Save on 2017 Ford Shelby GT350 Car Insurance Quotes

Are you tired of not being able to scrape enough together to keep your car insured? You are no different than the majority of other vehicle owners.

You have so many insurers to pick from, and though it is a good thing to have a choice, it can be more difficult to adequately compare rates.

Cheapest car insurance quotes

The are a couple different ways to compare rate quotes from local car insurance companies. The best way to lower the rate you pay for 2017 Ford Shelby GT350 insurance consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

  1. The fastest way to get quotes is a comparison rater form like this one (opens in new window). This quick form prevents you from having to do repetitive form entry for every company. One form gets coverage cost estimates from car insurance companies with the best prices.
  2. A slightly less efficient method to analyze rates requires you to visit the website for every company you want to comare and go through the quote process again. For example, we’ll pretend you want to compare State Farm, Geico and Liberty Mutual. In order to get each rate, you would have to go to each individual site and repeatedly type in your coverage information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make sure you are using apples-to-apples coverage data for each comparison quote. If you have mixed coverages it’s not possible to determine the lowest rate for your Ford Shelby GT350. Just slight variations in limits can mean a large discrepancy in price. It’s important to know that having more price comparisons helps you find lower pricing.

But they said I’d save $446 a year!

Car insurance companies such as Allstate and Progressive consistently run television, radio, and online ads. They all say the same thing that you’ll save big if you move your coverage. But how can every company give you a better price? You have to listen carefully.

Companies are able to cherry pick for the type of driver that makes them money. For example, this type of insured might be described as over age 30, has no claims, and insures a new vehicle. Any driver that hits that “sweet spot” will probably get the lowest prices and will also save some money.

Potential insureds who don’t meet this ideal profile will see a more expensive rate and the customer buying from a different company. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” can save as much as they claim. That is how companies can truthfully advertise the way they do. Different companies use different criteria so it’s extremely important to get as many free car insurance quotes as possible. It’s just too difficult to predict the company that will have the lowest rates.

Informed drivers know how to get insurance coverage cheaper

Multiple criteria are taken into consideration when pricing auto insurance. Some factors are common sense such as traffic violations, although some other factors are more transparent like where you live or how safe your car is.

  • Physical damage deductibles – Comprehensive and collision coverage deductibles are the amount of money you are willing to pay if a covered claim is submitted. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some coverage claims could be collision with another vehicle, damage from fire, and having a roll-over accident. The higher the amount you choose to pay out-of-pocket, the better rate you will receive on Shelby GT350 coverage.
  • Does your vocation raise your rates? – Careers such as lawyers, social workers and emergency personnel usually pay higher premium rates because of intense work situations and long work hours. On the flip side, careers such as actors, engineers and performers pay lower than average rates on Shelby GT350 coverage.
  • A good credit score can save money – An insured’s credit history can be a huge factor in determining premium rates. Insureds that have excellent credit tend to be better risks to insure than drivers who have poor credit scores. So if your credit rating can be improved, you may save money insuring your 2017 Ford Shelby GT350 by improving your rating.
  • Policy add-ons may be wasting money – There are a ton of optional add-on coverages that may not really be needed if you aren’t diligent. Things like personal injury protection, better glass coverage, and motor club memberships are probably not needed. You may think they are a good idea when talking to your agent, but your needs may have changed so think about removing them and cutting costs.
  • Insurance is expensive for teen drivers – Inexperience drivers are statistically proven to be inattentive and easily distracted when driving with friends so insurance coverage rates are higher. Parents adding a beginning driver onto your insurance coverage can really hurt. Older people are more cautious drivers, cost insurance companies less in claims and receive fewer citations.
  • Small frequent insurance coverage claims are not good – If you are the type of insured that files lots of claims don’t be surprised to see higher rates. Car insurance companies provide discounts to drivers who do not file claims often. Your insurance policy is designed for major claims that would cause financial hardship.

Discounts for cheaper insurance coverage rates

Car insurance companies don’t always publicize all possible discounts in an easy-to-find place, so the following list contains a few of the more common and also the lesser-known credits that you can use to lower your rates.

  • Low Mileage Discounts – Low annual miles can qualify you for lower premium rates due to less chance of an accident.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Life Insurance Discount – Companies who offer life insurance give lower premium rates if you buy some life insurance too.
  • Discounts for Multiple Vehicles – Having more than one vehicle with one company may reduce the rate for each vehicle.
  • Early Signing – Some larger companies reward drivers for signing up before your current coverage expires. It’s a savings of about 10%.

Remember that most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, you’re out of luck. But any discount will help lower your insurance coverage premiums.

To view providers with the best insurance coverage discounts, click here.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help highlight if you may require specific advice.

  • Which companies will insure high-risk drivers?
  • Am I covered by my spouse’s policy after a separation?
  • Do I have coverage if my license is suspended?
  • I have health insurance so do I need medical payments coverage?
  • Do all my vehicles need collision coverage?
  • How do I insure my teen driver?
  • Will filing a claim cost me more?
  • Who is covered when they drive my 2017 Ford Shelby GT350?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverages

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Shelby GT350.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

This pays for damage to your Shelby GT350 from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, a broken windshield, vandalism, damage from a tornado or hurricane and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage

This can cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as structural damage, loss of income and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for funeral costs, hospital visits, prosthetic devices and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Quote more. Save more.

We just presented some good ideas how you can shop for 2017 Ford Shelby GT350 insurance online. It’s most important to understand that the more you quote car insurance, the higher the chance of saving money. You may even find the lowest rates are with the smaller companies. These companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Progressive or Geico.

Discount 2017 Ford Shelby GT350 insurance can be bought from both online companies in addition to many insurance agents, so get free car insurance quotes from both of them in order to have the best price selection to choose from. Some companies don’t offer rates over the internet and many times these smaller providers prefer to sell through independent agencies.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost.

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