2017 Ford GT Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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Looking for cheaper car insurance rates? Shoppers have lots of choices when shopping for affordable Ford GT insurance. They can either spend hours calling around trying to get quotes or save time using the internet to get rate quotes.

There are both good and bad ways to buy car insurance and we’ll show you the proper way to quote coverages for a Ford and locate the lowest price either online or from local insurance agents.

Save a ton with these discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that you may not even know about. Many of these discounts will be applied automatically at the time of purchase, but some may not be applied and must be specifically requested in order for you to get them. If you do not double check each discount available, you’re paying more than you need to.

  • Defensive Driver Discounts – Successfully completing a class that teaches defensive driver techniques may get you a small discount and easily recoup the cost of the course.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll in driver’s education in school.
  • Life Insurance Discount – Some insurance companies give lower premium rates if you buy life insurance from them.
  • Theft Deterrent – Cars and trucks that have factory anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • No Claims – Insureds who avoid accidents and claims can earn big discounts in comparison to policyholders that have many claims.
  • Discount for Switching Early – A few insurance companies give discounts for signing up early. You could save around 10% when you buy insurance coverage online.
  • Military Deployment Discount – Being deployed with a military unit could qualify you for better premium rates.
  • ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.

One last thing about discounts, some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free car insurance policy, companies wouldn’t make money that way. But all discounts should definitely cut your policy cost.

A list of car insurance companies and their possible discounts are included below.

  • State Farm policyholders can earn discounts including good driver, good student, multiple autos, multiple policy, defensive driving training, and accident-free.
  • Progressive includes discounts for good student, online signing, homeowner, online quote discount, continuous coverage, multi-policy, and multi-vehicle.
  • Travelers may offer discounts for IntelliDrive, continuous insurance, payment discounts, new car, and save driver.
  • American Family discounts include good student, good driver, bundled insurance, multi-vehicle, early bird, and air bags.
  • Liberty Mutual may have discounts that include newly retired, safety features, multi-policy, new move discount, hybrid vehicle, and good student.

If you need the cheapest insurance coverage quotes, ask every company to give you their best rates. Some credits might not be offered on policies in every state. To see providers that provide some of the discounts listed above, enter your zip code here.

Why smart buyers pay less for Ford GT insurance

It’s important that you understand the different types of things that go into determining your policy premiums. When consumers understand what impacts premium levels, this helps enable you to make changes that can help you get lower insurance coverage prices.

The itemized list below are a few of the things insurance coverage companies consider when setting your premiums.

  • Low credit history equals high premiums – A driver’s credit score is a big factor in your rate calculation. So if your credit score could use some work, you may save money insuring your 2017 Ford GT by repairing your credit. Drivers who have very good credit scores tend to be more responsible and file fewer claims than those with poor credit scores.
  • Raise coverage deductibles and save – The deductibles define the amount the insured will be required to pay if a claim is determined to be covered. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be a windshield broken by a bird, animal collisions, and damage from wind. The more damage repair cost the insured has to pay upfront, the better rate you will receive for GT insurance.
  • Premiums also based on gender – Statistics show women are more cautious behind the wheel. It does not mean males are worse at driving than females. Both genders are responsible for accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Premiums and your address – Being located in small towns and rural areas can be a good thing when talking about insurance coverage. Fewer drivers and short commutes means fewer accidents in addition to fewer liability claims. Urban drivers have much more traffic and a longer drive to work. More time commuting means more chance of being in an accident.
  • Rate your vehicle for proper use – The more miles you rack up on your Ford in a year the higher your rates will be. Many insurance companies calculate rates determined by how the vehicle is used. Cars and trucks left parked in the garage cost less to insure than vehicles that have high annual mileage. Improper usage on your GT is just wasting money. Double check that your policy is rated on the correct driver usage, because improper ratings can cost you money.
  • Get better premiums if you’re married – Being married helps lower the price when buying insurance coverage. Marriage may mean you are more stable financially and it’s statistically proven that married couples file fewer claims.
  • File a insurance coverage claims and pay more – If you are a frequent claim filer, don’t be surprised to see either a policy non-renewal or much higher rates. Auto insurance companies generally give most affordable rates to people who only file infrequent claims. Your insurance policy is designed for claims that pose a financial burden.
  • Combine policies to earn discounts – The majority of insurance coverage companies provide discounts to buyers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even with this discount, you may still want to comparison shop to guarantee you are still saving the most.

Insurance coverage can be complex

When buying coverage, there really is no perfect coverage plan. Each situation is unique.

For instance, these questions could help you determine if you would benefit from professional advice.

  • Can my babysitter drive my car?
  • Can I afford low physical damage deductibles?
  • How high should my medical payments coverage be?
  • Do I need roadside assistance coverage?
  • How much liability coverage do I need in my state?
  • Does liability extend to a camper or trailer?
  • Is other people’s property covered if stolen from my vehicle?
  • Exactly who is provided coverage by my policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, vandalism, falling objects, theft and hitting a bird. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for ambulance fees, EMT expenses and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford GT.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision – Collision coverage covers damage to your GT caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, colliding with another moving vehicle, hitting a parking meter, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability insurance – Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has 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 liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as pain and suffering, legal defense fees, repair costs for stationary objects, structural damage and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Pennies from heaven

Drivers change insurance companies for any number of reasons including policy cancellation, policy non-renewal, not issuing a premium refund or even questionable increases in premium. Regardless of your reason, finding the right insurance provider is not as difficult as it may seem.

You just learned some good ideas how to lower your 2017 Ford GT insurance prices. It’s most important to understand that the more companies you get rates for, the better likelihood of getting cheaper insurance coverage. You may even find the lowest priced insurance comes from some of the smallest insurance companies.

Affordable 2017 Ford GT insurance is definitely available from both online companies and with local insurance agents, so you need to quote insurance coverage with both to have the best rate selection. A few companies do not offer rate quotes online and most of the time these small insurance companies provide coverage only through local independent agents.

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