How long has it been since you compared cheaper car insurance rates in Pittsburgh, PA? Pittsburgh drivers have many options when trying to find low-cost Ford Mustang insurance. You can either spend your time calling around getting price quotes or utilize the internet to find the lowest rates.
There are more efficient ways to shop for car insurance and you need to know the proper way to compare rates for your Ford and obtain the lowest possible price from both online companies and Pittsburgh agents.
You need to compare prices every six months because car insurance prices are adjusted regularly by insurance companies. Just because you had the best price on Ford Mustang insurance in Pittsburgh last year a different company probably has better rates today. Forget all the misinformation about car insurance because I’m going to teach you one of the quickest ways to find lower rates on car insurance.
The intent of this article is to let you in on how to compare rates easily and some tips to save money. If you currently have auto insurance, you should be able to get lower rates using these techniques. You just have to understand the most efficient way to buy auto insurance online.
Best companies for Ford Mustang insurance
The companies shown below are our best choices to provide price comparisons in Pittsburgh, PA. If you want to find cheap car insurance in Pittsburgh, PA, we suggest you visit several of them in order to find the lowest rates.
Ford Mustang insurance rate analysis
The coverage table below highlights a range of insurance rates for Ford Mustang models. Learning as much as possible about how prices are established can help drivers make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mustang 2-Dr Convertible | $198 | $430 | $316 | $18 | $94 | $1,056 | $88 |
| Mustang 2-Dr Coupe | $198 | $430 | $396 | $24 | $118 | $1,166 | $97 |
| Mustang GT 2-Dr Convertible | $224 | $494 | $316 | $18 | $94 | $1,146 | $96 |
| Mustang GT 2-Dr Coupe | $224 | $494 | $396 | $24 | $118 | $1,256 | $105 |
| Mustang Shelby GT500 2-Dr Convertible | $250 | $624 | $316 | $18 | $94 | $1,302 | $109 |
| Mustang Shelby GT500 2-Dr Coupe | $274 | $690 | $396 | $24 | $118 | $1,502 | $125 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price estimates do not factor in garaging location in Pittsburgh which can modify prices significantly.
Higher deductibles save money
One of the most common auto insurance questions is how high should the physical damage deductibles be. The data tables below can help illustrate the rate difference of buying low and high comp and collision deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mustang 2-Dr Convertible | $254 | $506 | $330 | $20 | $98 | $1,233 | $103 |
| Mustang 2-Dr Coupe | $254 | $506 | $412 | $24 | $124 | $1,345 | $112 |
| Mustang GT 2-Dr Convertible | $288 | $582 | $330 | $20 | $98 | $1,343 | $112 |
| Mustang GT 2-Dr Coupe | $288 | $582 | $412 | $24 | $124 | $1,455 | $121 |
| Mustang Shelby GT500 2-Dr Convertible | $320 | $734 | $330 | $20 | $98 | $1,527 | $127 |
| Mustang Shelby GT500 2-Dr Coupe | $352 | $810 | $412 | $24 | $124 | $1,747 | $146 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mustang 2-Dr Convertible | $206 | $408 | $330 | $20 | $98 | $1,062 | $89 |
| Mustang 2-Dr Coupe | $206 | $408 | $412 | $24 | $124 | $1,174 | $98 |
| Mustang GT 2-Dr Convertible | $234 | $468 | $330 | $20 | $98 | $1,150 | $96 |
| Mustang GT 2-Dr Coupe | $234 | $468 | $412 | $24 | $124 | $1,262 | $105 |
| Mustang Shelby GT500 2-Dr Convertible | $260 | $592 | $330 | $20 | $98 | $1,300 | $108 |
| Mustang Shelby GT500 2-Dr Coupe | $286 | $654 | $412 | $24 | $124 | $1,500 | $125 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Table data does not factor in specific location information which can increase or decrease premium rates noticeably.
We can estimate from the data above that using a $250 deductible will cost in the ballpark of $16 more each month or $192 each year averaged for all Mustang models than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 16 months between claims, you would more than likely save some money going with the higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $250 deductibles: | $120 |
| Average monthly premium for $500 deductibles (subtract): | – $104 |
| Monthly savings from raising deductible: | $16 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $16 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
Cheaper rates with discounts
Some insurance providers do not list the entire discount list in a way that’s easy to find, so the following list contains some of the more common as well as some of the hidden ways to save on car insurance.
- Memberships – Belonging to specific professional or occupational memberships or organizations could qualify you for a break when getting a Pittsburgh auto insurance quote.
- Discount for New Cars – Putting insurance on a new Mustang can be considerably cheaper due to better safety requirements for newer vehicles.
- Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your Pittsburgh auto insurance quote.
- Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
- Military Discounts – Being on active duty in the military could trigger a small discount.
