1994 Ford Mustang Insurance Quotes – 6 Tricks for Cheaper Rates

Searching for cheaper insurance for a Ford Mustang can be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the absolute fastest way to quote coverages for a new or used Ford and obtain the best price possible.

It’s smart to do rate comparisons every six months because insurance rates change frequently. Despite the fact that you may have had the lowest rates for Mustang coverage a couple years back there may be better deals available now. Block out anything you think you know about car insurance because we’re going to demonstrate the best methods to get good coverage at a lower rate.

Finding affordable coverage is not rocket science. If you have insurance now or are just looking to switch companies, you can use these tips to find the best rates while maintaining coverages. Vehicle owners just need to understand the most efficient way to get comparison quotes on the web.

How to Get Insurance Coverage Comparison Quotes

Most companies such as State Farm and Allstate provide prices for coverage directly from their websites. Obtaining pricing doesn’t take a lot of time as you just enter your personal and coverage information into a form. Once you submit the form, the system collects your driving and credit reports and generates pricing information based on these factors.

Online price quotes makes comparing rates easy, but the process of having to visit a lot of sites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to have as many quotes as possible in order to get a better rate.

Rate comparisons made easy

A less time-consuming method to lower your insurance coverage bill utilizes a single form to obtain quotes from many companies. The form is fast, eliminates form submissions, and makes online price comparison a lot less work. Immediately after you send the form, it is rated with multiple companies and you can pick any of the pricing results. If a lower price is quoted, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and can result in significant savings.

To quickly compare rates using this form now, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you input the limits and deductibles exactly as they are listed on your policy. Using the same limits helps guarantee you will get a rate comparison using the same coverage and limits.

Save with discounts on 1994 Ford Mustang insurance

Auto insurance companies don’t necessarily list all their discounts very clearly, so we took the time to find some of the best known and also the lesser-known car insurance savings. If you’re not getting every credit you qualify for, you are paying more than you should be.

Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
Claim Free – Claim-free drivers pay less when compared to accident-prone drivers.
Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
Student Driver Training – Have your child take driver’s ed class in school.
Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Mustang coverage with select insurance companies.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you could get a free car insurance policy, companies don’t profit that way.

For a list of insurers with the best car insurance discounts, click this link.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether or not you might need an agent’s assistance.

Should I rate my 1994 Ford Mustang as pleasure use or commute?
Can my teen driver be rated on a liability-only vehicle?
Am I covered if my car is in a flood?
Can my babysitter drive my car?
Am I covered if I drive in a foreign country?
Is my vehicle covered by my employer’s policy when using it for work?
What are the best liability limits?
Is pleasure use cheaper than using my 1994 Ford Mustang to commute?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Auto insurance coverage information

Knowing the specifics of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Liability car insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as structural damage, loss of income, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, rolling your car, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, rock chips in glass and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like pain medications, nursing services, prosthetic devices, funeral costs and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage