Affordable Insurance for a Ford Mustang in Irvine

Insurance quote for Ford Mustang in IrvineIt’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.


Ford Mustang Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $216 $464 $424 $26 $126 $1,256 $105
Mustang 2-Dr Coupe $216 $464 $530 $32 $158 $1,400 $117
Mustang GT 2-Dr Convertible $244 $534 $424 $26 $126 $1,354 $113
Mustang GT 2-Dr Coupe $244 $534 $530 $32 $158 $1,498 $125
Mustang Shelby GT500 2-Dr Convertible $272 $676 $424 $26 $126 $1,524 $127
Mustang Shelby GT500 2-Dr Coupe $300 $746 $530 $32 $158 $1,766 $147
Get Your Own Custom Quote Go

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.


Ford Mustang insurance with $250 deductibles
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

Ford Mustang insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $278 $546 $442 $26 $132 $1,424 $119
Mustang 2-Dr Coupe $278 $546 $552 $32 $166 $1,574 $131
Mustang GT 2-Dr Convertible $314 $630 $442 $26 $132 $1,544 $129
Mustang GT 2-Dr Coupe $314 $630 $552 $32 $166 $1,694 $141
Mustang Shelby GT500 2-Dr Convertible $348 $794 $442 $26 $132 $1,742 $145
Mustang Shelby GT500 2-Dr Coupe $384 $878 $552 $32 $166 $2,012 $168
Get Your Own Custom Quote Go

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.

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.Cheaper insurance with discounts

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:

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.

Insurance agents in IrvineOnce 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:

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.

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.

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.

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