Are you tired of scraping nickels together to buy car insurance? You are in the same boat as the majority of other drivers in Washington.
Unfortunately, most car insurance policyholders kept their policy with the same company for over three years, and 38% of customers have never quoted car insurance rates at all. Washington consumers could save almost 40% every year just by shopping around, but they don’t want to spend time to save money by comparing rate quotes.
Big companies like Progressive, GEICO and Farmers Insurance continually bombard you with TV and radio ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.
If you have insurance now, you will be able to reduce premiums using the following tips. Locating the best rates in Seattle can initially seem challenging. But Washington drivers benefit from understanding how insurance companies market on the web and use this information to your advantage.
The fastest way that we advise to compare car insurance rates for Ford Mustang insurance in Seattle is to take advantage of the fact almost all companies participate in a system to compare their rates. All you need to do is provide the companies a bit of rating information including if it has an anti-theft system, if a SR-22 is required, deductibles desired, and if the car is leased. The rating information is sent automatically to multiple different insurance companies and they provide comparison quotes immediately.
To compare rates for your Ford Mustang now, click here and complete the form.
The following companies are our best choices to provide price quotes in Washington. If the list has multiple companies, we recommend you get rate quotes from several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mustang 2-Dr Convertible | $230 | $496 | $304 | $18 | $90 | $1,138 | $95 |
| Mustang 2-Dr Coupe | $218 | $512 | $480 | $28 | $144 | $1,382 | $115 |
| Mustang GT 2-Dr Convertible | $222 | $536 | $334 | $20 | $100 | $1,212 | $101 |
| Mustang GT 2-Dr Coupe | $294 | $520 | $482 | $28 | $144 | $1,468 | $122 |
| Mustang Shelby GT500 2-Dr Convertible | $274 | $770 | $310 | $18 | $92 | $1,464 | $122 |
| Mustang Shelby GT500 2-Dr Coupe | $188 | $516 | $480 | $28 | $144 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates greatly.
Car insurance rates based on gender
The illustration below illustrates the difference between Ford Mustang insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, comp and collision included, $1,000 deductibles, single marital status, and no other discounts are factored in.
Do you qualify for these five discounts?
Not too many consumers would say auto insurance is affordable, but you can get discounts that you may not know about. Most are applied when you purchase, but some may not be applied and must be inquired about before you will receive the discount.
- Homeowners Savings – Owning your own home or condo can save you money because owning a home demonstrates responsibility.
- Multi-policy Discount – If you insure your home and vehicles with the same company you may earn nearly 15% which can help you find low cost Ford Mustang insurance.
- Sign Early and Save – A few companies give discounts for buying a new policy early. The savings is around 10%.
- Military Deployment Discount – Being deployed in the military may qualify for rate reductions.
- Good Grades Discount – A discount for being a good student may save as much as 25% on a Seattle auto insurance quote. You can use this discount normally up until you turn 25.
Don’t be surprised that many deductions do not apply to the whole policy. A few only apply to individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
A few companies who might offer some of the above discounts include:
If you want cheaper Seattle auto insurance quotes, ask all companies you are considering to give you their best rates. Some of the discounts discussed earlier may not be offered in your state. If you would like to choose from a list of insurance companies who offer cheap Ford Mustang insurance quotes in Seattle, click here to view.
Auto insurance is not optional but you don’t have to overpay
Despite the high cost of buying insurance for a Ford Mustang in Seattle, auto insurance is most likely required but also gives you several important benefits.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to get the vehicle licensed. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your vehicle, more than likely the lender will have a requirement that you have insurance to guarantee payment of the loan. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Ford for a lot more money and require you to reimburse them a much higher amount than you were paying before.
- Auto insurance protects not only your Ford Mustang but also your financial assets. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay attorney fees in the event you are sued. If mother nature or an accident damages your car, your policy will cover the damage repairs after a deductible is paid.
The benefits of buying auto insurance more than offset the price you pay, particularly when you have a large claim. As of last year, the average driver in Washington is overpaying over $865 each year so shop around at every renewal to ensure rates are inline.
Do I need special coverages?
When it comes to choosing your policy, there really isn’t a one-size-fits-all type of policy. Everyone’s situation is unique.
For example, these questions could help you determine whether you would benefit from professional advice.
- Can I make deliveries for my home business?
- Does my personal policy cover me when driving out-of-state?
- Can I rent a car in Mexico?
- Am I covered if I crash into my own garage door?
- What does UM/UIM cover?
- Is there coverage for injuries to my pets?
- Do I have coverage if my license is suspended?
- How much underlying liability do I need for an umbrella policy?
- Is my cargo covered for damage or theft?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.
Local neighborhood agents and insurance
Many people would prefer to talk to a local agent and there is nothing wrong with that. A good thing about comparing insurance prices online is you can get better rates but still work with a licensed agent.
To make it easy to find an agent, after completing this simple form, your coverage information gets sent to agents in your area that can give you free Seattle auto insurance quotes to get your business. You never need to contact any agents due to the fact that quote results will go straight to your inbox. Get lower rates without the usual hassles of price shopping. If for some reason you want to compare rates from a specific insurance provider, you can always visit that company’s website and give them your coverage information.
Finding the right insurer needs to be determined by more than just a cheap price quote. Here are some questions you might want to ask.
- Can they provide you with a list of referrals?
- What is their Better Business Bureau rating?
- Do they write coverage based solely on cost?
- Do they have 24-hour customer assistance?
- How much will you save each year by using a higher deductible?
Different types of car insurance agents in Seattle
If you want to buy insurance from a reputable agency, it’s helpful to know the different types of agencies that differ in how they can insure your vehicles. Agents are classified as either exclusive or independent.
Exclusive Insurance Agents
Agents in the exclusive channel can only quote rates from one company and examples are Farmers Insurance, Allstate, or State Farm. They usually cannot compare rates from other companies so you might not find the best rates. They receive a lot of sales training on their products and sales techniques which helps overcome the inability to quote other rates.
Shown below is a list of exclusive agents in Seattle who can help you get price quotes.
Kent Christianson – State Farm Insurance Agent
1705 N 45th, Ste A – Seattle, WA 98103 – (206) 632-8000 – View Map
Andy Hubbard – State Farm Insurance Agent
1515 NW 52nd St a – Seattle, WA 98107 – (206) 789-4211 – View Map
Lucho Singh – State Farm Insurance Agent
1420 Harvard Ave – Seattle, WA 98122 – (206) 329-4450 – View Map
Independent Insurance Agents
Independent agencies do not write with just one company so they can quote policies with lots of companies and get the cheapest rates. To transfer your coverage to a different company, your agent can just switch to a different company and you stay with the same agent.
When comparing rates, we recommend you include price quotes from a few independent agents to get the best comparison.
Shown below are independent insurance agents in Seattle willing to provide rate quotes.
Magnolia Insurance Agency, Inc.
3424 W McGraw St – Seattle, WA 98199 – (206) 284-4886 – View Map
C. Don Filer Agency
4201 Roosevelt Way NE #200 – Seattle, WA 98105 – (800) 701-5909 – View Map
BGI Agency Network Inc
4634 E Marginal Way S C 140 – Seattle, WA 98134 – (206) 682-9990 – View Map
Upon getting good feedback to any questions you have as well as offering an affordable quote, you may have found a car insurance agent that is a good match to adequately provide insurance.
Car insurance coverage information
Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.
Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Mustang.
Because many people only purchase the least amount of liability that is required (Washington limits are 25/50/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for expenses like prosthetic devices, rehabilitation expenses and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Comprehensive protection – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like falling objects, damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverages – This coverage pays for damage to your Mustang resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as driving through your garage door, backing into a parked car, colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible on your Mustang in order to get cheaper collision rates.
Liability car insurance – This protects you from damage that occurs to other people or property by causing an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/10 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.
Liability coverage protects against things such as repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford. Washington state law requires minimum liability limits of 25/50/10 but you should think about purchasing higher limits.