Cheapest Scottsdale Ford Mustang Insurance

A study showed that a large majority of drivers have purchased from the same company for well over three years, and approximately 38% of consumers have never compared rate quotes at all. The average driver in Arizona could save 50% every year, but they just don’t want to shop around.

If you want to save money, the best way to find discount auto insurance rates is to begin comparing prices regularly from insurers who provide auto insurance in Scottsdale.

First, spend a few minutes and learn about how insurance companies determine prices and the factors you can control to prevent rate increases. Many risk factors that cause rate increases like speeding and a less-than-favorable credit score can be eliminated by being financially responsible and driving safely. This article gives information to lower rates and get bigger discounts.

Second, compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agencies can quote rates for a wide range of insurance providers. View a list of agents

Third, compare the price quotes to the price on your current policy to see if you can save by switching companies. If you find a better price and decide to switch, make sure there is no coverage gap between policies.

Fourth, provide written notification to your current company of your intent to cancel your current car insurance policy and submit any necessary down payment along with the completed application to the new company. Make sure you store the certificate of insurance along with the vehicle’s registration papers.

A key point to remember is that you use the same level of coverage on each quote request and and to analyze all possible companies. This provides an accurate price comparison and the best price quote selection.

The method we recommend to compare insurance rates from multiple companies is to realize most of the larger companies will pay a fee to give rate comparisons. The one thing you need to do is provide the companies a bit of rating information such as deductibles desired, if it has an anti-theft system, whether you have decent credit, and marital status. Your information is then sent to insurance carriers in your area and you should receive rate quotes instantly to find the best rate.

To find the cheapest Ford Mustang insurance rates, click here and enter your zip code.

The companies in the list below have been selected to offer price quotes in Arizona. If you want the best cheap auto insurance in Scottsdale, AZ, we recommend you compare several of them to find the lowest car insurance rates.

Auto insurance is not optional

Even though it’s not necessarily cheap to insure a Ford in Scottsdale, maintaining insurance is a good idea for several reasons.

• Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability insurance in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Ford Mustang has a lienholder, almost all lenders will make it mandatory that you carry insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Ford for a much higher rate and make you pay a much higher amount than you were paying before.
• Insurance protects both your vehicle and your personal assets. Insurance will pay for most medical and hospital costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of having insurance greatly outweigh the cost, specifically if you ever have a liability claim. But the average American driver is overpaying more than $800 each year so compare rate quotes every year to make sure the price is not too high.

Rates and statistics

The premium table below covers different insurance coverage prices for Ford Mustang models. Having a better idea how insurance premiums are determined can help drivers make smart policy decisions.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Information does not factor in specific location which can revise auto insurance rates significantly.

Can higher deductibles save money?

One of the more difficult decisions when buying insurance is where should you set your physical damage deductibles. The rates shown below lay out the cost difference when you choose different policy deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium amounts do not factor in your specific Scottsdale location which can raise or lower price quotes greatly.

Based on the data above, we can derive that using a $250 deductible costs approximately $28 more each month or $336 a year than buying the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 27 months between claims, you would save more money if you elect the higher deductible. Below is an example of how this calculation is made.

An important sidenote is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you file a claim. You should have enough disposable income in the event you need to pay the higher deductible.

Insurance rates by age and gender

The information below compares Ford Mustang car insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, full coverage, $250 deductibles, single status, and no discounts are taken into consideration.

Auto insurance discounts help lower rates for Ford Mustang insurance in Scottsdale

Car insurance can cost a lot, but discounts can save money and there are some available that many consumers don’t even know exist. Certain reductions will be credited when you complete an application, but a few must be specifically requested before being credited. If you check and find you aren’t receiving every discount you deserve, you could be getting lower rates.

• Telematics Devices – Scottsdale drivers who agree to allow companies to scrutinize driving patterns by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
• Multi-Vehicle Discounts – Insuring more than one vehicle on one policy qualifies for this discount.
• No Claims – Scottsdale drivers who stay claim-free can save substantially in comparison with frequent claim filers.
• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
• Discount for Home Ownership – Being a homeowner can help you save on auto insurance because maintaining a house requires a higher level of personal finance.
• Switch and Save Discount – Some auto insurance companies reward drivers for buying a new policy before your current Mustang insurance policy expires. You could save around 10% when you buy Scottsdale car insurance online.
• Bundled Policy Discount – If you can combine your homeowners and auto policy with the same company you could get a discount of as much as 10 to 15 percent.

Policy discounts save money, but some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, that’s just not realistic.

The illustration below shows the difference between Ford Mustang insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, homeowner, multi-policy, and safe-driver discounts applied.

Companies and their offered discounts are shown below.

• Progressive includes discounts for continuous coverage, homeowner, online signing, online quote discount, and good student.
• The Hartford has discounts for good student, bundle, vehicle fuel type, defensive driver, air bag, and driver training.
• Mercury Insurance offers premium reductions for good student, age of vehicle, multi-policy, professional/association, multi-car, and good driver.
• GEICO discounts include daytime running lights, anti-theft, membership and employees, federal employee, good student, military active duty, and driver training.
• AAA has savings for multi-car, AAA membership discount, multi-policy, good student, pay-in-full, education and occupation, and good driver.
• State Farm may offer discounts for multiple policy, student away at school, Steer Clear safe driver discount, safe vehicle, anti-theft, Drive Safe & Save, and good student.

Check with every company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policies in Scottsdale. For a list of insurance companies with significant discounts in Arizona, click here to view.