Ford Mustang insurance image courtesy of QuoteInspector.com
How long has it been since you shopped around for lower-priced Ford Mustang insurance in San Diego? No normal person likes having to buy insurance, particularly when it costs too dang much.
It's hard to believe, but most consumers in California kept their policy with the same company for a minimum of four years, and 38% of customers have never compared insurance rates at all. Many drivers in the United States could save an average of $859 each year by just comparing rate quotes, but they mistakenly think it's difficult to compare rate quotes online. Many auto insurance companies vie for your insurance dollar, so it can be very hard to choose a provider and get the best coverage at the cheapest price on Ford Mustang insurance in San Diego.
You need to compare rates quite often because rates are variable and change quite frequently. Just because you had the best premium rates on Ford Mustang insurance in San Diego a year ago you may be paying too much now. Block out anything you think you know about insurance because you're going to get a crash course in how to use the internet to reduce your cost while increasing coverage.
Free San Diego Ford Mustang insurance quotes
The companies in the list below provide price quotes in San Diego, CA. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mustang 2-Dr Convertible | $204 | $418 | $450 | $26 | $134 | $1,232 | $103 |
| Mustang 2-Dr Coupe | $310 | $624 | $568 | $34 | $170 | $1,706 | $142 |
| Mustang GT 2-Dr Convertible | $270 | $616 | $464 | $28 | $138 | $1,516 | $126 |
| Mustang GT 2-Dr Coupe | $296 | $648 | $520 | $30 | $156 | $1,650 | $138 |
| Mustang Shelby GT500 2-Dr Convertible | $228 | $638 | $500 | $30 | $150 | $1,546 | $129 |
| Mustang Shelby GT500 2-Dr Coupe | $586 | $1598 | $746 | $44 | $224 | $3,198 | $267 |
| Get Your Own Custom Quote Go | |||||||
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 claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in zip code location which can influence premiums noticeably.
Choosing deductibles
The illustration below illustrates how your choice of deductibles and can influence Ford Mustang insurance rates for each different age category. The data assumes a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Ford Mustang insurance costs by age and gender
The example below visualizes the comparison of Ford Mustang annual premium costs for male and female drivers. The data assumes no accidents or driving violations, comp and collision included, $250 deductibles, drivers are single, and no additional discounts are factored in.
Insuring your Ford vehicle just makes sense
Despite the fact that car insurance is not cheap in San Diego, paying for car insurance may be mandatory for several reasons.
First, almost all states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability insurance coverage if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Mustang has a lien holder, most lenders will stipulate that you have insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank or lender will purchase a policy for your Ford for a much higher rate and force you to pay the higher price.
Third, insurance protects both your car and your assets. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying enough insurance definitely exceed the price paid, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying more than $850 per year so compare rate quotes every year to ensure rates are inline.
Cheap San Diego auto insurance rates with discounts
Companies offering auto insurance don't always publicize all their discounts in a way that's easy to find, so here is a list some of the best known and also the more inconspicuous credits that you can use to lower your rates.
- Safety Restraint Discount - Requiring all passengers to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
- Multi-policy Discount - When you combine your auto and home insurance and place coverage with the same company you may earn up to 20% and get you cheap Mustang insurance.
- Own a Home - Just being a homeowner may trigger a policy discount on auto insurance because maintaining a house demonstrates responsibility.
- Pay Now and Pay Less - By paying your entire bill at once as opposed to paying monthly you can avoid monthly service charges.
- Low Mileage - Low annual miles could qualify for lower prices due to less chance of an accident.
- Defensive Driving Course - Completing a course teaching defensive driving skills may get you a small discount and make you a better driver.
- Discounts for New Vehicles - Buying a new car model can be considerably cheaper because newer models have to meet stringent safety requirements.
- E-sign - Some auto insurance companies provide a small discount shop San Diego car insurance on your computer.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. If you do the math and it seems like it's possible to get free car insurance, that's just not realistic.
If you would like to choose from a list of insurance companies that offer many of these discounts in California, follow this link.
When to get advice from an insurance agent
A lot of people just want to have an agent's advice and that is just fine! Insurance agents are trained risk managers and help submit paperwork. The best thing about comparing insurance prices online is the fact that you can find cheap insurance quotes and also buy local. Buying from neighborhood agents is especially important in San Diego.
To find an agent, once you fill out this quick form, your information is submitted to agents in your area who will gladly provide quotes for your insurance coverage. You never need to visit any agencies since price quotes are sent instantly to you. If you wish to compare prices from a specific company, don't hesitate to visit that company's website and complete a quote there.
Pick the best auto insurance agent in San Diego for you
If you want a local insurance agency, it's helpful to know the different types of agencies that you can choose from. Insurance agencies can be categorized as either exclusive or independent (non-exclusive). Both types can sell and service insurance coverage, but it's a good idea to understand the difference between them since it could factor into your selection of an agent.
Independent Insurance Agents
Agents that elect to be independent are not locked into one company so they have the ability to put coverage with a variety of different insurance companies and help determine which has the cheapest rates. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When comparing rates, we recommend you get insurance quotes from several independent insurance agents to maximize your price options.
Listed below is a partial list of independent insurance agents in San Diego that may be able to provide comparison quotes.
Curtis Moring Insurance Agency Inc.
5425 Oberlin Dr #201 - San Diego, CA 92121 - (619) 718-7578 - View Map
Stanley Wong Insurance
4619 Convoy St # C - San Diego, CA 92111 - (858) 569-0383 - View Map
Nickie Heath Insurance Agency
16855 W Bernardo Dr # 230 - San Diego, CA 92127 - (858) 487-3737 - View Map
Exclusive Agents
Agents in the exclusive channel write business for a single company such as American Family, State Farm, and Allstate. Exclusive agents cannot shop your coverage around so it's a take it or leave it situation. They are trained well on their company's products which helps them compete with independent agents.
Below is a list of exclusive agents in San Diego that are able to give rate quotes.
Rob Robinson - State Farm Insurance Agent
9939 Hibert St #203 - San Diego, CA 92131 - (619) 275-6000 - View Map
Mike Morrell - State Farm Insurance Agent
2207 Garnet Ave a - San Diego, CA 92109 - (858) 273-3001 - View Map
Mike Moore - State Farm Insurance Agent
12880 Rancho Penasquitos Blvd d - San Diego, CA 92129 - (858) 484-1297 - View Map
Finding a good auto insurance agent should depend on more than just a cheap price quote. Any good agent in San Diego should know the answers to these questions.
- When do they do a full risk review?
- Do they regularly work with personal auto policies in San Diego?
- What is the agency's Better Business Bureau rating?
- Do they get extra compensation for selling add-on coverages?
- Is working in the agency their full-time job?
- Where would glass claims be handled in San Diego?
Quote more to save more
When buying insurance coverage, don't be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.
We covered many ideas to reduce Ford Mustang insurance prices online in San Diego. It's most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from an unexpected company. Regional companies may often insure only within specific states and give better rates than their larger competitors like GEICO and State Farm.
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