1991 Ford Mustang Insurance Quotes

Want lower insurance coverage rates for your Ford Mustang? Are you confused by the sheer number of insurance coverage company choices? You have a lot of company. Drivers have so many choices that it can turn into a lot of work to find the lowest price.

You should take the time to check insurance coverage prices quite often due to the fact that insurance rates are constantly changing. If you had the best deal on Mustang coverage a year ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance coverage online but we’re going to give you some solid techniques on how to find affordable insurance coverage.

Verify you’re getting all your discounts

Car insurance companies don’t always list all their discounts very clearly, so here is a list some of the more common and also the lesser-known discounts you could be receiving.

  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Homeowners Savings – Being a homeowner may trigger a insurance coverage policy discount because of the fact that having a home requires personal responsibility.
  • No Claims – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
  • Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings when shopping for insurance coverage on Mustang coverage.
  • E-sign – Some insurance companies will give a small break for buying a policy and signing up over the internet.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

Companies that possibly offer these money-saving discounts include:

Check with each company what discounts are available to you. Discounts may not apply everywhere.

Complexity of Ford Mustang insurance rates

Consumers need to have an understanding of the different types of things that help determine the rates you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with better auto insurance rates.

  • Careful drivers pay lower rates – Whether or not you get tickets has a big impact on rates. Good drivers get better rates compared to drivers with tickets. Just one ticket can increase rates by twenty percent. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • A lapse in coverage is a bad thing – Allowing your auto insurance policy to lapse is a guaranteed way to increase your auto insurance rates. And not only will your rates increase, getting caught without coverage can result in a steep fine or even jail time.
  • Women pay lower rates – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Both sexes tend to get into accidents at a similar rate, but the men have costlier accidents. Men also statistically have more aggressive citations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
  • Lower rates come with age – Teen drivers are known to get distracted easily behind the wheel so auto insurance rates are higher. Having to add a teenage driver to your auto insurance policy can break the bank. Older drivers are more responsible, tend to file fewer claims and receive fewer citations.
  • Pleasure use or commuting – The more you drive in a year the higher your rate. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate than those used for commuting. Make sure your auto insurance policy properly reflects the correct driver usage, because it can save money. If your policy improperly rates your Mustang may be costing you.
  • Better credit scores mean better rates – Your credit score is a big factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with lower ratings. So if your credit rating is low, you could be paying less to insure your 1991 Ford Mustang by improving your credit score.
  • Low deductibles can be expensive – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Examples of covered claims could be collision with another vehicle, damage from fire, and rolling your vehicle. Physical damage deductibles are how much you are required to spend if you file a covered claim. The more expense you’re willing to pay, the less your auto insurance will be on Mustang coverage.

When should I talk to an agent?

When choosing proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • What is PIP insurance?
  • Is pleasure use cheaper than using my 1991 Ford Mustang to commute?
  • What is the ISO rating for a 1991 Ford Mustang?
  • Which companies will insure high-risk drivers?
  • Is my state a no-fault state?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

Car insurance coverage breakdown

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like doctor visits, hospital visits, ambulance fees, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive car insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, damage from flooding, a broken windshield and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Coverage for liability

This coverage will cover damage or injury you incur to other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like structural damage, loss of income, emergency aid and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers 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 a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

The best insurance company isn’t always the cheapest

Insureds switch companies for a number of reasons such as denial of a claim, high prices, not issuing a premium refund or delays in paying claims. Regardless of your reason for switching companies, switching companies can be less work than you think.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at the best price.

Affordable 1991 Ford Mustang insurance can be bought from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

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