How to Save on Ford Mustang Insurance in Long Beach

Discount Ford Mustang insuranceWould you like to stop wasting money and find cheaper car insurance rates in Long Beach, CA? Long Beach drivers have options when trying to find low-cost Ford Mustang insurance. They can either spend hours struggling with agents getting price quotes or leverage the internet to compare rates. There are more efficient ways to shop for car insurance and you need to know the best way to compare rates on a Ford and get the lowest price from both online companies and Long Beach agents.

Cheapest Ford Mustang insurance price quotes in Long Beach, CA

Getting a low cost price on Ford Mustang insurance is an easy way to save money. Drivers just need to invest a few minutes getting comparison quotes online with multiple companies.

The providers in the list below are our best choices to provide comparison quotes in Long Beach, CA. To get the best cheap car insurance in CA, it’s a good idea that you get rate quotes from several of them to find the most affordable car insurance rates.

Rates and data analysis

The coverage table displayed below covers detailed analysis of insurance costs for Ford Mustang models. Being able to understand how insurance premiums are established can assist in making decisions on which insurance to purchase.

Ford Mustang Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $204 $418 $450 $26 $134 $1,232 $103
Mustang 2-Dr Coupe $204 $418 $564 $34 $168 $1,388 $116
Mustang GT 2-Dr Convertible $230 $482 $450 $26 $134 $1,322 $110
Mustang GT 2-Dr Coupe $230 $482 $564 $34 $168 $1,478 $123
Mustang Shelby GT500 2-Dr Convertible $258 $608 $450 $26 $134 $1,476 $123
Mustang Shelby GT500 2-Dr Coupe $284 $670 $564 $34 $168 $1,720 $143
Get Your Own Custom Quote Go

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific location which can impact auto insurance rates noticeably.

The example below demonstrates how deductibles and can raise or lower Ford Mustang insurance costs for each age group. The prices are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Cautious Long Beach drivers save money

The information below demonstrates how traffic citations and fender-benders can impact Ford Mustang car insurance rates for each different age category. The information is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

The Ford Mustang Insurance Price Equation

Multiple criteria are used in the calculation when you get a price on insurance. Some are obvious like an MVR report, but other criteria are less obvious like your continuous coverage or how safe your car is.

The items below are some of the items used by insurance companies to determine your rate level.

Why do I need car insurance?

Even though it’s not necessarily cheap to insure a Ford in Long Beach, insurance is mandatory in California but it also protects more than you think.

First, the majority of states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability insurance coverage in order to be legal. 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.

Second, if your car has a loan, most lenders will make it mandatory that you buy full coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank may insure your Ford at a more expensive rate and require you to reimburse them much more than you were paying before.

Third, insurance safeguards not only your Ford but also your assets. It also can pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car are definitely more than the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is wasting up to $869 every year so you should quote and compare rates at least once a year to ensure rates are competitive.

California car insurance companies ranked

Buying coverage from the highest-rated car insurance company is difficult considering how many companies sell insurance in California. The company information shown below can help you select which auto insurers you want to consider comparing prices from.

Top 10 Long Beach Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+