2018 Ford GT Insurance Quotes 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 better auto insurance rates for your Ford GT? Paying for expensive Ford GT insurance can stress out your personal savings and make it hard to pay other bills. Performing a price comparison can be a smart way to lower your bills every month.

Because you have many companies to choose from, it is very difficult to choose the lowest cost auto insurance company.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. But drivers need to have an understanding of how big insurance companies price online insurance because it can help you find the best coverage.

Buy auto insurance online

Most larger insurance companies provide coverage prices on the web. This process is very simple because you just enter your personal and coverage information into the quote form. When the form is submitted, their system requests credit information and your driving record and returns a price based on these factors. Quoting online helps simplify price comparisons, but the time it takes to visit a lot of sites and fill out multiple forms is monotonous and tiresome. But it’s necessary to compare as many rates as possible in order to find the best price on auto insurance.

A less time-consuming method to find better auto insurance pricing is to use a quote form that gets price quotes from several companies at one time. This type of form saves time, eliminates form submissions, and makes online quotes much easier. As soon as the form is sent, your coverage is rated and you can select any one of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process takes just a few minutes to complete and can result in significant savings.

To compare rates using this form now, simply enter your zip code here and input your coverage information. If you have coverage now, it’s recommended you complete the form with the coverages as shown on your current policy. Using the same limits helps guarantee you will be getting rate comparison quotes based on similar coverages.

Discounts to earn cheap insurance coverage rates

Insuring your fleet can be pricey, but you might already qualify for some discounts that may help make it more affordable. Some trigger automatically at the time of purchase, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Telematics Data Discounts – Drivers who elect to allow their insurance coverage company to analyze when and where they use their vehicle by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they are good drivers.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Mature Driver Discount – Seniors can possibly qualify for a slight reduction on a auto insurance quote for GT coverage.
  • Low Mileage Discounts – Fewer annual miles on your Ford could be rewarded with lower premium rates on the low mileage vehicles.
  • Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.
  • Student Discount for Driver Training – Require your teen driver to enroll and complete driver’s education as it can save substantially.
  • Life Insurance Discount – Select insurance coverage companies reward you with a discount if you purchase auto and life insurance together.
  • Distant Student – Kids who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
  • New Car Discount – Putting insurance coverage coverage on a new car can get you a discount since new model year vehicles have better safety ratings.

As is typical with insurance, most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. But all discounts should definitely cut the cost of your policy.

Companies and their offered discounts include:

  • GEICO offers premium reductions for anti-theft, five-year accident-free, multi-vehicle, daytime running lights, and good student.
  • Travelers discounts include good student, save driver, hybrid/electric vehicle, student away at school, multi-car, and payment discounts.
  • Farm Bureau policyholders can earn discounts including safe driver, good student, 55 and retired, multi-policy, youthful driver, driver training, and multi-vehicle.
  • Liberty Mutual may offer discounts for newly married, good student, preferred payment discount, teen driver discount, multi-policy, new graduate, and multi-car.
  • American Family offers discounts including defensive driver, good student, early bird, accident-free, TimeAway discount, multi-vehicle, and air bags.
  • Progressive may have discounts that include online quote discount, multi-vehicle, good student, homeowner, continuous coverage, online signing, and multi-policy.

Before you buy a policy, ask each insurance company which discounts can lower your rates. Some credits may not be offered in your area.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there is no one size fits all plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might point out if your situation will benefit from professional help.

  • Do I need higher collision deductibles?
  • Do I have coverage if my license is suspended?
  • Am I covered when using my vehicle for business?
  • If my 2018 Ford GT is totaled, can I afford another vehicle?
  • How much liability do I need to cover my assets?
  • When would I need rental car insurance?
  • Should I have a commercial auto policy?
  • What if I total my 2018 Ford GT and owe more than it’s worth?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete your zip code.

Auto insurance coverages

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages offered by car insurance companies.

Liability auto insurance – This protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as bail bonds, emergency aid, legal defense fees, funeral expenses and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as damaging your car on a curb, crashing into a building, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Ford GT.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for expenses such as funeral costs, pain medications and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

In the end, you save

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured cut collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Cheap 2018 Ford GT insurance can be purchased from both online companies and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who do not provide price quotes online and most of the time these smaller companies sell through independent agents.

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