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Best Auto Insurance for Shelbys

This is a discussion on Best Auto Insurance for Shelbys within the Mustang GT350 General Discussions forums, part of the Mustang GT350 Forum category; I fully understand that for the most part car insurance is car insurance. But when most consider age and depreciation, which car insurance is better ...

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Thread: Best Auto Insurance for Shelbys

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    Senior Member DTorres31's Avatar
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    Best Auto Insurance for Shelbys

    I fully understand that for the most part car insurance is car insurance. But when most consider age and depreciation, which car insurance is better as far as coverage goes? I have Farmers, which is what I have for the other vehicles in my household. Any recommendations out there? Right now my rate is approximately 425.00 every 6 months.

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    Senior Member GT_Dave's Avatar
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    It depends on the coverage and deductible that you want for your car. I also have Farmers, it is costing me $370 for 12 months to add my GT350.

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    Senior Member rob-wl's Avatar
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    Quote Originally Posted by GT_Dave View Post
    It depends on the coverage and deductible that you want for your car. I also have Farmers, it is costing me $370 for 12 months to add my GT350.
    Wow - $370 for 12 months is a great price. I've been with Farmers for 40-years and carry my GL, Umbrella, Property, Personal Property, Earthquake (I live in California) and presently 4 vehicles with them and I'm not close to that low of an annual premium.

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    Senior Member rob-wl's Avatar
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    Quote Originally Posted by rob-wl View Post
    Wow - $370 for 12 months is a great price. I've been with Farmers for 40-years and carry my GL, Umbrella, Property, Personal Property, Earthquake (I live in California) and presently 4 vehicles with them and I'm not close to that low of an annual premium.
    ...and yes, I just put a call into my Farmers Agent!

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    Senior Member DTorres31's Avatar
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    I am with Rob! I have been with Farmers for several years and also have multi vehicle and home insurance. Not even close! No accidents and great credit. Thanks for the input I will be shopping around.
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    Senior Member rob-wl's Avatar
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    Quote Originally Posted by rob-wl View Post
    ...and yes, I just put a call into my Farmers Agent!
    Okay - I spoke with my Farmers Agent and got a little reduction in my annual premium. Since I did not respond to their annual mileage survey, they automatically bumped me up to over 5,000 miles per year. I am now back down to 0 to 5,000 miles per year and am paying a little over $1,000 in annual premiums. I think I'll still shop around a bit more.
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    Car insurance coverage can be very expensive depending on your driving records, car models, and generally the likelihood of you being involved in an accident. There are, fortunately, many ways to save on car insurance, but the general rule is to avoid purchasing coverage that you don't need. Why not raise your insurance deductible and become eligible for lower rates? Raising your deductible from $250 to $1000, or even $1500 per accident would save you hundreds of dollars per year on your insurance, about 40%, and you would still be protected from losing your life savings should you cause an accident. Get all your doubts clear before buying one. Go through this reference, for more information or help.

    I am currently working in this estimate for the auto insurance renewal for my car.
    Bodily Injury $250,000 per person/$500,000 per accident
    Property Damage $100,000 per accident
    Personal Injury Protection $2,500 per person
    Uninsured/Underinsured Motorists
    Bodily Injury $250,000 per person/$500,000 per accident
    Property Damage $100,000 per accident- $250 deductible
    Physical Damage Comprehensive - $50 deductible
    Though it is yet to be final, still working on it.
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    Senior Member DTorres31's Avatar
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    Thanks for the detailed input. I got my rates lowered but not as low as others mentioned on here previously.

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    Farmers just dropped me because they have decided not to underwrite in Delaware anymore. I do have reasonable coverage, but everyone wants an arm and a leg here. Some wouldn't cover me due to having four cars--I am the only driver. I am going to drop two cars but that made little difference

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    Senior Member DTorres31's Avatar
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    Wow! I was not dropped, I still have Farmers. But apparently in Texas, you are not allowed to have more than three vehicles on one policy either. Good Luck!

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