Affordable Quotes for Ford Mustang Insurance in Chula Vista

Insurance rates Ford Mustang in Chula VistaThe easiest way to find cheaper Ford Mustang insurance is to start comparing rates regularly from providers who provide auto insurance in Chula Vista. This can be done by completing these steps.

  1. Get an understanding of how insurance works and the things you can change to keep rates low. Many risk factors that are responsible for high rates such as at-fault accidents, speeding tickets, and a low credit score can be rectified by improving your driving habits or financial responsibility. Continue reading for more ideas to get cheaper rates and find discounts that may have been missed.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while independent agents can quote prices for a wide range of insurance providers.
  3. Compare the new rate quotes to your existing coverage to see if a cheaper price is available. If you can save money and decide to switch, make sure coverage does not lapse between policies.

A good tip to remember is to use similar coverage information on every quote request and and to get prices from as many different insurance providers as possible. Doing this guarantees a fair price comparison and a good representation of prices.

Everyone knows that insurance companies don’t want you shop around. People who compare other prices are inclined to switch insurance companies because of the high probability of finding a lower-priced policy. A recent survey found that people who routinely compared rates saved over $865 a year compared to those who never shopped around.

If saving the most money on insurance in Chula Vista is why you’re here, understanding how to get free comparison quotes and analyze insurance premiums can help simplify the process.

When shopping for Ford Mustang insurance in Chula Vista there are multiple ways of comparing rates from insurance companies in your area. The simplest method to compare Ford Mustang insurance prices is simply to get online rate quotes.

Doing price comparisons online is so simple that it makes it a waste of time to make phone calls or go to insurance agencies in your area. The ability to get quotes online has made agencies unnecessary unless you require the professional guidance of a licensed agent. Although, it is possible find lower rates online but buy the policy through an agent.

Just remember that comparing a large number of companies increases the chance that you will find better pricing.

The providers in the list below can provide price quotes in California. If you want cheap car insurance in California, we suggest you get rate quotes from several of them to get the cheapest price.

Ford Mustang insurance coverage information

The coverage table displayed next outlines different insurance costs for Ford Mustang models. Having a good understanding how insurance prices are formulated can assist in making decisions when shopping around.

Ford Mustang Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $422 $996 $596 $36 $178 $2,228 $186
Mustang 2-Dr Coupe $422 $996 $746 $44 $224 $2,432 $203
Mustang GT 2-Dr Convertible $476 $1146 $596 $36 $178 $2,432 $203
Mustang GT 2-Dr Coupe $476 $1146 $746 $44 $224 $2,636 $220
Mustang Shelby GT500 2-Dr Convertible $530 $1446 $596 $36 $178 $2,786 $232
Mustang Shelby GT500 2-Dr Coupe $586 $1598 $746 $44 $224 $3,198 $267
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Table data does not factor in garaging location in Chula Vista which can lower or raise prices considerably.

Cost comparison with and without full coverage

The chart below illustrates the difference between Ford Mustang car insurance costs with full coverage compared to only the California minimum liability coverage. The premiums assume no accidents, no driving violations, $100 deductibles, drivers are single, and no discounts are factored in.

Are you wasting money on full coverage?

There is no specific rule that works best for making the decision to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Ford Mustang settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after paying your policy deductible. If premiums are more than $600 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Auto insurance does more than just protect your car

Despite the high cost, insuring your vehicle is not optional due to several reasons.

The benefits of having insurance definitely exceed the cost, particularly when you have a large claim. Unknowingly, the average driver is overpaying over $855 a year so shop around at every renewal to make sure the price is not too high.

The Ford Mustang Insurance Cost Equation

The best way to find cheaper car insurance is to take a look at the rating factors that help calculate your policy premiums. If you know what influences your rates, this enables you to make decisions that may result in lower car insurance prices. Lots of factors are used in the calculation when you quote your car insurance policy. Some are obvious like your driving record, but other criteria are not quite as obvious such as your credit history or your commute time.

Insurance premiums and vehicle performance – The performance of the car you are insuring makes a huge difference in determining your rates. The lowest premiums tend to be for lower cost passenger cars, but the cost you end up paying is determined by many additional factors.

The following chart is based on a married male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The data compares Ford Mustang rates compared to other models that have a range of risk factors.

Save money with good credit – Having a bad credit score factor in calculating your premium rate. People with high credit ratings tend to be less risk to insure than drivers with lower credit scores. If your credit rating is lower than you’d like, you could potentially save money when insuring your Ford Mustang by improving your credit score.

Certain vocations raise premiums – Do you work in a high-stress field? Occupational choices like military generals, air traffic controllers, and financial analysts generally have higher rates than the rest of us due to high stress levels and incredibly demanding work hours. Other careers like actors, historians and the unemployed generally pay rates lower than average.

