Cheapest Ford Mustang Insurance in Houston

Ford Mustang insurance
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Want to learn how to buy low-cost Ford Mustang insurance in Houston? Are you sick and tired of scraping the payment together to keep your car insured? You are in the same boat as millions of other people.

Insurance quote for Ford Mustang in HoustonUnthinkable but true, the vast majority of insurance customers have purchased from the same company for well over three years, and practically 40% of insurance customers have never compared insurance rates at all. With the average premium in Texas being $2,700, drivers could save roughly $1,766 a year just by shopping around, but they mistakenly think it's difficult to compare rates and save money.

Online insurance companies like Progressive, GEICO and Farmers Insurance increase brand awareness with catchy ads and consumers find it hard to ignore the promise of big savings and find the best price available.

If you are paying for car insurance now, you will surely be able to cut your premiums using the techniques presented in this article. Choosing the most cost-effective insurance policy in Houston is actually not that difficult if you follow our advice. Although Texas consumers can benefit by having an understanding of how insurance companies market on the web because rates are impacted by many factors.

Auto insurance providers offering cheap price quotes in Texas

The companies in the list below have been selected to offer free quotes in Texas. If the list has multiple companies, we suggest you get price quotes from several of them to get the best price comparison.

Ford Mustang Insurance Cost Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $206 $486 $430 $26 $128 $1,276 $106
Mustang 2-Dr Coupe $374 $698 $624 $36 $186 $1,918 $160
Mustang GT 2-Dr Convertible $158 $352 $358 $22 $108 $998 $83
Mustang GT 2-Dr Coupe $300 $668 $642 $38 $192 $1,840 $153
Mustang Shelby GT500 2-Dr Convertible $286 $706 $358 $22 $108 $1,480 $123
Mustang Shelby GT500 2-Dr Coupe $350 $920 $500 $30 $150 $1,950 $163
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in specific location which can impact premiums significantly.

Impact of citations and accidents on Houston insurance rates

The illustration below illustrates how traffic citations and at-fault accidents can affect Ford Mustang auto insurance costs for different ages of insureds. The costs are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Policy deductibles

The hardest decision when buying coverage is where to set your physical damage deductibles. The rates shown below can help show the cost difference when you select higher and lower deductibles. The first pricing table uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Ford Mustang insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $328 $698 $382 $22 $114 $1,569 $131
Mustang 2-Dr Coupe $328 $698 $476 $28 $142 $1,697 $141
Mustang GT 2-Dr Convertible $370 $804 $382 $22 $114 $1,717 $143
Mustang GT 2-Dr Coupe $370 $804 $476 $28 $142 $1,845 $154
Mustang Shelby GT500 2-Dr Convertible $412 $1014 $382 $22 $114 $1,969 $164
Mustang Shelby GT500 2-Dr Coupe $454 $1120 $476 $28 $142 $2,245 $187
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Ford Mustang insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $240 $472 $382 $22 $114 $1,230 $103
Mustang 2-Dr Coupe $240 $472 $476 $28 $142 $1,358 $113
Mustang GT 2-Dr Convertible $270 $542 $382 $22 $114 $1,330 $111
Mustang GT 2-Dr Coupe $270 $542 $476 $28 $142 $1,458 $122
Mustang Shelby GT500 2-Dr Convertible $300 $686 $382 $22 $114 $1,504 $125
Mustang Shelby GT500 2-Dr Coupe $332 $756 $476 $28 $142 $1,734 $145
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in specific Houston garaging location which can alter auto insurance rates significantly.

We can derive from the above data that using a $100 deductible costs approximately $33 more each month or $396 for a full year than choosing the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 12 months between claims, you would most likely save money if you choose a higher deductible. Here's a better example of how you can make your own decision.

Average monthly premium for $100 deductibles: $153
Average monthly premium for $500 deductibles (subtract): - $120
Monthly savings from raising deductible: $33
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

Gender differences in auto insurance premiums

The diagram below illustrates the difference between Ford Mustang insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Companies offer money-saving discounts on Ford Mustang insurance in Houston

Auto insurance is expensive, but there are discounts available that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time of quoting, but once in a while a discount must be requested specifically before they will apply. If they aren't giving you every credit possible, you are throwing money away.

Discounts save money, but please remember that most discount credits are not given to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, you're out of luck. But any discount will cut the amount you have to pay.

Car insurance companies that have most of the discounts above include:

Before buying, ask all the companies the best way to save money. Some discounts may not apply to policies everywhere.

Local neighborhood insurance agents

Many people just prefer to sit down and talk to an agent. One of the best bonuses of getting online price quotes is that you can find lower rates and also buy local.

Insurance agents in HoustonOnce you complete this quick form, your insurance data is emailed to insurance agents in Houston who will give competitive quotes for your insurance coverage. There is no need to visit any agencies since rate quotes are delivered to you. You can find better rates without having to waste a lot of time. If you wish to compare rates from one company in particular, you would need to visit that company's website and give them your coverage information.

Finding the right insurer is decision based upon more than just a cheap price. The answers to these questions are important, too.

Compare rates from both independent and exclusive car insurance agents

If you are wanting to purchase auto insurance from an insurance agent, you must know there are a couple types of insurance agents and how they differ in how they quote coverages. Agents in Houston may be either independent or exclusive depending on the company they work for.

Exclusive Auto Insurance Agencies

Exclusive agents work for only one company and some examples include Allstate and State Farm. They usually cannot compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents are usually well trained on what they offer which helps them sell insurance even at higher premiums.

Listed below are exclusive agents in Houston willing to provide comparison quotes.

8121 Broadway St #230 - Houston, TX 77061 - (281) 481-5778 - View Map

2575 S Dairy Ashford Rd m - Houston, TX 77077 - (281) 496-5330 - View Map

2402 Bay Area Blvd g - Houston, TX 77058 - (281) 488-9050 - View Map

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Independent Agents

Agents in the independent channel do not write with just one company so they can write business amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and the insured can keep the same agent.

When comparing auto insurance prices, we recommend you get several quotes from a few independent agents to maximize your price options.

The following are Houston independent agencies willing to provide rate quotes.

1235 N Loop W Fwy #1100 - Houston, TX 77008 - (979) 238-8283 - View Map

13430 Northwest Fwy #600 - Houston, TX 77040 - (713) 956-9800 - View Map

8323 Southwest Fwy #390 - Houston, TX 77074 - (713) 270-0073 - View Map

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The lowest rates come from being thorough

In this article, we presented many ideas to find cheaper Ford Mustang insurance in Houston. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your prices. You may even be surprised to find that the lowest premium rates come from some of the smallest insurance companies. They may only write in your state and offer lower prices compared to the large companies like Allstate and Progressive.

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at a price you can afford while still protecting your assets.

More detailed insurance information can be read by following these links: