Lower Your 2005 Ford Mustang Car Insurance Quotes

Want cheaper insurance rates? Drivers have options when trying to find the lowest priced Ford Mustang insurance. They can either spend hours struggling with agents to get rate comparisons or leverage the internet to get rate quotes.

There is a better way to compare insurance rates and you need to know the best way to quote coverages for a Ford and get the lowest price from local insurance agents and online providers.

Compare the Market for Car Insurance

Finding a better price on car insurance is actually quite simple. You just need to invest a few minutes to compare quotes online from several insurance companies. This is very easy and can be done in several different ways.

Probably the best way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for separate quote forms to each individual car insurance company. In just a few minutes this one form will return price quotes from several companies. It’s definitely the quickest method.

A more difficult way to get comparison quotes is spending the time to visit the website for every company you want to comare to complete a price quote. For sake of this example, we’ll assume you want comparison quotes from Auto-Owners, Progressive and American Family. To get each rate you have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The most time-consuming way of getting rate comparisons is to spend your day driving to insurance agents’ offices. Buying insurance online makes this process obsolete unless you have a need for the trained guidance only provided by licensed agents. However, consumers can price shop online and still use a local agent and you’ll learn how to do that later.

Whichever method you choose, be sure to compare identical coverage limits and deductibles on every quote you get. If your comparisons have differing limits then you won’t be able to determine the lowest rate for your Ford Mustang.

Insurance agents can help

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

Do I have coverage when using my vehicle for my home business?
Why is insurance for a teen driver so high?
How can I get my company to pay me more for my totalled car?
How do I buy GAP insurance?
Why am I required to get a high-risk car insurance policy?
Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive car insurance

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

Comprehensive coverage protects against claims like hitting a deer, hail damage and theft. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as chiropractic care, EMT expenses, doctor visits, nursing services and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers 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. Normally these limits are identical to your policy’s liability coverage.

Liability

This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as court costs, repair bills for other people’s vehicles, attorney fees, legal defense fees and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, crashing into a ditch, driving through your garage door, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.