Teenage drivers are expensive to insure – Teenage drivers in California have been known to be less responsible when behind the wheel and because of this, their car insurance rates are much higher. Parents adding a inexperienced driver onto a policy can be quite pricey. Mature drivers are more responsible, are lower risk to insure, and get fewer tickets.

The chart below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

Liability limits should be high – Liability insurance is the coverage that protects you if you are ruled to be at fault for personal injury or accident damage. It will provide legal defense starting from day one. It is affordable coverage when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

Safer vehicles save money – Vehicles that have high safety ratings tend to have lower insurance rates. These vehicles protect occupants better and fewer serious injuries translates into fewer and smaller insurance claims which can result in lower premiums. If your Ford has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

Do you really need roadside assistance? – Insurance policies have a lot of optional add-on coverages that you can get tricked into buying on your Mustang policy. Coverages for rental car coverage, accidental death, and motor club memberships are probably not needed. You may think they are a good idea when deciding what coverages you need, but now you might not need them so remove them from your policy.

Insurance loss data for Ford Mustang vehicles – Insurance companies use statistical claims data to help determine costs. Vehicles that the statistics show to have higher claim amounts or frequency will have higher rates. The table shown below demonstrates the loss history for Ford Mustang vehicles.

For each insurance policy coverage type, the claim amount for all vehicles, without regard to make or model, is set at 100. Numbers under 100 suggest a positive loss record, while values that are 100 or greater indicate frequent claims or a tendency for claims to be larger.

Insurance Loss Ratings for Ford Mustang Vehicles
Specific Ford Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Mustang 2dr 175 80 131 109 136 117
Ford Mustang GT 2dr 171 61 143 82

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Take policy discounts and save on Ford Mustang insurance in Chula Vista

Car insurance is not cheap, but you might find some hidden discounts that could help you make your next renewal payment. Certain discounts will be applied at the time of quoting, but less common discounts must be asked for before they will apply. If you are not receiving all the discounts you deserve, it’s possible you qualify for a lower rate.Cheaper insurance with discounts

You can save money using discounts, but many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, that’s just not realistic.

The information below visualizes the comparison of Ford Mustang insurance rates with and without some available policy discounts. The information is based on a male driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, multi-policy, safe-driver, and marriage discounts applied.

For a list of insurance companies who offer online Ford Mustang insurance quotes in Chula Vista, click this link.

Do I need an agent?

Some people would prefer to buy from a local agent and that can be a smart move The best thing about getting free rate quotes online is that you can find cheap auto insurance rates but still work with a licensed agent. And providing support for local insurance agents is especially important in Chula Vista.

Insurance agents in Chula VistaOnce you complete this form (opens in new window), the coverage information is transmitted to local insurance agents who can give free rate quotes for your auto insurance coverage. You won’t even need to leave your computer as quotes are delivered to your email. It’s the lowest rates and work with a local agent. If you want to get a rate quote from one company in particular, feel free to find their quoting web page and fill out their quote form.

If you need to find a local Chula Vista insurance agent, it can be helpful to understand the different types of agents and how they operate. Insurance agencies in Chula Vista are considered either independent agents or exclusive agents.

Independent Agents

Agents in the independent channel can sell policies from many different companies and that enables them to quote your coverage with a variety of different insurance companies and get the cheapest rates. If they find a cheaper price, your agent can switch companies and the insured can keep the same agent.

When comparison shopping, it’s recommended you contact several independent agencies to have the most options to choose from.

Below is a short list of independent agencies in Chula Vista that may be able to give pricing information.

Cordova Insurance Agency, Inc.
2260 Main St #8Chula Vista, CA 91911(619) 585-3470View Map

40 Third AveChula Vista, CA 91910(619) 427-2662View Map

Harlem Insurance
357 BroadwayChula Vista, CA 91910(619) 576-3250View Map

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Exclusive Agencies

Exclusive agents write business for a single company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. Exclusive insurance agents are trained well on their company’s products which aids in selling service over price.

Shown below is a list of exclusive insurance agents in Chula Vista that are able to give comparison quotes.

799 Third AveChula Vista, CA 91911(619) 426-0554View Map

386 E H St Suite 203Chula Vista, CA 91910(619) 264-1751View Map

826 Starboard StChula Vista, CA 91914(619) 656-5020View Map

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Picking a auto insurance agent shouldn’t rely on just a low price. You should also get answers to these questions.

Find affordable rates by being thorough

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped liability coverage limits and found out when filing a claim they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

Lower-priced insurance in Chula Vista is definitely available on the web as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not provide rates over the internet and usually these regional insurance providers only sell coverage through independent agents.

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