1997 Ford Mustang Car Insurance Quotes – 6 Tips for Cheaper Rates

Have you had enough of being strong-armed to buy car insurance? You’re in the same situation as the majority of other car owners.

There are many auto insurance companies to buy insurance from, and even though it’s nice to have a selection, it can be more challenging to compare rates.

Quick Auto Insurance Quotes

There are several ways to shop for Ford Mustang auto insurance, but there is one way that is easier and takes less work. You can waste hours talking to agents in your area, or you could use online quotes to achieve your goal.

Many companies participate in an industry program where prospective buyers send in one quote, and each participating company then gives them pricing based on that information. This system prevents you from having to do quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose which companies you will receive quotes from. So if you prefer to pick individual companies to compare prices, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but make sure you use identical quote information with each company. If you compare different deductibles you can’t possibly find the best deal for your Ford Mustang. Having just a slight variation in coverages can make a big difference in price. Just keep in mind that obtaining a wide range of quotes provides better odds of finding a lower rate.

Do you qualify for these six discounts?

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be inquired about prior to receiving the credit.

  • Student Driver Training – Have your child complete a driver education course in school.
  • Homeowners Discount – Simply owning a home can help you save on insurance because maintaining a house shows financial diligence.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Claim Free – Drivers who don’t have accidents pay much less when compared with drivers who are more careless.
  • Organization Discounts – Being a member of a qualifying organization may earn a discount on your policy for Mustang coverage.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off for Mustang coverage with certain companies.

Keep in mind that most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will cut the amount you have to pay.

Car insurance companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Discounts might not apply everywhere.

Don’t assume everyone needs the same coverage

When buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that These are some specific questions can help discover whether you will benefit from professional help.

  • Do I benefit by insuring my home with the same company?
  • Do I need replacement cost coverage?
  • Is my teenager covered with friends in the car?
  • Do I have coverage when using my vehicle for my home business?
  • When should I drop full coverage on my 1997 Ford Mustang?
  • Is rental equipment covered for theft or damage?
  • Is extra glass coverage worth it?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Beware of misleading car insurance ads

Companies like Allstate, Geico and Progressive continually stream ads on television and other media. All the ads have a common claim that you’ll save big after switching your policy. But how can every company make the same claim?

Insurance companies have a preferred profile for the right customer they prefer to insure. For example, a desirable insured might be profiled as between 25 and 40, has no driving citations, and drives newer vehicles. A driver who fits that profile receives the best rates and most likely will save a lot of money.

Potential customers who don’t qualify for the “perfect” profile will be charged higher prices which leads to business not being written. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. This is how companies can truthfully advertise the savings.

That is why you need to compare as many rates as you can. Because you never know the company that will provide you with the cheapest Ford Mustang insurance rates.

Coverage specifics

Having a good grasp of your policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive car insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, theft, hitting a deer, hitting a bird and a broken windshield. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This covers damage to your Mustang resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, sustaining damage from a pot hole, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses for prosthetic devices, X-ray expenses, chiropractic care, dental work and doctor visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability

This coverage will cover damages or injuries you inflict on people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical services and loss of income. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Quote often and quote early

In this article, we presented some good ideas how you can save on 1997 Ford Mustang insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

Affordable insurance is attainable both online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who don’t offer online price quotes and these small, regional companies work with independent agents.

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. There have been many cases where someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage at the best price, not the least amount of coverage.

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