Cheapest Quotes for Ford Mustang Insurance in San Antonio

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Insurance for Ford MustangWish you could get out of high-priced Ford Mustang insurance in San Antonio? Trust us, there are lots of San Antonio residents who feel the same.

Unfortunately, most insurance buyers in Texas kept their coverage with the same insurance company for over three years, and 38% of customers have never compared quotes from other companies. With the average insurance premium being $1,847, U.S. drivers could save as much as 46.5% every year just by comparing rates, but they underestimate the actual amount they would save if they switch to a new company.

Due to the abundance of options when it comes to insurance, it is very difficult to find a lower cost company.

It is always a good idea to price shop coverage before your next renewal because insurance prices are rarely the same from one policy term to another. Even if you got the best quotes on Ford Mustang insurance in San Antonio a year ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance because you're about to learn the fastest way to find the best coverage while lowering your premiums.

Just keep in mind that comparing a wide range of rates helps you find more affordable insurance.

The providers in the list below have been selected to offer comparison quotes in Texas. If multiple companies are listed, we suggest you get rate quotes from several of them to get the most competitive price.

Why you need Mustang insurance in Texas

Despite the high cost of buying insurance for a Ford Mustang in San Antonio, maintaining insurance may be required and benefits you in several ways.

First, almost all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability insurance coverage in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Mustang, more than likely the lender will require that you buy full coverage to guarantee loan repayment. If you do not keep the policy in force, the lender will be forced to insure your Ford at a much higher rate and force you to pay the higher price.

Third, insurance safeguards not only your vehicle but also your assets. It also can pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you have damage to your Ford as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of having insurance outweigh the cost, especially for larger claims. On average, a vehicle owner in San Antonio is wasting up to $700 annually so it's important to compare rates at least once a year to ensure rates are competitive.

Ford Mustang coverage analysis

The premium information displayed next highlights a range of insurance premium costs for Ford Mustang models. Having a better understanding of how insurance policy rates are formulated can assist in making smart choices when selecting a coverage provider.

Ford Mustang Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $268 $538 $392 $24 $118 $1,340 $112
Mustang 2-Dr Coupe $268 $538 $490 $30 $146 $1,472 $123
Mustang GT 2-Dr Convertible $302 $620 $392 $24 $118 $1,456 $121
Mustang GT 2-Dr Coupe $302 $620 $490 $30 $146 $1,588 $132
Mustang Shelby GT500 2-Dr Convertible $336 $782 $392 $24 $118 $1,652 $138
Mustang Shelby GT500 2-Dr Coupe $372 $864 $490 $30 $146 $1,902 $159
Get Your Own Custom Quote Go

Prices above based on married male 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. Information does not factor in specific garaging location which can increase or decrease insurance rates noticeably.

Choosing deductibles

One of the most common car insurance questions is how low should you set your deductibles. The rates below can help illustrate the price difference when you select higher and lower deductibles. The first table uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Ford Mustang insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $294 $584 $382 $22 $114 $1,421 $118
Mustang 2-Dr Coupe $294 $584 $476 $28 $142 $1,549 $129
Mustang GT 2-Dr Convertible $332 $672 $382 $22 $114 $1,547 $129
Mustang GT 2-Dr Coupe $332 $672 $476 $28 $142 $1,675 $140
Mustang Shelby GT500 2-Dr Convertible $370 $850 $382 $22 $114 $1,763 $147
Mustang Shelby GT500 2-Dr Coupe $408 $938 $476 $28 $142 $2,017 $168
Get Your Own Custom Quote Go
Ford Mustang insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $182 $368 $382 $22 $114 $1,068 $89
Mustang 2-Dr Coupe $182 $368 $476 $28 $142 $1,196 $100
Mustang GT 2-Dr Convertible $206 $424 $382 $22 $114 $1,148 $96
Mustang GT 2-Dr Coupe $206 $424 $476 $28 $142 $1,276 $106
Mustang Shelby GT500 2-Dr Convertible $228 $534 $382 $22 $114 $1,280 $107
Mustang Shelby GT500 2-Dr Coupe $252 $590 $476 $28 $142 $1,488 $124
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in vehicle location which can impact insurance rates significantly.

Based on the above data, using a $250 deductible will cost you about $35 more each month or $420 every year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 21 months between claims, you would more than likely save some money by selecting a higher deductible.

