Ford Mustang insurance image courtesy of QuoteInspector.com
It takes a few minutes, but the best way to get budget car insurance rates in Stockton is to do a yearly price comparison from companies in California.
Step 1: Get a basic knowledge of auto insurance and the modifications you can make to prevent expensive coverage. Many things that cause high rates like at-fault accidents and an imperfect credit history can be remedied by making minor driving habit or lifestyle changes. This article provides ideas to help prevent high rates and earn larger discounts.
Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from multiple companies.
Step 3: Compare the new rate quotes to the price on your current policy to see if cheaper Mustang coverage is available. If you find a better price, verify that coverage does not lapse between policies.
Step 4: Notify your company or agent to cancel your current coverage and submit a down payment along with a completed application to your new company or agent. Once coverage is bound, place your new certificate of insurance above your visor, in the console, or in the glove compartment.
The most important part of this process is to use identical deductibles and limits on each quote request and and to get price estimates from all possible companies. Doing this provides a level playing field and the most accurate and complete price analysis.
We don't have to tell you that car insurance companies don't want policyholders to compare prices from other companies. Insureds who shop around for the cheapest price will, in all likelihood, switch to a new company because of the good chance of getting low-cost coverage. Remarkably, a study showed that people who made a habit of comparing rate quotes saved $3,400 over four years compared to drivers who never shopped for cheaper rates.
If finding the cheapest rates on car insurance is your ultimate goal, then knowing the best way to compare insurance coverage can save time and make the process easier.
If you already have coverage or want to find a cheaper company, you can use these techniques to find better prices while maintaining coverages. Finding affordable insurance coverage in Stockton can be fairly easy. Vehicle owners just have to know the quickest way to compare rates online.
Verify you're applying every discount
Not many people think insurance is cheap, but there's a good chance there are discounts that you may not even know about. Certain credits will be shown at the time of quoting, but some need to be inquired about before you get the savings.
- Good Student - Maintaining excellent grades may save as much as 25% on a Stockton auto insurance quote. This discount can apply up to age 25.
- ABS Braking Discount - Cars and trucks with anti-lock braking systems are safer to drive and the ABS can save up to 10%.
- Responsible Drivers - Drivers without accidents may receive a discount up to 45% as compared to drivers with claims.
- Discount for Passive Restraints - Options like air bags can receive discounts of 20 to 30 percent.
- New Car Discount - Insuring a new Mustang can save up to 30% due to better safety requirements for new model year vehicles.
- Accident Forgiveness - Not necessarily a discount, but a few companies such as Progressive and Allstate will turn a blind eye to one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
- Discounts for Government Workers - Employees or retirees of the government could provide a small rate reduction depending on your car insurance provider.
- Discount for Home Ownership - Owning your own home or condo may trigger a policy discount on car insurance because it requires a higher level of personal finance.
- Onboard Data Collection - Drivers that enable data collection to look at vehicle usage by using a telematics device in their vehicle like Allstate's Drivewise could possibly reduce rates if they exhibit good driving behavior.
- Discount for Life Insurance - Larger companies have a break if you buy a life policy as well.
Please keep in mind that some credits don't apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think it's possible to get free car insurance, you're out of luck. But all discounts will positively reduce your policy premium.
The illustration below shows the difference between Ford Mustang auto insurance rates with and without discounts applied to the rates. The premiums are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, multi-car, claim-free, and marriage discounts applied.
A list of companies and a summarized list of policyholder discounts can be read below.
- Mercury Insurance may offer discounts for type of vehicle, annual mileage, good driver, accident-free, and location of vehicle.
- Farmers Insurance discounts include youthful driver, electronic funds transfer, business and professional, distant student, early shopping, and bundle discounts.
- Farm Bureau may include discounts for good student, multi-vehicle, youthful driver, renewal discount, driver training, multi-policy, and 55 and retired.
- State Farm includes discounts for safe vehicle, good driver, defensive driving training, multiple autos, Drive Safe & Save, passive restraint, and good student.
- Allstate offers discounts including 55 and retired, anti-lock brakes, economy car, senior citizen, early signing, premier plus, and multi-policy.
- GEICO has savings for federal employee, multi-policy, defensive driver, driver training, and military active duty.
When comparing rates, check with each company how many discounts you can get. Some credits may not be offered in every state. If you would like to choose from a list of providers that offer some of these discounts in Stockton, click here.
The easiest way to get rate comparisons for Ford Mustang insurance in Stockton is to know the trick most of the bigger providers have advanced systems to provide you with a free rate quote. All you need to do is provide a small amount of information such as your education level, if you're married, types of safety features, and how much you drive. Your details is submitted instantly to multiple different insurance companies and they respond with quotes quickly.
To start a quote now, click here and see if a lower rate is available in Stockton.
The car insurance companies shown below have been selected to offer comparison quotes in California. If multiple providers are shown, we suggest you get prices from several of them in order to get a fair rate comparison.
Rates and detailed analysis
The coverage information shown below showcases detailed analysis of insurance costs for Ford Mustang models. Having a better understanding of how policy premiums are calculated can help drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mustang 2-Dr Convertible | $272 | $628 | $534 | $32 | $160 | $1,626 | $136 |
| Mustang 2-Dr Coupe | $272 | $628 | $668 | $40 | $200 | $1,808 | $151 |
| Mustang GT 2-Dr Convertible | $306 | $724 | $534 | $32 | $160 | $1,756 | $146 |
| Mustang GT 2-Dr Coupe | $306 | $724 | $668 | $40 | $200 | $1,938 | $162 |
| Mustang Shelby GT500 2-Dr Convertible | $342 | $914 | $534 | $32 | $160 | $1,982 | $165 |
| Mustang Shelby GT500 2-Dr Coupe | $378 | $1010 | $668 | $40 | $200 | $2,296 | $191 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific garaging location which can influence insurance rates greatly.
Policy deductible comparison
The hardest decision when buying coverage is where to set your physical damage deductibles. The figures shown below outline the rate differences between low and high physical damage coverage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mustang 2-Dr Convertible | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| Mustang 2-Dr Coupe | $342 | $678 | $552 | $32 | $166 | $1,795 | $150 |
| Mustang GT 2-Dr Convertible | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| Mustang GT 2-Dr Coupe | $386 | $780 | $552 | $32 | $166 | $1,941 | $162 |
| Mustang Shelby GT500 2-Dr Convertible | $430 | $986 | $442 | $26 | $132 | $2,041 | $170 |
| Mustang Shelby GT500 2-Dr Coupe | $474 | $1088 | $552 | $32 | $166 | $2,337 | $195 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mustang 2-Dr Convertible | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Mustang 2-Dr Coupe | $210 | $426 | $552 | $32 | $166 | $1,386 | $116 |
| Mustang GT 2-Dr Convertible | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| Mustang GT 2-Dr Coupe | $238 | $490 | $552 | $32 | $166 | $1,478 | $123 |
| Mustang Shelby GT500 2-Dr Convertible | $266 | $620 | $442 | $26 | $132 | $1,486 | $124 |
| Mustang Shelby GT500 2-Dr Coupe | $292 | $684 | $552 | $32 | $166 | $1,726 | $144 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can alter price quotes greatly.
Using the data above, we can ascertain that using a $250 deductible costs approximately $41 more each month or $492 a year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 18 months between claims, you would probably be better off by going with a higher deductible.
The chart below illustrates how your deductible choice and can change Ford Mustang annual premium costs for each different age category. The prices are based on a single female driver, full physical damage coverage, and no discounts are factored in.
Men versus women drivers and insurance cost
The illustration below illustrates the comparison of Ford Mustang insurance costs for male and female drivers. The data assumes a clean driving record, no claims, comp and collision included, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Insurance can be complex
When it comes to your policy, there really isn't a "perfect" insurance plan. Everyone's situation is a little different so this has to be addressed.
For instance, these questions might point out if you would benefit from professional advice.
- Is my cargo covered for damage or theft?
- Do I have coverage for damage caused while driving under the influence?
- When should my teen driver be added to my policy?
- Is a driver training discount available?
- Do I need an umbrella policy?
- Does my policy pay for OEM or aftermarket parts?
- How do I buy GAP insurance?
If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
Insurance is available from agents near you
Some consumers would rather buy from a licensed agent and that can be a great decision Insurance agents are trained to spot inefficiencies and give you someone to call. One of the benefits of getting online price quotes is that you can obtain the lowest rates and still have a local agent.
By using this short form, the quote information is sent to participating agents in Stockton who will give competitive quotes for your coverage. It's much easier because you don't need to do any legwork as quotes are delivered straight to your inbox. If you wish to get a price quote from one company in particular, don't hesitate to search and find their rate quote page and fill out their quote form.
Choosing an insurer is decision based upon more than just the quoted price. Any agent in Stockton should be forthright in answering these questions:
- Do they offer rental car reimbursement?
- Is the agent CPCU or CIC certified?
- What companies can they write with?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Is the agent and/or agency licensed to do business in California?
- Do they feel the quoted coverages are adequate?
When narrowing the list to find a reputable agency, it can be helpful to understand the different types of agencies and how they operate. Insurance agencies can be classified as either independent agents or exclusive agents. Both types of agents can properly insure your vehicles, but it's good to learn the subtle differences because it can impact the kind of agent you use.
Exclusive Insurance Agents
These type of agents can only place business with one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. These agents are usually well trained in insurance sales which helps them sell on service rather than price. Drivers often purchase coverage from exclusives partially due to high brand loyalty instead of buying on price only.
Shown below is a short list of exclusive agents in Stockton who can help you get comparison quotes.
- Farmers Insurance - Jason Ramey
5250 Claremont Ave #138 - Stockton, CA 95207 - (209) 472-6080 - View Map - Farmers Insurance - Reklai Salazar
7843 N Pershing Ave - Stockton, CA 95207 - (209) 407-4000 - View Map - Allstate Insurance Agent: Tim Delaney
3244 Brookside Rd #170 - Stockton, CA 95219 - (209) 943-8344 - View Map
Independent Insurance Agencies
Agents that elect to be independent are not required to write business for one company and that is an advantage because they can write policies with any number of different companies and help determine which has the cheapest rates. To move your coverage to a new company, an independent agent can move your coverage which is easy for the insured.
If you need lower rates, you will want to contact at a minimum one independent agency to have the best price comparison. They also have the ability to place coverage with smaller companies which could offer lower prices.
Shown below are Stockton independent agencies willing to provide price quotes.
- RVA Insurance Agency, Inc
1341 West Robinhood Drive, ste A-1 - Stockton, CA 95207 - (209) 898-0650 - View Map - Acceptance Auto Insurance
2701 E Hammer Ln #108 - Stockton, CA 95210 - (209) 472-2200 - View Map - Pan American Insurance Agency
2800 W March Ln - Stockton, CA 95219 - (209) 955-2600 - View Map
Upon getting good feedback to these questions and a low price estimate, chances are good that you have found a car insurance agent that meets the criteria to provide insurance coverage. Just understand that once you purchase a policy you can terminate coverage at any point so don't assume you're contractually obligated to any specific agency for a certain time period.
In conclusion
Low-cost Ford Mustang insurance in Stockton can be purchased online as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some companies may not have online price quotes and usually these regional carriers provide coverage only through independent insurance agents.
We just covered quite a bit of information on how to save on Ford Mustang insurance in Stockton. The most important thing to understand is the more companies you get prices for, the better likelihood of getting affordable Stockton auto insurance quotes. You may even be surprised to find that the most savings is with a company that doesn't do a lot of advertising. Some small companies often have lower prices on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.
To learn more, link through to the articles below:
- Top Signs Your Brakes are Giving Out (State Farm)
- Who Has the Cheapest Car Insurance Quotes for Retired Military in Stockton? (FAQ)
- Who Has the Cheapest Stockton Car Insurance Quotes for Drivers Over Age 60? (FAQ)
- What Car Insurance is Cheapest for High School Students in Stockton? (FAQ)
- What if I Can't Find Coverage? (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)
- Vehicle Size and Weight FAQ (iihs.org)