How many times have you said it's time to compare the cheapest Ford Mustang insurance in Tacoma? Comparing Tacoma auto insurance quotes online is challenging if you have never used online rate comparisons. But don't give up because comparing prices is actually very simple.
Shockingly, 70% of consumers kept buying from the same company for four years or more, and almost 40% of drivers have never compared rates from other carriers. American drivers could save as much as $859 each year by just comparing rate quotes, but they don't want to spend time to save money by comparing rate quotes.
If you already have coverage, you should be able to find better prices using the techniques presented in this article. Pricing affordable coverage in Tacoma is actually quite simple. Nevertheless, Washington drivers need to have an understanding of how big insurance companies determine what you pay because rates are impacted by many factors.
Auto insurance providers offering low-cost price quotes in Washington
The companies in the list below have been selected to offer price comparisons in Tacoma, WA. If several companies are displayed, we recommend you visit as many as you can to find the most affordable auto insurance rates.
|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||$160||$376||$416||$24||$124||$1,100||$92|
|Mustang GT 2-Dr Convertible||$246||$640||$334||$20||$100||$1,340||$112|
|Mustang GT 2-Dr Coupe||$318||$764||$498||$30||$148||$1,758||$147|
|Mustang Shelby GT500 2-Dr Convertible||$246||$678||$334||$20||$100||$1,378||$115|
|Mustang Shelby GT500 2-Dr Coupe||$352||$866||$368||$22||$110||$1,718||$143|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in specific Tacoma garaging location which can modify auto insurance rates greatly.
Can higher deductibles save money?
The chart below demonstrates how deductible levels and can affect Ford Mustang premium costs for different age groups of insureds. The rate quotes are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
Drive responsibly or pay higher rates
The information below demonstrates how speeding tickets and at-fault claims can affect Ford Mustang car insurance costs for different age groups. The costs are based on a married male driver, full coverage, $250 deductibles, and no additional discounts are factored in.
Seven Things That Determine Your Insurance Premiums
A large part of saving on auto insurance is knowing the rating factors that come into play when calculating the level of your policy premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that can help you get much lower annual insurance costs. Many factors are part of the equation when you get a price on insurance. A few of the factors are predictable like an MVR report, but other factors are not quite as obvious like where you live or your commute time.
The items below are some of the most common factors used by companies to determine rates.
Reduce auto insurance rates by driving vehicles with better crash test results - Vehicles with good safety scores cost less to insure. Highly rated vehicles reduce injuries and fewer serious injuries means less claims paid and cheaper rates on your policy. If your Ford Mustang earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
Your age impacts your costs - Older people are more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets.Beginning drivers are statistically shown to be inattentive and easily distracted with other occupants in the car so auto insurance rates are higher.
High insurance claims frequency drives up prices - If you file claims often, don't be surprised to see either a policy non-renewal or much higher rates. Auto insurance companies in Washington provide better rates to policyholders who file claims infrequently. Auto insurance is intended for claims that you cannot pay yourself.
Lower deductibles cost more - Comprehensive and collision coverage deductibles represent how much money you are willing to pay before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply would be rearending another vehicle, collision with a deer, and having a roll-over accident. The more expense you pay before a claim is paid (deductible), the less money you will pay for auto insurance.
Add-on coverages that aren't used - Insurance companies have many optional add-on coverages that may not really be needed if you aren't diligent. Coverages like rental car coverage, towing coverage, and term life insurance are some examples. You may think they are a good idea initially, but if you don't need them get rid of them and save.
Gender and insurance coverage prices - Over the last 50 years, statistics have shown females are less aggressive when driving. The data does not necessarily mean that men are worse drivers. Males and females have auto accidents at a similar rate, but guys tend to have more serious accidents. They also get higher numbers of serious violations such as reckless driving.
See if your company offers a multi-policy discount - Many insurance companies give a discount for people that have more than one policy. It's known as a multi-policy discount. This can amount to ten or even fifteen percent. Even with this discount, consumers should still compare other company rates to help ensure you have the lowest rates.There is a chance you can find better rates even if you insure with multiple companies
Ford Mustang claim probability - Companies use past insurance losses when determining insurance costs. Models that are shown to have higher number or severity of losses will have higher rates. The information below illustrates the actual insurance loss data for Ford Mustang vehicles.
For each policy coverage type, the loss probability for all vehicles combined as an average equals 100. Percentage values below 100 represent a good loss history, while numbers above 100 indicate more frequent losses or a tendency for claims to be larger.
Car Insurance Loss Data for Ford Mustang Models
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford Mustang 2dr||175||80||131||109||136||117|
|Ford Mustang GT 2dr||171||61||143||82|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Don't overlook these Ford Mustang insurance discounts
Companies don't list the entire discount list very well, so the following list contains some of the best known and the more hidden discounts that you can inquire about if you buy Tacoma auto insurance online. If you are not receiving all the discounts you qualify for, you're paying more than you need to.
- Drivers Education - It's a good idea to have your young drivers take driver's ed class if it's offered in school.
- First Accident Forgiveness - Not a discount per se, but companies like Allstate and State Farm will let one accident slide before hitting you with a surcharge so long as you haven't had any claims before the accident.
- Discount for Passive Restraints - Factory options such as air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
- Military Rewards - Being deployed in the military could be rewarded with lower premium rates.
- Driver Training Discounts - Completing a safe driver course can save you 5% or more and also improve your driving technique.
- Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.
- Multi-policy Discount - If you insure your home and vehicles and insure them with the same company you will save over 10 percent off each policy depending on the company.
