Would a 2002 Mustang Coupe have high insurance? - Mustang Evolution

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Old 12-19-2011, 03:45 AM   #1
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Would a 2002 Mustang Coupe have high insurance?

I understand most sports cars cause a spike in insurance money for young drivers.
Would a 6 cylinder 2002 Mustang for a young driver under your parents policy be much more expensive?
If so, how much?

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Old 12-19-2011, 04:28 AM   #2
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Would a 2002 Mustang Coupe have high insurance?

There is no such thing as cheap insurance for a young male driver. Insurance companies keep detailed statistics on every claim filed. They know from these statistics that a young male driver is most likely to be involved in an accident. They will price a policy for a young male driver accordingly. They also know exactly which cars are fast. Get a sporty car and this will also increase the price. If you want cheap insurance drive for about 7 years while keeping a squeaky clean driving record. Get a ticket or get in an accident the clock resets. Driving a boring conservative car will also help. With that said...

This is just about the worst possible place to ask this question. About the best you can hope for here is a wild guess. You would be just as well off picking a random number out of a hat.

For one thing, there are too many variables involved for someone to even give a ballpark figure. Things like your age, gender, location, driving record, vehicle getting insured, local minimum requirements, coverage desired, deductibles, etc.

Get up and walk away from the computer.

Walk over to the telephone.

Near the telephone, most people keep a large book

Many times this book will have colored pages, usually yellow

Open the book to the colored pages section and look for the heading Insurance

Here you will find the telephone numbers to people in your area who actually sell insurance. Imagine that.

Pick up the telephone and dial one of these numbers.

A friendly person will answer. This person will be either an insurance agent or a person that works for them. Ask this person your question. This person may ask you a few questions to get some added details. Have the VIN number of the vehicle getting covered by this policy handy if possible. If you do not own the vehicle yet and do not have the VIN then the year, make, and exact model will work.

In no time, you will have a quote on the price. HINT: A quote will be far more accurate than any wild guess that you might get here.

Write down some of the details on a piece of paper. Phone number, name of the person you spoke with, price, deductibles, coverage,etc.

Next, repeat the process using one of the other telephone numbers you found in the telephone book in the colored pages section under the heading insurance.

After you have spoken to at least a few insurance agents, you can start to compare prices, coverage, and deductibles. Then pick the insurance agent that has the best deal for you, call them back, and then strike a deal.

One last piece of advice. You are far better off going through a local insurance agent where you know them and they know you. Letís say a few months after you get your insurance you get broadsided by an uninsured motorist. Who would you rather be working with? A local person that you know and knows you. Or hear "Press 1 for English", pause "Your call is important to us. Please wait for the next available agent...Ē a very very long wait, then finally get someone from a far away call center that barely speaks English. Sometimes the cheapest insurance is not the best insurance. Think about it for a bit before you make your final decision.
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