Insurance for Ford MustangSearching for lower-priced Ford Mustang insurance in Fort Collins? Being forced to pay for overpriced insurance premiums can dry up your budget and possibly require you to analyze your spending habits. Doing a rate analysis can be a smart way to tighten up your finances.

It's astonishing, but over 70% of Colorado drivers have bought insurance from the same company for well over three years, and nearly half have never compared quotes from other companies. U.S. drivers could cut their rates by roughly 47% a year by just comparing quotes, but they don't understand how simple it is to compare other rate quotes. Companies like State Farm, Progressive and GEICO persitently shower you with ads and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Why Informed Consumers Pay Less for Ford Mustang Insurance

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that play a part in calculating your policy premiums. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that may reward you with big savings.

The majority of larger companies give prices directly from their websites. The process doesn't take a lot of time as you simply type in your coverage preferences as requested by the quote form. When complete, their system sends out for credit information and your driving record and returns a price quote based on the data you entered. Being able to quote online for Ford Mustang insurance in Fort Collins makes it easy to compare insurance prices and it is important to perform this step in order to get lower-cost prices.

If you want to get comparison pricing now, check out the auto insurance providers below. If you currently have coverage, we recommend you duplicate the coverages as close as possible to your current policy. Doing this assures you will get a fair comparison using the same coverage and limits.

The following companies are ready to provide free rate quotes in Fort Collins, CO. If multiple companies are listed, we recommend you click on several of them in order to find the cheapest rates.

Ford Mustang Insurance Cost Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $310 $538 $460 $28 $138 $1,474 $123
Mustang 2-Dr Coupe $260 $630 $462 $28 $138 $1,518 $127
Mustang GT 2-Dr Convertible $146 $324 $330 $20 $98 $918 $77
Mustang GT 2-Dr Coupe $298 $608 $448 $26 $134 $1,514 $126
Mustang Shelby GT500 2-Dr Convertible $292 $776 $330 $20 $98 $1,516 $126
Mustang Shelby GT500 2-Dr Coupe $182 $462 $422 $24 $126 $1,216 $101
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Table data does not factor in vehicle garaging location which can change insurance rates greatly.

Annual premiums for males compared to females

The illustration below shows the comparison of Ford Mustang annual premium costs for male and female drivers. The data assumes no claims or violations, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Why you might not save $465 a year

Consumers can't get away from ads that claim the cheapest car insurance rates by companies like GEICO, State Farm and Progressive. They all seem to advertise claims that people will save if you change your coverage to them.

That's great but how can every company make almost identical claims? It's all in how they say it.

All companies give the cheapest rates for the type of driver that makes them money. For example, a profitable insured could be over the age of 40, carries high limits, and drives less than 10,000 miles a year. Someone that fits those parameters gets the lowest premium rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who don't meet these criteria will probably be forced to pay higher prices and ends up with the customer not purchasing. Company advertisements say "drivers that switch" not "everyone who quotes" save that much money. That's why insurance companies can make it sound like they have such great prices. Each company has different criteria, so you should compare rate quotes every year. You cannot predict the company that will have the lowest premium rates for your situation.

Why car insurance is not optional

Even though Fort Collins Mustang insurance rates can get expensive, paying for car insurance is not optional due to several reasons.

The benefits of insuring your Mustang are definitely more than the cost, particularly when you have a large claim. An average driver in America is wasting up to $850 per year so you should quote rates at every renewal to help ensure money is not being wasted.

Get discounts on Fort Collins insurance

Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so we break down a few of the more common and also the more inconspicuous insurance savings. If you do not check that you are getting every discount available, you are throwing money away.Cheaper insurance with discounts

It's important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you could get a free insurance policy, it doesn't quite work that way. But all discounts will bring down your policy premiums.

A few of the larger companies and some of the premium reductions they offer are outlined below.

Double check with every company which discounts you may be entitled to. Depending on the company, some discounts may not apply to policies in Fort Collins. To view insurers with the best Ford Mustang insurance discounts in Fort Collins, click here to view.

When should I get advice from an agent?

A small number of people still prefer to get advice from a local agent and that is OK! Insurance agents can help you choose the best coverages and give you someone to call. A nice benefit of comparing rate quotes online is that you can obtain the best rates but still work with a licensed agent.

Insurance agents in Fort CollinsUpon completion of this quick form, the quote information is immediately sent to local insurance agents who will give you bids to get your business. You won't even need to drive around because prices are sent to you directly. If for some reason you want to quote rates from a specific insurance company, you can always visit that company's website and give them your coverage information.

Choosing the best company shouldn't rely on just a cheap quote. Below are some questions you should ask.

When finding a local Fort Collins insurance agency, it can be helpful to understand the types of insurance agents that you can select. Agents can be categorized as either exclusive agents or independent agents. Either one can sell insurance policies, but it's a good idea to understand how they are different since it can impact the type of agent you choose.

Exclusive Insurance Agencies

Exclusive insurance agents generally can only insure with one company and examples are Farmers Insurance or State Farm. They generally cannot compare other company's rates so it's a take it or leave it situation. Exclusive agents are very knowledgeable on sales techniques and that allows them to sell at a higher price point.

Below are Fort Collins exclusive agents who can help you get price quotes.

1300 Oakridge Dr #100 - Fort Collins, CO 80525 - (970) 223-9400 - View Map

335 E Mountain Ave - Fort Collins, CO 80524 - (970) 482-3952 - View Map

1318 S College Ave - Fort Collins, CO 80524 - (970) 493-9336 - View Map

View more Fort Collins agents

Independent Insurance Agents

Independent agencies are not employed by one company and that allows them to write policies with any number of different companies and potentially find a lower price. If they find a cheaper price, they simply move your policy to a different company without you having to go to a different agency. If you need lower rates, it's a good idea to compare prices from a few independent agents in order to compare the most rates.

The following are Fort Collins independent agencies that are able to give rate quotes.

2627 Redwing Rd #330 - Fort Collins, CO 80526 - (970) 223-5902 - View Map

121 E Swallow Rd - Fort Collins, CO 80525 - (970) 484-3200 - View Map

525 N Denver Ave - Loveland, CO 80537 - (970) 622-9734 - View Map

View more Fort Collins agents

Special considerations

When quoting and comparing a policy for your vehicles, there is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.Car insurance savings

For example, these questions can aid in determining if you may require specific advice.

If you're not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It's fast, doesn't cost anything and can help protect your family.

Cheaper coverage is out there

The cheapest Ford Mustang insurance in Fort Collins can be found both online and from local agencies, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and many times these regional carriers prefer to sell through independent insurance agencies.

Drivers change insurance companies for a number of reasons such as policy cancellation, delays in paying claims, delays in responding to claim requests or even policy non-renewal. Regardless of your reason for switching companies, finding a new company can be less work than you think.

When getting Fort Collins car insurance quotes online, do not skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your objective should be to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

Much more information about auto insurance in Colorado can be read below: