View 2019 Ford Shelby GT350 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: Apr 6, 2024

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Looking for lower car insurance rates for your Ford Shelby GT350? Finding low-cost insurance for a Ford Shelby GT350 could be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to shop for car insurance and we’ll show you the proper way to compare rates for a new or used Ford and get the best price possible either online or from local insurance agents.

Consumers should take time to compare rates as often as possible because rates are variable and change quite frequently. Just because you had the best deal for Shelby GT350 insurance last year you may be paying too much now. Block out anything you think you know about car insurance because it’s time to teach you the quickest way to lower your annual insurance bill.

How to buy insurance coverage

The majority of larger companies like Progressive, Allstate and GEICO allow you to get insurance quotes from their websites. Comparing prices online is fairly simple as you just enter the amount of coverage you want on the page. After the form is submitted, their rating system obtains reports for credit and driving violations and returns a price based on these and other factors.

Being able to quote online makes it simple to compare prices but the process of having to visit different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes if you want to get better prices.

The easy way to compare rates

The smarter way to lower your rates uses just one form that analyzes rates from many companies. It saves time, eliminates repetitive work, and makes online shopping a lot less work. After your information is entered, it is rated with multiple companies and you can pick your choice of the returned quotes. If you find a better price you can simply submit the application and buy the policy. It can be completed in less than 10 minutes and you will know how your current rates stack up.

To compare rates now, simply enter your zip code here and enter your information. To compare your current rates, we recommend you input the coverages as close as possible to your current policy. Doing this assures you will have rate quotes for the exact same coverage.

Insurance policy discounts you can’t miss

Some companies don’t always advertise their entire list of discounts in a way that’s easy to find, so the following list contains some of the best known and also the more inconspicuous savings tricks you should be using when you buy car insurance online. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

  • Active Military Service – Being on active deployment in the military may qualify for rate reductions.
  • Homeowners Discount – Being a homeowner can save a few bucks because of the fact that having a home is proof of financial responsibility.
  • ABS Braking Discount – Cars with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
  • Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
  • Drive Safe and Save – Safe drivers could pay up to 40% less for Shelby GT350 insurance as compared to drivers with claims.
  • Bundle and Save – When you combine your home and auto insurance with the same company you could save approximately 10% to 15%.
  • Drive Less and Save – Driving fewer miles may enable drivers to earn slightly better prices than normal.
  • E-sign Discounts – A few insurance companies will give you a small discount just for signing your application on their website.
  • Drivers Ed for Students – It’s a good idea to have your young drivers enroll in driver’s education if it’s offered in school.

Consumers should know that some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Larger insurance companies and a selection of discounts are outlined below.

  • GEICO offers discounts for anti-lock brakes, five-year accident-free, anti-theft, federal employee, multi-policy, multi-vehicle, and air bags.
  • MetLife may include discounts for good driver, good student, multi-policy, claim-free, accident-free, and defensive driver.
  • Progressive offers discounts including homeowner, continuous coverage, multi-vehicle, good student, online signing, multi-policy, and online quote discount.
  • Travelers may have discounts that include save driver, IntelliDrive, early quote, payment discounts, good student, new car, and continuous insurance.
  • SAFECO discounts include safe driver, multi-car, accident prevention training, anti-lock brakes, and teen safety rewards.
  • AAA has discounts for multi-car, good driver, anti-theft, education and occupation, pay-in-full, and AAA membership discount.

If you need lower rates, check with all the companies to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To see insurers that have a full spectrum of discounts, enter your zip code here.

Lower your insurance costs

Many things are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving record, but others are more transparent such as your marital status or how safe your car is. One of the most helpful ways to save on insurance coverage is to to have a grasp of the rating factors that are used to determine the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that could result in better insurance coverage rates.

The factors shown below are some of the most common factors that factor into your prices.

  • Your location is important – Having an address in less populated areas has definite advantages when trying to find low car insurance rates. Drivers in populated areas have more auto accidents and longer commutes to work. Fewer drivers means less chance of accidents and also fewer theft and vandalism claims.
  • See if your company offers a multi-policy discount – Most insurers will award a discount for people who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare rates to verify if the discount is saving money.
  • Pay more of a claim out-of-pocket – Your deductibles represent how much money you are required to pay if you file a covered claim. Protection for physical damage, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply are collision with another vehicle, collision with a deer, or theft of your vehicle. The more damage repair cost you have to pay, the less your company will charge you for insurance for Shelby GT350 insurance.
  • How’s your driving record? – Good drivers have lower premiums compared to bad drivers. Getting just one moving violation could increase your next policy renewal by twenty percent. Drivers who have serious citations like DWI, reckless driving or hit and run convictions are required to file a SR-22 with the DMV in their state in order to continue driving.

Insurance agents can help

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.

For example, these questions can aid in determining whether you might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • What if I total my 2019 Ford Shelby GT350 and owe more than it’s worth?
  • What if I don’t agree with a claim settlement offer?
  • What is medical payments coverage?
  • Am I covered when delivering products for my home-based business?
  • When should I not file a claim?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Do drivers who switch really save?

Drivers constantly see and hear ads that promise big savings by companies like Progressive, Allstate and GEICO. All the companies advertise claims about how much you will save if you change your policy.

Is it even possible that every company can claim to save you money? This is how they do it.

Most companies quote their cheapest rates for the type of driver that earns them a profit. One example of this type of risk profile might be described as over the age of 50, is a homeowner, and the vehicle is rated for pleasure use. Any new insured who meets those qualifications will most likely get cheap rates and therefore will pay quite a bit less when switching companies.

Potential insureds who are not a match for the requirements will probably have to pay higher rates with the end result being the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can advertise the savings. This emphasizes why it’s extremely important to get as many free car insurance quotes as possible. It’s not possible to predict which auto insurance company will have the lowest rates.

Information about specific coverages

Understanding the coverages of car insurance can be of help when determining the right coverages for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive car insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, damage from flooding, rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical expenses and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This will pay to fix damage to your Shelby GT350 caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills like nursing services, doctor visits, dental work, X-ray expenses and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Have the Midas touch

In this article, we covered many ways to save on 2019 Ford Shelby GT350 insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding the cheapest car insurance. Consumers may even find the lowest rates come from the smaller companies.

As you restructure your insurance plan, you should never buy poor coverage just to save money. There are too many instances where someone sacrificed liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage at the lowest possible cost while still protecting your assets.

Consumers change insurance companies for a variety of reasons including being labeled a high risk driver, questionable increases in premium, lack of trust in their agent or even delays in paying claims. No matter why you want to switch, finding a new auto insurance company is less work than it seems.

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