Affordable Insurance for a Ford Mustang in Irvine

It’s astonishing, but nearly 70% of customers renewed their policy with the same company for a minimum of four years, and nearly 40% of drivers have never compared rates with other companies. Irvine consumers could save approximately 35% each year just by shopping around, but they just assume it’s a time-consuming process to find cheap insurance by shopping around.

The best way we recommend to quote cheaper Ford Mustang insurance in Irvine is to regularly compare quotes from different companies who sell auto insurance in California.

First, try to understand what is in your policy and the steps you can take to keep rates down. Many policy risk factors that cause rate increases like getting speeding tickets and your credit history can be eliminated by being financially responsible and driving safely. Later in this article we will cover more information to get cheaper coverage and get discounts that may be available to you.

Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple sources.

Third, compare the new rate quotes to your existing policy to see if a cheaper rate is available in Irvine. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.

An essential thing to point out is to use identical deductibles and limits on each quote and and to get rate quotes from all possible companies. Doing this enables the most accurate price comparison and a better comparison of the market.

If you have a current car insurance policy, you will surely be able to lower your rates using the following tips. Our goal is to help you learn the most effective ways to compare rates and also save some money in the process But California drivers do need to know the way insurance companies market on the web and apply this information to your search.

Companies offering Ford Mustang insurance in California

The car insurance companies shown below can provide price quotes in California. To get cheap auto insurance in California, it’s highly recommended you get price quotes from several of them to get the best price comparison.

Ford Mustang coverage statistics

The rate table displayed next highlights detailed analysis of insurance costs for Ford Mustang models. Learning how policy rates are calculated can help customers make informed decisions when shopping around for a new policy.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in garaging location in Irvine which can alter prices considerably.

Rate comparison for different deductibles

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The comparisons below may help you to understand the differences in premium rates of buying low and high physical damage coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in Irvine location which can affect coverage prices greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $22 more each month or $264 for a full year than buying the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 11 months between claims, you would save money if you decide on a higher deductible.

Smart Buyers Can Reduce Their Insurance Premiums

Lots of factors are used in the calculation when quoting car insurance. Most are fairly basic like your driving record, although some other factors are less apparent such as whether you are married or your commute time. One of the most helpful ways to save on car insurance is to to have a grasp of the factors that aid in calculating the level of your policy premiums. If you understand what determines base rates, this empowers consumers to make smart changes that can help you get lower car insurance prices.

• Bundle policies with the same company – Many insurers apply discounts to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount applied, you still need to compare other Irvine Mustang insurance rates to guarantee you are still saving the most.

• Careless driving leads to higher prices – How you drive impacts your car insurance rates tremendously. Drivers with clean records get better prices as compared to careless drivers. Just one ticket may increase your cost twenty percent or more. Drivers with flagrant violations like reckless driving, hit and run or driving under the influence may find that they have to to complete a SR-22 with their state DMV in order to prevent their license from being revoked.

  The example below shows how traffic citations and at-fault fender-benders influence Ford Mustang car insurance rates for each different age category. The information is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

• Lower rates for cars with good safety ratings – Safe vehicles are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If the Ford Mustang earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.

• Male rates may be higher – Statistics demonstrate that females take fewer risks when driving. However, don’t assume that females are better at driving than males. They both tend to get into accidents at a similar rate, but the males tend to have higher claims. Men also statistically get more serious tickets like DUI and reckless driving. Males from age 16 to 21 are the most expensive to insure so they pay the highest premiums.

  The diagram below compares Ford Mustang annual premium costs for male and female drivers. The data is based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.

• Extra policy coverages that aren’t used – Insurance companies have many extra coverages that can add up if you aren’t diligent. Things like rental car coverage, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. You may think they are a good idea when you first buy your policy, but now you might not need them so think about removing them and cutting costs.
• Lower physical damage deductibles cost more – Deductibles for physical damage represent how much money you are willing to pay before a claim is paid by your company. Insurance for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Some coverage claims could be rear-ending another vehicle, fire damage, and damage from wind. The more of the claim you are required to pay out-of-pocket, the less your company will charge you for insurance.

• Ford Mustang insurance loss probability – Car insurance companies use past loss statistics for each vehicle when they file their rates in each state. Models that the data shows to have a trend towards higher claims will be charged more to insure. The next table shows the historical insurance loss data for Ford Mustang vehicles.

  For each coverage category, the claim amount for all vehicles, regardless of make, model or trim level, equals 100. Values that are below 100 indicate better than average losses, while values over 100 point to more losses or an increased chance of larger losses than average.

  
  

  Ford Mustang Insurance Claim Statistics

  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

  BETTER

  AVERAGE

  WORSE

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

Get cheaper Ford Mustang insurance in Irvine with discounts

The price of auto insurance can be rather high, but there could be significant discounts to help bring down the price. Some trigger automatically at the time of quoting, but some may not be applied and must be inquired about before they will apply. If you check and find you aren’t receiving every discount possible, you’re paying more than you need to.

• Save with More Vehicles Insured – Having multiple vehicles on one policy can get a discount for every vehicle.
• Student Discount for Driver Training – It’s a good idea to have your young drivers enroll in driver’s education if it’s offered in school.
• Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• E-sign Discounts – Some of the larger companies will give you a small discount for buying a policy and signing up on the internet.
• Data Collection Discounts – Irvine drivers who agree to allow their insurance company to spy on vehicle usage by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may see discounts if they show good driving skills.
• Lower Rates for Military – Being on active deployment in the military could qualify you for better premium rates.
• Defensive Driver Discounts – Completing a safe driver class is a good idea and can lower rates and make you a better driver.

As is typical with insurance, many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. Just because you may think it’s possible to get free car insurance, you’re out of luck.

The diagram below illustrates the comparison of Ford Mustang premium costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, safe-driver, and multi-policy discounts applied.

A few popular companies and some of the discounts include:

• GEICO has discounts for military active duty, multi-policy, daytime running lights, air bags, driver training, and good student.
• MetLife has savings for accident-free, defensive driver, multi-policy, claim-free, good student, and good driver.
• Progressive offers discounts for homeowner, multi-policy, multi-vehicle, continuous coverage, online quote discount, and good student.
• Travelers includes discounts for IntelliDrive, multi-policy, driver training, payment discounts, home ownership, and continuous insurance.
• SAFECO offers discounts including drive less, teen safety rewards, bundle discounts, anti-theft, accident prevention training, anti-lock brakes, and teen safe driver.
• AAA policyholders can earn discounts including good student, education and occupation, good driver, AAA membership discount, pay-in-full, and anti-theft.

Before buying, ask all companies you are considering to give you their best rates. Some discounts might not be offered on policies in Irvine.

When do I need to talk to an agent?

A small number of people still prefer to get advice from a local agent and that is a personal choice. A good thing about comparing auto insurance online is that you can find cheaper car insurance rates but also keep your business local.

Once you complete this form (opens in new window), your coverage information gets sent to agents in your area that provide free Irvine auto insurance quotes for your coverage. It’s much easier because you don’t need to find an agent on your own due to the fact that quote results will go directly to your email. It’s the lowest rates and a licensed agent to talk to. If you wish to get a price quote from a specific insurance company, just navigate to their website and fill out the quote form the provide.

Finding the right insurance company requires more thought than just a cheap price. Here are some questions to ask:

• What insurance company do they write the most business with?
• Are claim adjusters local or do you have to take your car somewhere else?
• If your car is totaled, how to they determine the replacement cost?
• Is the agent properly licensed in California?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Insurance agent types

If you’re trying to find a reliable insurance agent, it can be helpful to understand the different agency structures and how they operate. Agencies in Irvine are classified as either exclusive or independent.

Exclusive Auto Insurance Agencies

These agents can only provide pricing for a single company such as AAA, Allstate, and State Farm. Exclusive agencies are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are very knowledgeable in insurance sales and that allows them to sell at a higher price point. Some insured continue to use the same exclusive agent mainly due to the prominent brand name rather than low rates.

The following is a short list of exclusive insurance agents in Irvine that can give you price quote information.

• Chris Barr – State Farm Insurance Agent
  17802 Irvine Blvd a121 – Tustin, CA 92780 – (714) 544-2558 – View Map
• Farmers Insurance
  4000 Barranca Pkwy # 250 – Irvine, CA 92604 – (949) 262-3238 – View Map
• Rebecca Higgs – State Farm Insurance Agent
  5410 Trabuco Rd #100 – Irvine, CA 92620 – (949) 726-9015 – View Map

More insurance agents

Independent Insurance Agents

These type of agents are not required to write business for one company so they can quote policies through lots of different companies and possibly get better coverage at lower prices. If they quote lower rates, they can switch companies in-house and the insured can keep the same agent.

If you are comparing rate quotes, it’s a good idea to check rates from a few independent agents for maximum quote selection. A lot of them also have access to companies that do not advertise much which could offer lower prices.

Shown below are Irvine independent agencies that are able to give comparison quotes.

• California Agency Insurance
  17632 Irvine Blvd # 235 – Tustin, CA 92780 – (714) 731-8300 – View Map
• Wozencraft Insurance Agency
  17321 Irvine Blvd #201 – Tustin, CA 92780 – (714) 263-2626 – View Map
• Professional Choice Insurance
  2151 Michelson Dr Suite 250 – Irvine, CA 92612 – (714) 467-8726 – View Map

More insurance agents

Find affordable insurance prices by comparing often

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. In many cases, an insured cut physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your aim should be to get the best coverage possible for the lowest price and still be able to protect your assets.

Lower-priced Ford Mustang insurance in Irvine can be found from both online companies and with local Irvine insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not provide rates over the internet and most of the time these smaller companies only sell coverage through independent agents.

People who switch companies do it for a variety of reasons including denial of a claim, being labeled a high risk driver, delays in responding to claim requests and high prices. It doesn’t matter why you want to switch switching insurance companies is pretty easy and you might even save some money in the process.

Other learning opportunities

• Five Mistakes to Avoid (Insurance Information Institute)
• Who Has the Cheapest Irvine Car Insurance for Young Drivers? (FAQ)
• Who Has Affordable Irvine Auto Insurance Rates for State Employees? (FAQ)
• Who Has Affordable Auto Insurance Rates for Uninsured Drivers in Irvine? (FAQ)
• Event Data Recorders FAQ (iihs.org)
• How to shop for a safer car (Insurance Institute for Highway Safety)