Cheap San Antonio insurance rates with discounts

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Some of these discounts will be visible when you purchase, but a few must be manually applied before being credited.Save money with discounts

  • Drivers Education - Require your teen driver to successfully take a driver's education course if it's offered in school.
  • 55 and Retired - Mature drivers can possibly qualify for lower premium rates.
  • Own a Home - Being a homeowner can help you save on insurance because maintaining a house requires a higher level of personal finance.
  • Military Discounts - Being deployed in the military could trigger a small discount.
  • Life Insurance Discount - Some insurance companies give a small discount if you purchase some life insurance in addition to your auto policy.
  • Organization Discounts - Being in qualifying employment or professional organizations could trigger savings when shopping for insurance.

Remember that some credits don't apply to the whole policy. A few only apply to specific coverage prices like comprehensive or collision. So when it seems like you can get free auto insurance, insurance companies wouldn't stay in business.

The example below shows the difference between Ford Mustang auto insurance rates with and without discounts applied to the policy premium. The premiums assume a male driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, multi-policy, claim-free, and marriage discounts applied.

If you would like to view insurance companies who offer discounts in Texas, follow this link.

What if I want to buy from local San Antonio insurance agents?

Many drivers prefer to get professional advice from a licensed agent and doing so can bring peace of mind One of the benefits of comparing rates online is that you can obtain the best rates and still have a local agent.

Find insurance agent in San AntonioTo make it easy to find an agent, after completing this simple form, the quote information is sent to participating agents in San Antonio who will give you bids for your coverage. You won't need to find an agent since rate quotes are delivered directly to your email. It's the lowest rates and a licensed agent to work with. If you have a need to compare prices from a specific insurance provider, just go to their quote page and fill out their quote form.

Finding the right provider requires you to look at more than just a cheap quote. Here are some questions to ask:

  • Do they have 24-hour customer assistance?
  • Do they carry Errors and Omissions coverage?
  • Is the agent and/or agency licensed to do business in Texas?
  • Are there any discounts for paying up front?
  • Where are claims handled?
  • Will the quote change when the policy is issued?
  • Do they specialize in personal lines auto insurance in San Antonio?

Types of car insurance agents

If you are wanting to purchase insurance from a reliable insurance agent, there are two different types of agents and how they are distinctly different. Insurance agents are categorized either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

These type of agents can only place business with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to compare rates from other companies so it's a take it or leave it situation. Exclusive insurance agents receive a lot of sales training on their company's products which helps overcome the inability to quote other rates.

Listed below is a list of exclusive agents in San Antonio that are able to give price quote information.

9719 Poteet Jourdanton Fwy Ste 103 - San Antonio, TX 78211 - (210) 927-5862 - View Map

105 Renner Dr - San Antonio, TX 78201 - (210) 732-9219 - View Map

11726 Ste 102A, I-35 - San Antonio, TX 78233 - (210) 514-1120 - View Map

More insurance agents

Independent Insurance Agents

Agents of this type are not employed by one company and that allows them to write policies with lots of companies and find you the best rates. To transfer your coverage to a different company, your policy is moved internally and you won't have to switch agencies.

When comparing rate quotes, we recommend you get some free quotes from at a minimum one independent agency in order to have the best price comparison.

Shown below are San Antonio independent insurance agents that can give you rate quotes.

1954 SW Military Dr - San Antonio, TX 78221 - (210) 927-2277 - View Map

Legion Insurance Agency
5309 Wurzbach Rd - San Antonio, TX 78230 - (210) 693-1501 - View Map

800 Isom Rd # 100 - San Antonio, TX 78216 - (210) 366-5094 - View Map

More insurance agents

After you get good answers to your questions and a low price estimate, it's a good possibility that you have found a car insurance agent that is professional and can insure your vehicles. It's important to know that once you purchase a policy you can terminate your policy whenever you wish so don't think you're contractually obligated to a specific agent for the entire policy term.

Persistence will pay off

When you buy San Antonio car insurance online, never reduce needed coverages to save money. In many instances, drivers have reduced uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your objective should be to buy the best coverage you can find at the lowest possible cost, but don't skip important coverages to save money.

We just presented some good ideas how to shop for Ford Mustang insurance online. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest premium rates come from some of the smallest insurance companies. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate, GEICO and Progressive.

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