View 2017 Ford Shelby GT350 Insurance Quotes

Trying to find cheaper car insurance rates for your Ford Shelby GT350? Comparing insurance quotes online might seem complicated at first if you haven’t ever compared insurance using online price comparisons. But don’t give up because online price shopping is actually quite simple.

Low cost auto insurance prices

There are multiple methods to shop for auto insurance, but there is one way that is less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to get prices fast.

All the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and each company provides a quote determined by their information. This eliminates the need for quote forms to each company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to pricing coverage this way is that you can’t choose the companies to get pricing from. So if you want to choose specific insurance companies for rate comparison, we put together a list of companies who write auto insurance in your area. Click to view list.

The approach you take is up to you, just do your best to enter the same coverages for every company. If the quotes have different coverage information you will not be able to determine the lowest rate for your Ford Shelby GT350. Quoting even small variations in insurance coverages or limits can make a big difference in price. It’s important to know that comparing more quotes will improve the odds of getting the best price. Not every company does quotes online, so it’s necessary to compare quotes on coverage from those companies, too.

Discounts for cheaper insurance coverage quotes

Car insurance companies don’t list every available discount very clearly, so the following list contains a few of the more well known as well as the least known credits that you can use to lower your rates.

• Own a Home and Save – Just owning your own home can get you a discount since home ownership requires personal responsibility.
• Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you could earn a discount of approximately 10% to 15%.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive so you can save 10 percent or more.
• No Charge for an Accident – This one isn’t a discount, but a few companies such as Allstate and Progressive will turn a blind eye to one accident before raising your premiums if you are claim-free for a set time period.
• Pay Upfront and Save – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
• Telematics Devices – Drivers who elect to allow driving data collection to scrutinize driving patterns through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they are good drivers.
• Safe Driver Discount – Accident-free drivers could pay up to 40% less on Shelby GT350 insurance than less cautious drivers.
• Good Student Discount – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
• Driver Education Discount – Teen drivers should successfully complete driver’s ed class in high school.
• Air Bags and Passive Restraints – Options like air bags or automatic seat belts can get savings of more than 20%.

You can save money using discounts, but most credits do not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, it’s just not the way it works.

To choose providers with significant discounts, follow this link.

You may need specialized insurance coverage

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Is my nanny covered when driving my vehicle?
• Do I have coverage for damage caused while driving under the influence?
• Does my liability insurance cover pulling a trailer or camper?
• Can my teen driver be rated on a liability-only vehicle?
• Can I afford to pay high deductible claims out of pocket?
• Do I need rental car coverage?
• Am I covered if I wreck a rental car?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Learn how to lower your insurance costs

Lots of things are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but some are more obscure like your vehicle usage or your vehicle rating.

• Your age impacts your prices – Older drivers tend to be more responsible, tend to file fewer claims and are safer drivers.Teen drivers are statistically shown to be less responsible behind the wheel so auto insurance rates are higher.
• Bad drivers pay high rates – Your driving citation history can have a huge impact on auto insurance premiums. Having just one citation can increase rates substantially. Drivers who don’t get tickets pay lower auto insurance prices as compared to those with violations. Drivers unfortunate enough to have severe violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
• Men pay higher prices – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, this does not mean males are worse at driving than females. Males and females have at-fault accidents in similar numbers, but men get into accidents with more damage. Men also tend to receive more major tickets such as DWI and reckless driving. Male teenagers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
• Multiple policies with one company can save – Many companies afford lower prices to insureds that purchase more than one policy in the form of a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you qualify for this discount already, consumers should still comparison shop to help ensure you have the lowest rates.
• Marriage reduces risk – Getting married may cut your premiums on your auto insurance bill. It is viewed as being more stable financially and statistics show being married results in fewer claims.

Insurance coverages explained

Learning about specific coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverages – This pays for damage to your Shelby GT350 from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Ford Shelby GT350.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for expenses such as hospital visits, dental work, rehabilitation expenses and funeral costs. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Coverage for liability – Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, medical expenses, court costs, structural damage and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Comprehensive auto coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, theft, rock chips in glass, hitting a deer and damage from flooding. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Make an honest buck

When getting insurance quotes online, it’s a bad idea to reduce needed coverages to save money. Too many times, an accident victim reduced collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at the best price and still be able to protect your assets.

Budget-conscious 2017 Ford Shelby GT350 insurance is available on the web as well as from insurance agents, so you need to quote insurance with both to have the best selection. Some insurance companies do not provide the ability to get quotes online and many times these smaller companies only sell through local independent agents.

Consumers leave their current company for many reasons like not issuing a premium refund, poor customer service, being labeled a high risk driver and policy cancellation. No matter why you want to switch, finding a new insurance coverage company is actually quite simple.

To learn more, feel free to browse the articles below:

• Where can I buy Insurance? (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Rollover Crash FAQ (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)