claim-free, multi-policy, and good driver.
  • GEICO may include discounts for seat belt use, emergency military deployment, multi-policy, federal employee, military active duty, and anti-lock brakes.
  • The Hartford offers premium reductions for good student, bundle, driver training, air bag, anti-theft, and defensive driver.

Before buying, ask each company which discounts can lower your rates. Some of the earlier mentioned discounts may not be available in your area.

How to know if you need help

When choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different so your insurance needs to address that. For example, these questions can aid in determining whether you might need an agent’s assistance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my 2012 Ford Mustang need full coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need higher collision deductibles?
  • Am I covered if my car is in a flood?
  • Am I covered by my spouse’s policy after a separation?
  • Can I afford to pay high deductible claims out of pocket?
  • What is the ISO rating for a 2012 Ford Mustang?
  • What is medical payments coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Ford Mustang insurance rates can be more affordable

The best way to find cheaper insurance is to take a look at the rating factors that help determine the level of your policy premiums. If you know what determines premiums, this helps enable you to make changes that may reward you with lower insurance prices. Many different elements are considered when quoting car insurance. A few of the factors are predictable such as traffic violations, but other criteria are less apparent like your vehicle usage or your commute time.

  • Eliminate unneeded extra coverages – There are many optional add-on coverages that may not really be needed if you aren’t diligent. Coverages like rental car coverage, accident forgiveness, and additional equipment coverage could be just wasting money. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so remove them from your policy.
  • Lower rates for married couples – Having a spouse helps lower the price on your insurance bill. Having a spouse usually means you are more responsible and insurance companies reward insureds because drivers who are married are more cautious.
  • Is car insurance cheaper for males or females? – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean males are worse at driving than females. Both genders have accidents at about the same rate, but men tend to have more serious accidents. They also receive more costly citations like DUI and reckless driving. Young males are most likely to cause an accident and therefore pay the highest rates.
  • Qualify for multi-policy discounts – Some insurance companies will give discounts to people that buy multiple policies such as combining an auto and homeowners policy. Even if you’re getting this discount it’s in your best interest to shop around to make sure you are getting the best deal.There is a chance you can save even more by insuring with multiple companies.
  • High credit rating translates to low costs – An insured’s credit score factor in determining what you pay for insurance. Drivers who have very high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower ratings. So if your credit rating is low, you could save money insuring your 2012 Ford Mustang by repairing your credit.
  • Where you reside plays a part – Living in small towns and rural areas is a positive aspect when shopping for auto insurance. Residents of big cities tend to have more aggressive driving styles and more severe claims. Fewer drivers and short commutes translates into fewer accident claims as well as less vandalism and auto theft.

Car insurance coverage options for a 2012 Ford Mustang

Having a good grasp of car insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by car insurance companies.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like chiropractic care, funeral costs, hospital visits, X-ray expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Mustang.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, backing into a parked car, colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

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 might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like medical expenses, medical services, loss of income and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, theft, a tree branch falling on your vehicle and a broken windshield. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

And the best car insurance company is…

Cheaper insurance is attainable on the web and with local insurance agents, so get free insurance quotes from both of them to have the best rate selection. Some companies may not offer online quoting and most of the time these regional insurance providers only sell through independent agents.

When searching for low cost insurance quotes, it’s very important that you do not skimp on coverage in order to save money. Too many times, consumers will sacrifice liability coverage limits and discovered at claim time that it was a big error on their part. The goal is to buy enough coverage at the best cost.

Much more information about insurance can be read at the links below