2015 Ford Shelby GT350 Car Insurance Quotes in 2024

Looking for cheaper auto insurance rates for your Ford Shelby GT350? I really doubt anyone loves paying for auto insurance, in particular when they could find better prices if they shop around. Popular companies such as State Farm, Progressive and GEICO increase brand awareness with ad campaigns and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you are insured now or need new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Choosing the best insurance company for you is quite easy. Vehicle owners only need an understanding of how to compare company rates online.

How to find affordable car insurance

Many insurance companies like State Farm, Allstate and GEICO make it easy to get prices for coverage on their websites. Getting online rates is fairly straightforward as all you need to do is type in your coverage information into a form. Upon sending the form, their quoting system makes automated requests for your driving record and credit report and quotes a price based on many factors. Online quotes simplifies rate comparisons, but having to visit many different websites and type in your information can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes if you want to find the lowest car insurance rates.

The easy way to compare rates

The smarter way to locate the lowest prices uses one simple form that obtains quotes from many companies. This type of form saves time, requires less work, and makes online shopping much simpler. Once the form is submitted, it is quoted and you can choose any of the quote results. If you find a better price you can simply submit the application and buy the new coverage. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

To use this form to compare rates, simply enter your zip code here and complete the simple form. If you currently have coverage, we recommend you duplicate the coverages as close as possible to your current policy. Using the same limits helps guarantee you will be getting rate comparison quotes based on the exact same insurance coverage.

Earn discounts on insurance coverage

Some insurers do not list their entire list of discounts very clearly, so we researched some of the more common and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

• Bundled Policy Discount – If you have multiple policies with the same insurance company they may give you a discount of as much as 10 to 15 percent.
• Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts could see savings of up to 25% or more.
• Professional Memberships – Having an affiliation with certain professional organizations can get you a small discount on your next renewal.
• Accident Free – Drivers who don’t have accidents can save substantially when compared to frequent claim filers.
• Defensive Driver – Successfully completing a course teaching driver safety skills may get you a small discount depending on where you live.
• E-sign Discounts – Many insurance companies will give you a small discount for completing your application on the web.
• One Accident Forgiven – Not a discount per se, but a few companies such as State Farm, Progressive and GEICO will forgive one accident before raising your premiums as long as you don’t have any claims for a certain period of time.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, you won’t be that lucky.

A few popular companies and a selection of discounts can be found below.

• GEICO offers discounts for air bags, multi-policy, federal employee, multi-vehicle, anti-theft, emergency military deployment, and daytime running lights.
• MetLife offers discounts including accident-free, defensive driver, good driver, good student, claim-free, multi-policy
• State Farm policyholders can earn discounts including anti-theft, good student, student away at school, defensive driving training, safe vehicle, and Drive Safe & Save.
• Progressive includes discounts for multi-vehicle, good student, online signing, online quote discount, and multi-policy.
• Mercury Insurance may have discounts that include annual mileage, location of vehicle, ease of repair, age of vehicle, and multi-car.
• 21st Century has savings for driver training, good student, 55 and older, air bags, student driver, and theft prevention.
• Allstate has discounts for FullPay discount, economy car, eSmart discount, premier plus, good payer, and resident student.

When quoting, ask each company or agent the best way to save money. Savings may not be available in your area. To locate providers that offer some of these discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Who is covered by my policy?
• Is business property covered if stolen from my car?
• Is business equipment covered while in my vehicle?
• I have health insurance so do I need medical payments coverage?
• When should I not file a claim?
• Should I bundle my homeowners policy with my auto?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code. It’s fast, free and may give you better protection.

Insurance coverage breakdown

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, damage from flooding, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for ambulance fees, doctor visits, EMT expenses, pain medications and prosthetic devices. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability

Liability insurance can cover damage that occurs to other’s property or people. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things like repair costs for stationary objects, medical expenses, medical services and legal defense fees. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Summing up your car insurance search

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There are too many instances where an insured cut collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at a price you can afford, but do not skimp to save money.

We just presented many tips how you can shop for 2015 Ford Shelby GT350 insurance online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the best premium rates are with a small local company. Smaller companies may have significantly lower prices on certain market segments than their larger competitors like GEICO and State Farm.