You can save money using discounts, but some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, it just doesn’t work that way.
The chart below shows the comparison of Ford Mustang insurance costs with and without discounts applied to the premium. The costs are based on a male driver, no violations or claims, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, safe-driver, claim-free, and homeowner discounts applied.
To see companies who offer online Ford Mustang insurance quotes in Pittsburgh, click here to view.
When to get advice from a local insurance agent
Some people prefer to get professional advice from a licensed agent and doing that can be a smart decision Insurance agents can point out coverage gaps and help in the event of a claim. A nice benefit of comparing rate quotes online is that you can obtain lower rates but still work with a licensed agent. And providing support for local insurance agents is still important in Pittsburgh.
To make it easy to find an agent, after completing this simple form, the coverage information gets sent to participating agents in Pittsburgh who can give free rate quotes and help you find cheaper coverage. There is no reason to search for an agent due to the fact that quote results will go immediately to you. If you need to get a rate quote for a specific company, feel free to search and find their rate quote page and fill out the quote form the provide.
If you are wanting to purchase insurance from local Pittsburgh agents, you need to know there are two different agency structures to choose from. Insurance agents may be either independent agents or exclusive agents depending on their employer. Both can insure your vehicles, but we need to point out how they differ since it could factor into which agent you choose.
Independent Insurance Agencies
Agents of this type are not required to write business for one company so as a result can place your coverage with an assortment of companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can just switch to a different company which requires no work on your part. When comparison shopping, you will want to include rate quotes from several independent insurance agents to get the best comparison. They often place coverage with additional companies that you may not be familiar with that many times have cheaper rates.
Below is a partial list of independent agencies in Pittsburgh that may be able to give pricing information.
- Ron Dunn Insurance Agency, LLC
124 Ingram Ave – Pittsburgh, PA 15205 – (412) 922-1126 – View Map - T.W. Butts Insurance Agency
4893 Campbells Run Rd – Pittsburgh, PA 15205 – (412) 787-7800 – View Map - Feeney Insurance Agency
1350 Old Freeport Rd – Pittsburgh, PA 15238 – (412) 963-8850 – View Map
Exclusive Agents
Exclusive agents can only quote rates from one company such as State Farm, AAA, and Liberty Mutual. They usually cannot compare other company’s rates so they have to upsell other benefits. These agents are well schooled on what they offer and that allows them to sell at a higher price point. A lot of people choose to use an exclusive agent mostly because of the brand instead of buying on price only.
Listed below is a list of exclusive agencies in Pittsburgh willing to provide rate quotes.
- John Cosey – State Farm Insurance Agent
5869 Forbes Ave – Pittsburgh, PA 15217 – (412) 521-7070 – View Map - Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855 – View Map - David Masters – State Farm Insurance Agent
1900 Murray Ave – Pittsburgh, PA 15217 – (412) 422-1616 – View Map
Selecting an car insurance agent requires more thought than just the bottom line cost. Any agent in Pittsburgh should be willing to answer these questions.
- Are there any extra charges for paying monthly?
- Is there a 24/7 contact number?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Has the agent ever had any license suspensions?
- Who is covered by the car insurance policy?
- How often do they review policy coverages?
Get the best coverage at the lowest price
Consumers change insurance companies for a variety of reasons including policy non-renewal, being labeled a high risk driver, delays in paying claims or even not issuing a premium refund. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.
Budget-conscious Ford Mustang insurance is possible on the web in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some auto insurance companies do not offer the ability to get a quote online and many times these smaller companies work with independent agents.
When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your goal should be to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.
Steps to buying cheaper Ford Mustang insurance in Pittsburgh
The best way to find affordable quotes for Ford Mustang insurance in Pittsburgh is to compare prices at least once a year from providers that insure vehicles in Pennsylvania. Prices can be compared by completing these steps.
Step 1: Try to learn a little about what coverages are included in your policy and the changes you can make to keep rates in check. Many rating criteria that cause high rates like traffic tickets, fender benders, and a low credit rating can be improved by paying attention to minor details.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO and Allstate, while agents who are independent can give you price quotes for a wide range of companies. View prices
Step 3: Compare the price quotes to your current policy premium to see if a cheaper price is available in Pittsburgh. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
An essential thing to point out is to make sure you enter identical limits and deductibles on every quote request and and to look at as many companies as possible. Doing this enables a fair rate comparison and the best price selection.
More detailed auto insurance information is located at these sites:
- Learn About Car Insurance (GEICO)
- Who Has Cheap Auto Insurance Rates for College Graduates in Pittsburgh? (FAQ)
- How Much are Pittsburgh Auto Insurance Quotes for a Subaru Outback? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Car Insurance: When not to Skimp (BankRate.com)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)