Proven Strategies to Getting the Absolute Lowest Ford Mustang Insurance Rates

Consumers have many options when looking for the lowest priced Ford Mustang insurance. They can either spend hours calling around trying to get quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to shop for car insurance so you’re going to learn the proper way to quote coverages for a new or used Ford and obtain the lowest price.

Smart consumers take time to get comparison quotes on a regular basis since insurance rates change regularly. Just because you had the best deal for Mustang insurance two years ago you will most likely find a better rate today. Forget all the misinformation about car insurance because you’re about to learn the only way to lower your rates without sacrificing coverage.

Which Car Insurance is Cheapest?

There are multiple methods to compare car insurance quotes, but some are more efficient than others. You could waste time talking about coverages with agents in your area, or you could save time and use the internet to get pricing more quickly.

Most major companies participate in an industry program that allows shoppers to submit their information once, and every company returns a rated price based on the submitted data. This eliminates the need for quotation requests to each company.

To participate in this free quote system, click to open in new window.

The one downside to doing it this way is that consumers can’t choose the providers you want to price. If you prefer to choose from a list of companies to compare, we have a listing of companies who write car insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make sure you use exactly the same quote information for each comparison quote. If your comparisons have different limits and deductibles on each one you will not be able to determine which rate is truly the best.

When should I use an insurance agent?

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if you would benefit from an agent’s advice.

• Do I need roadside assistance coverage?
• When would I need rental car insurance?
• Can my teen driver be rated on a liability-only vehicle?
• How can I get high-risk coverage after a DUI?
• Do I need added coverage for expensive stereo equipment?
• Will my rates increase for filing one claim?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Car Insurance through a local agent

Some consumers would prefer to buy from a local agent and that is a personal choice. Agents are trained to spot inefficiencies and help in the event of a claim. The best thing about getting online price quotes is you can get the best rates and still have an agent to talk to.

To find an agent, once you fill out this form (opens in new window), the coverage information is sent to agents in your area who will compete for your coverage. You don’t have to leave your house as quotes are delivered to your email. How’s that for easy!

Deciding on an provider shouldn’t rely on just the price. These are valid questions to ask:

• Do they receive special compensation for putting your coverage with one company over another?
• Who are their largest clients?
• What are the financial ratings for the companies they represent?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Do they carry Errors and Omissions coverage?

Multiple types of insurance agencies

When searching for an insurance agent, you need to know there are two different agency structures to choose from. agents are categorized either independent (non-captive) or captive. Either one can write coverage properly, but it’s good to learn the differences because it can impact buying decisions.

Captive Agents

This type of agents work for only one company and some examples include State Farm, Allstate and AAA. These agents are not able to give you multiple price quotes so they have to upsell other benefits. Captive agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers frequently choose to use a captive agent partially due to loyalty to the company and the convenience of having a single billing for all their coverages.

Independent Insurance Agents

Independent agents do not work for one specific company but instead can place your coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparing rates, you should always include price quotes from at least one independent agent to ensure the widest selection of prices.Most can insure with smaller companies which can be an advantage.

For a complete listing of car insurance agents, visit this site.

After getting positive feedback to all your questions and a low price estimate, chances are good that you have found an insurance agency that will properly insure your vehicles.