- Buy New and Save - Buying auto insurance coverage on a new vehicle is cheaper due to better safety requirements for new vehicles.
You can save money using discounts, but most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the appearance that it's possible to get free car insurance, it doesn't quite work that way.
To locate insurers that offer multiple discounts in Washington, click here to view.
Shop online but buy locally
A small number of people would rather buy from a local agent and that can be a great decision The best thing about getting online price quotes is the fact that drivers can get lower rates and still buy from a local agent. Buying insurance from neighborhood agents is important especially in Tacoma.
Once you complete this form (opens in new window), your information is transmitted to agents in your area who will gladly provide quotes for your insurance coverage. You never need to visit any agencies because prices are sent to you. Get lower rates AND an agent nearby. In the event you want to compare rates from a specific insurance company, don't hesitate to search and find their rate quote page and complete a quote there.
Choose the right car insurance agent
If you want to buy insurance from a reliable insurance agency, you must know there are a couple types of insurance agents that you can choose from. Tacoma agents are categorized either exclusive or independent (non-exclusive).
Independent agencies can sell policies from many different companies so they can quote policies amongst many companies and potentially find a lower price. If they find a lower price, your agent can just switch to a different company and you don't have to find a new agent. When comparing insurance prices, it's a good idea to get some free quotes from a couple of independent agencies to maximize your price options. Most independent agents also contract with smaller regional carriers that may provide cheaper insurance rates.
Featured below is a small list of independent agencies in Tacoma that may be able to provide competitive price quotes.
- Roe Insurance Services LLC
7642 Pacific Ave - Tacoma, WA 98408 - (253) 472-3977 - View Map
- Dan Marek Insurance
12909 Pacific Ave S - Tacoma, WA 98444 - (253) 537-4000 - View Map
- Associated Insurance Brokers
621 Pacific Ave # 400 - Tacoma, WA 98402 - (253) 272-3800 - View Map
Exclusive Insurance Agents
Agents in the exclusive channel generally can only insure with one company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot provide rate quotes from other companies so they really need to provide good service. Exclusive agencies are highly trained on their company's products which aids in selling service over price. Drivers often buy insurance from these agents mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.
Below is a short list of exclusive agents in Tacoma who can help you get price quote information.
- Reggie Johnson - State Farm Insurance Agent
2405 N Pearl St #10 - Tacoma, WA 98406 - (253) 752-1777 - View Map
- Farmers Insurance - Kai Adams
312 112th St S b - Tacoma, WA 98444 - (253) 459-9339 - View Map
- State Farm: Kevin Olive
5 Lewis Pl - Tacoma, WA 98409 - (800) 701-5909 - View Map
Finding the right auto insurance agent requires more thought than just the quoted price. Below are some questions you should ask.
- How are claims handled?
- Are they giving you every discount you deserve?
- Will one accident increase rates?
- Do they regularly work with personal auto policies in Tacoma?
- How long has their agency been in business in Tacoma?
- Does the agency have a current Errors and Omissions policy?
- Are they in the agency full-time?
- Does the agency have a good rating with the Better Business Bureau?
But they said I'd save $445 a year!
Well-known auto insurance companies like GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to make the point that drivers will save a bundle if you change your auto insurance policy to them. How does every company charge you less for car insurance? It's all in how they say it.
Most companies have specific criteria for the type of customer that is profitable for them. For instance, a driver they prefer should be over age 30, has a low-risk occupation, and has a high credit rating. A customer getting a price quote that meets those criteria receives the best rates in Tacoma and is almost guaranteed to save quite a bit of money when switching.
Potential customers who are not a match for the "perfect" profile will probably be forced to pay higher rates which results in the customer not buying. The ads say "customers who switch" but not "all drivers who get quotes" can save as much as they claim. That's why companies can truthfully make it sound like they have such great car insurance rates.
This really drives home the point why you should quote coverage with many companies. It's just not possible to know which insurance companies will fit you best based on your risk profile.
There's no such thing as the perfect auto insurance policy
When selecting a policy, there really is no single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if your situation will benefit from professional help.
- When can my company non-renew my policy?
- How much will a speeding ticket raise my rates?
- What is motorclub and do I need it?
- Is a new car covered when I drive it off the dealer lot?
- What is the rate difference between pleasure use and commuting?
- What if a claim settlement is too low?
- Are rental cars covered under my policy?
- What is the difference between comprehensive and collision coverage?
- Is my ex-spouse still covered by my policy?
If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
The best insurance company isn't always the cheapest
We just showed you many tips how you can compare Ford Mustang insurance rates in Tacoma. The key thing to remember is the more rate quotes you have, the better your chances of lowering your auto insurance rates. You may even discover the best price on car insurance is with the smaller companies. These companies may have significantly lower auto insurance rates on certain market segments than their larger competitors like Allstate or State Farm.
More affordable car insurance in Tacoma is possible from both online companies in addition to many Tacoma insurance agents, and you should compare rates from both to get a complete price analysis. A few companies may not have internet price quotes and many times these regional carriers provide coverage only through local independent agencies.
To learn more, feel free to browse the articles below:
- Drunk Driving Statistics (Insurance Information Institute)
- Which Company has the Cheapest Auto Insurance in Lacey, Washington? (FAQ)
- Who Has Affordable Auto Insurance for Police Officers in Washington? (FAQ)
- What is the Cheapest Auto Insurance in Marysville, Washington? (FAQ)
- What is the Best Cheap Car Insurance in Redmond, WA? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Learn About Car Insurance (GEICO)