View 1999 Ford Mustang Insurance Cost

Comparison shopping for car insurance can be a challenge for beginners to comparison shopping online. Drivers have so many options that it can be a challenge to locate the lowest price.

The purpose of this article is to help educate you on how car insurance quotes work and some tips to save money. If you have car insurance now, you stand a good chance to be able to save some money using this information. Although consumers need to learn the methods companies use to market on the web and use this information to your advantage.

Ford Mustang insurance rates can be determined by these details

Consumers need to have an understanding of the factors that help determine car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get big savings.

The following are a partial list of the pieces companies use to determine your rates.

  • Do men or women drive better? – Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. Women and men cause accidents at about the same rate, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
  • Save money with special equipment – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Your credit rating is important – A driver’s credit history is a important factor in calculating your car insurance rates. Therefore, if your credit rating is not that good, you could save money insuring your 1999 Ford Mustang by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • More people means more accidents – Living in small towns and rural areas has it’s advantages when buying car insurance. Drivers in populated areas have congested traffic and longer commutes to work. Lower population means fewer accidents and a lower car theft rate.
  • Rate your vehicle for proper use – The more you drive in a year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Vehicles that are left in the garage get more affordable rates than those used for commuting. Verify your car insurance policy is showing the correct driver usage. Incorrect usage on your Mustang can result in significantly higher rates.
  • Bump up deductibles to save – Your deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered would be colliding with a building, vandalism, or theft. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Mustang coverage.

How to Get Insurance

There are several ways of comparing rates from different insurance companies. The best way to find the lowest 1999 Ford Mustang rates is to get quotes online. This is very easy and can be done using a couple different methods.

  1. One of the best ways to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This form saves time by eliminating multiple quote forms to each individual insurance company. One simple form will get you rate comparisons from insurance companies with the best prices. Just one form and you’re done.
  2. A more difficult way to find lower rates requires you to visit each individual company website and fill out their own quote form. For sake of this example, we’ll assume you want comparison quotes from Farmers, Allstate and GEICO. You would have to visit each site and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

Whichever way you use, double check that you are using apples-to-apples deductibles and coverage limits with every price quote. If you compare higher or lower deductibles it will be very difficult to determine the lowest rate for your Ford Mustang. Slightly different coverage limits can result in a big premium difference. And when quoting insurance, remember that obtaining a wide range of quotes gives you a better chance of getting a lower rate.

Cut your insurance rates with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply at the time of purchase, but less common discounts must be manually applied prior to receiving the credit.

  • Distant Student – Any of your kids who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • New Car Discount – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Safe Driver Discount – Safe drivers may save up to 50% more on Mustang coverage than their less cautious counterparts.
  • Homeowners Discount – Owning a home may earn you a small savings because owning a home is proof that your finances are in order.
  • Student Driver Training – Have your child enroll in driver’s education in school.
  • Accident Waiver – Certain companies permit an accident before your rates go up if your claims history is clear for a set time period.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free insurance policy, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

Companies that may offer these money-saving discounts include:

Before buying, ask each company what discounts are available to you. Savings might not apply in your state.

You are unique and your insurance coverage should be too

When choosing the best insurance coverage coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether your personal situation would benefit from professional advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Is a fancy paint job covered?
  • Can my babysitter drive my car?
  • What if I don’t agree with a claim settlement offer?
  • Do I pay less if my vehicle is kept in my garage?
  • What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form.

The coverage is in the details

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and damage from getting keyed. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Collision coverage

Collision coverage pays for damage to your Mustang caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, driving through your garage door, sideswiping another vehicle, crashing into a building and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This provides 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 many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, pain medications, hospital visits and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Affordable insurance is out there

We covered a lot of techniques to get a better price on 1999 Ford Mustang insurance. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the most savings is with the least-expected company.

Consumers switch companies for a variety of reasons including not issuing a premium refund, delays in paying claims, lack of trust in their agent and even an unsatisfactory settlement offer. Regardless of your reason, switching companies is not as difficult as it may seem.

Cheaper insurance is possible online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer online price quotes and most of the time these smaller companies sell through independent agents.

Much more information about auto insurance is available on the following sites: