Best Ford Mustang Insurance in Santa Ana

Ford Mustang insurance image courtesy of QuoteInspector.com

Would you like to find the cheapest Ford Mustang insurance in Santa Ana? Wish you could get out of an under-performing, overpriced auto insurance policy? Believe me when I say there are a lot of people in Santa Ana just like you who feel imprisoned by their auto insurance policy.

It's a known fact that insurance companies want to keep you from shopping around. Insureds who shop around for the cheapest price will probably move their business because they have good chances of finding better rates. A recent auto insurance study discovered that people who regularly shopped around saved as much as $860 a year compared to people who never shopped around for better prices.

If finding the cheapest rates on Ford Mustang insurance in Santa Ana is your objective, then learning a little about how to compare car insurance can help you succeed in saving money. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate all claim big savings, bombarding you with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

Consumers should take time to compare rates periodically since insurance rates change regularly. Just because you found the lowest premium rates on Ford Mustang insurance in Santa Ana a year ago you will most likely find a better price today. Forget anything you know (or think you know) about auto insurance because you're about to learn one of the best ways to properly buy coverages while reducing your premium.

First Step: Get free Ford Mustang insurance quotes

Finding more affordable Santa Ana auto insurance rates can be surprisingly simple. You just have to spend a few minutes comparing price quotes to find out which insurance company has affordable Santa Ana car insurance quotes.

Online shopping is fast and free, and it takes the place of having to spend time driving to each insurance agency near you. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the professional abilities of an agent trained in personal lines coverage. It is possible with some companies obtain prices from the web and still use a local agent.

The providers in the list below are ready to provide free rate quotes in Santa Ana, CA. If the list has multiple companies, it's highly recommended you visit two to three different companies to get the best price comparison.

Lower rates by qualifying for discounts

Insurance is not inexpensive, but you might find some hidden discounts that you may not know about. Some discounts will apply when you complete an application, but some may not be applied and must be specially asked for in order for you to get them.

• Driver Safety - Successfully completing a defensive driver course could save 5% or more and make you a better driver.
• No Charge for an Accident - This one is not really a discount per se, but a few companies such as GEICO, State Farm, and Progressive may permit one accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
• Discounts for Safe Drivers - Insureds who avoid accidents could pay up to 40% less compared to accident prone drivers.
• Resident Student - Older children living away from Santa Ana attending college and don't have a car could get you a discount.
• Save with a New Car - Putting coverage on a new Mustang can get you a discount because newer vehicles are generally safer.
• Online Discount - Many companies give back up to $50 for buying your policy on the web.
• Life Insurance Discount - Larger insurance companies have better insurance rates if you take out a life policy as well.
• More Vehicles More Savings - Buying coverage for multiple vehicles on one policy qualifies for this discount.
• Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you can actually save on your bill.

One last thing about discounts, many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, that's just not realistic. But any discount will definitely lower the amount you have to pay.

The information below visualizes the comparison of Ford Mustang insurance prices with and without discounts. The premiums assume a male driver, no violations or claims, 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 safe-driver, multi-policy, multi-car, homeowner, marriage, and claim-free discounts applied.

The best insurance companies and the discounts they provide are outlined below.

• State Farm discounts include student away at school, passive restraint, driver's education, multiple policy, safe vehicle, accident-free, and Drive Safe & Save.
• GEICO offers discounts including emergency military deployment, multi-vehicle, good student, membership and employees, and driver training.
• Allstate has discounts for defensive driver, resident student, safe driver, premier plus, and utility vehicle.
• SAFECO may have discounts that include accident prevention training, safe driver, bundle discounts, drive less, and anti-lock brakes.
• Farm Bureau includes discounts for driver training, multi-vehicle, 55 and retired, youthful driver, renewal discount, multi-policy, and good student.
• Progressive offers premium reductions for online quote discount, multi-vehicle, homeowner, continuous coverage, and online signing.
• AAA may offer discounts for AAA membership discount, anti-theft, multi-car, good student, and good driver.

Before purchasing a policy, check with each insurance company which discounts they offer. Some of the discounts discussed earlier may not apply in your state. If you would like to see a list of providers that offer discounts in Santa Ana, click here.

Data for Ford Mustang insurance

The data table below highlights different prices for Ford Mustang models. Having insight into how policy rates are calculated can aid in making informed decisions when comparing rate quotes.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect coverage rates noticeably.

The chart below demonstrates how choosing different deductibles and can affect Ford Mustang premium costs for different age categories. The costs are based on a married female driver, full coverage, and no discounts are taken into consideration.

Drive safe and save

The information below demonstrates how traffic citations and at-fault claims drive up Ford Mustang insurance prices for different age groups. The rate quotes are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

Should I contact an insurance agency?

Some consumers just want to sit down and talk to an agent and that is a smart decision Good agents can help determine the best coverages and give you someone to call. One of the benefits of comparing rate quotes online is the fact that drivers can get cheaper rates and still have a local agent. Buying from and supporting local agents is especially important in Santa Ana.

Once you complete this simple form, your insurance coverage information is immediately sent to companies in Santa Ana who will return price quotes for your insurance coverage. You never need to contact any agents due to the fact that quote results will go directly to you. If you have a need to quote rates from one company in particular, just jump over to their website and submit a quote form there.

When looking for local Santa Ana agents, you must know there are a couple types of agencies and how they can write your policy. Agents in Santa Ana can be categorized as either exclusive or independent agents depending on their company appointments. Both write policy coverage, but we need to point out how they are different because it can influence your agent selection.

Independent Agencies or Brokers

Independent agents are normally appointed by many insurers so they have the ability to put coverage with an assortment of companies enabling the ability to shop coverage around. If they quote lower rates, they simply move your policy to a different company and you don't have to find a new agent.

If you need cheaper insurance rates, you absolutely need to get quotes from at least one independent agent to have the most options to choose from.

Shown below is a small list of independent insurance agencies in Santa Ana that may be able to give price quote information.

View more Santa Ana agents

Exclusive Agencies

Agents that choose to be exclusive work for only one company and some examples include Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so they really need to provide good service. They are usually well trained on their products and sales techniques which helps overcome the inability to quote other rates.

Listed below are Santa Ana exclusive agencies who can help you get comparison quotes.

View more Santa Ana agents

Deciding on an car insurance agent requires more thought than just a low price. Here are some questions you should ask.

• How much can you save by raising your physical damage deductibles?
• Do they have a Better Business Bureau rating in Santa Ana?
• Is assistance available after office hours?
• Has the agent ever had any license suspensions?
• What discounts might you be missing?

How much insurance do I need?

When choosing insurance from an agent or online for your personal vehicles, there really isn't a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that could help you determine whether you could use an agent's help.

• Who sells insurance for high-risk drivers?
• Can I afford to pay high deductible claims out of pocket?
• Do I have coverage for damage caused while driving under the influence?
• Are there any extra discounts I can get?
• What is glass protection for?
• Is upholstery damage covered by car insurance?
• Do they offer discounts for home and auto coverage?

If you're not sure about those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and you can get the answers you need.

Four factors that impact insurance costs

Multiple criteria are part of the equation when premium rates are determined. Most are fairly basic like a motor vehicle report, but other criteria are less obvious such as whether you are married or how financially stable you are.

Listed below are most of the major factors utilized by car insurance companies to help set prices.

• Does your occupation cost you more? - Did you know your occupation can influence how much you pay for auto insurance? Occupations such as military personnel, police officers, and financial analysts generally have higher average rates because of intense work situations and lots of time spent away from family. On the flip side, careers like farmers, engineers and performers have the lowest average rates.
• Stay claim-free and lower prices - Companies in California give most affordable rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
• Your location is important - Being located in a rural area has it's advantages when shopping for auto insurance. City drivers have to deal with much more traffic and more severe claims. Fewer drivers on the road corresponds to lower accident rates in addition to lower liability claims.

• Cheaper to insure females? - Statistics demonstrate women tend to be less risk to insure than men. Now that doesn't mean females are better at driving than males. They both are in fender benders in similar percentages, but males cause more damage. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.

  The information below visualizes the comparison of Ford Mustang car insurance rates for male and female drivers. The data assumes no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

• Ford Mustang historical loss data - Insurers take into consideration historical loss data for every vehicle to calculate a price that offsets possible losses. Vehicles that are shown to have higher claim amounts or frequency will cost more for specific coverages. The information below illustrates the compiled insurance loss statistics for Ford Mustang vehicles.

  For each coverage type, the claim amount for all vehicles combined as an average is set at 100. Values below 100 suggest a positive loss record, while values that are above 100 indicate higher probability of having a loss or tendency to have larger claims.

  Ford Mustang Insurance Claim Statistics

  Make and 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

Three reasons to not skimp on insurance

Despite the high cost of buying insurance for a Ford Mustang in Santa Ana, insuring your vehicle may not be optional for several reasons.

• Almost all states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to get the vehicle licensed. 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.
• If you have a lien on your vehicle, most banks will stipulate that you have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank may insure your Ford at a significantly higher premium and require you to fork over for the much more expensive policy.
• Insurance protects your vehicle and your assets. It will also cover most medical and hospital costs incurred in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you cause an accident and are sued. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance more than offset the price you pay, particularly for liability claims. But the average American driver is overpaying more than $825 a year so it's very important to do a rate comparison at every policy renewal to ensure rates are inline.

Best auto insurance company in California

Buying coverage from the highest-rated auto insurance company can be difficult considering how many companies sell insurance in Santa Ana. The company ratings in the lists below can help you decide which insurers you want to consider comparing rates from.

Frequent quotes can save

Throughout this article, we presented a lot of techniques to find cheaper Ford Mustang insurance in Santa Ana. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may even discover the best price on car insurance is with a lesser-known regional company.

Insureds switch companies for many reasons like high prices, extreme rates for teen drivers, unfair underwriting practices or being labeled a high risk driver. Whatever your reason, choosing a new company is not as difficult as it may seem.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. Too many times, someone dropped liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage for the lowest price.

How to find cheaper quotes for Ford Mustang insurance in Santa Ana

It takes a little time, but the best way to find the cheapest price for Ford Mustang insurance in Santa Ana is to start comparing prices yearly from providers that sell auto insurance in California. Rates can be compared by following these guidelines.

1. Try to learn a little about car insurance and the measures you can control to keep rates low. Many factors that result in higher prices like at-fault accidents and a poor credit score can be improved by making small lifestyle or driving habit changes.
2. Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or Allstate, while independent agents can provide rate quotes for a wide range of insurance providers. Compare rates now
3. Compare the new quotes to your existing policy to see if cheaper Mustang coverage is available. If you find better rates and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

One thing to point out is that you use identical coverage information on every price quote and and to get prices from as many auto insurance providers as possible. This ensures an accurate price comparison and many rates to choose from.

More detailed car insurance information can be found at these sites:

• Things to Know Before you Cancel Insurance (Allstate)
• Who Has Affordable Auto Insurance for Ride Shares in Santa Ana? (FAQ)
• Who Has Cheap Santa Ana Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
• Who Has the Cheapest Santa Ana Car Insurance for Low Income Drivers? (FAQ)
• Who Has the Cheapest Auto Insurance for a Honda Civic in Santa Ana? (FAQ)
• Who Has the Cheapest Auto Insurance for a Honda Accord in Santa Ana? (FAQ)
• How Much are Santa Ana Car Insurance Quotes for a 20 Year Old Male? (FAQ)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• Information for Teen Drivers (GEICO)
• Vehicle Size and Weight FAQ (iihs.org)
• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)