2021 Ford Mustang Mach-E Insurance Rates in 2024 – 8 Ways to Save

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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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Want the cheapest insurance rates for your Ford Mustang Mach-E? Have you had enough of wondering where the money will come from to pay your insurance bill each month? Your situation is no different than many other consumers.

Numerous auto insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest rate

It’s important to take a look at other company’s rates every six months because insurance prices are variable and change quite frequently. Even if you think you had the best rates on Mustang Mach-E coverage a couple years back you will most likely find a better rate quote today. Block out anything you think you know about insurance because you’re about to find out the best way to reduce your cost while improving coverage.

If you have car insurance now, you should be able to save some money using these methods. Finding affordable coverage is quite easy. But car owners must know how insurance companies price online insurance and use this information to your advantage.

Compare car insurance rates

The are a couple different ways of comparing price quotes from different companies. The best method to find affordable Ford Mustang Mach-E insurance rates is to use the internet to compare rates. This is quite simple and can be completed in just a few minutes using one of these methods.

  1. Without a doubt, the easiest way to get quotes is a comparison rater form. This style of form keeps you from doing multiple quote forms to each individual car insurance company. A single, simple form will get you price quotes from multiple low-cost companies.
  2. A harder way to compare rate quotes requires a visit to each company’s website and request a quote. For example, we’ll assume you want to compare prices for Liberty Mutual, GEICO and American Family. In order to compare rates, you need to go to every website to input your insurance information, which can get rather old.
  3. The last method to find lower rates to all the different insurance agencies. The ability to get quotes online can eliminate the need for a local agent unless your situation requires the trained advice that you can only get from talking to an agent. If you prefer, some companies allow you to comparison shop your insurance online but have a local agent actually write the policy.

It’s your choice how you get your quotes, but be sure to compare the same coverage data for every company. If each company quotes mixed coverages you will not be able to determine the lowest rate for your Ford Mustang Mach-E. Just a small difference in insurance coverages or limits can result in a big premium difference. Just remember that comparing a large number of companies gives you a better chance of getting the best offered rates.

Auto insurance policy discounts

Auto insurance companies do not list every discount available very clearly, so we took the time to find both the well known in addition to some of the lesser obvious credits that you can use to lower your rates. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
  • Defensive Driver Discount – Participating in a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
  • Driver’s Education for Students – Teen drivers should complete a driver education course as it will make them better drivers and lower rates.
  • College Student – Children who are enrolled in a college that is more than 100 miles from home and don’t have a car could get you a discount.
  • Homeowners Savings – Simply owning a home can save you money because owning a home requires a higher level of personal finance.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • New Car Discount – Insuring a new car can save you some money compared to insuring an older model.
  • Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off on Mustang Mach-E coverage depending on your company.

We need to note that most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like you can get free auto insurance, nobody gets a free ride.

The best auto insurance companies and some of their more popular discounts are included below.

  • Mercury Insurance policyholders can earn discounts including multi-policy, location of vehicle, good driver, professional/association, and type of vehicle.
  • Farmers Insurance has discounts for electronic funds transfer, business and professional, alternative fuel, multi-car, youthful driver, mature driver, and early shopping.
  • Farm Bureau discounts include renewal discount, multi-policy, 55 and retired, youthful driver, safe driver, driver training, and good student.
  • State Farm may offer discounts for Steer Clear safe driver discount, good driver, student away at school, Drive Safe & Save, defensive driving training, accident-free, and multiple autos.
  • Allstate may include discounts for EZ pay plan discount, defensive driver, resident student, senior citizen, utility vehicle, premier plus, and new car.
  • GEICO may have discounts that include emergency military deployment, driver training, multi-policy, federal employee, good student, and anti-lock brakes.

When quoting, ask each company which discounts they offer. Discounts might not be offered in every state. To find insurance companies who offer discounts, enter your zip code here.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • Is my 2021 Ford Mustang Mach-E covered for flood damage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What are the best liability limits?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I afford low physical damage deductibles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Will my insurance pay for OEM parts?
  • Is business equipment covered while in my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Auto insurance coverage specifics

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.

Auto liability – Liability coverage provides protection from damage or injury you incur to other people or property. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical expenses, structural damage, pain and suffering and emergency aid. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Coverage for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses for things like prosthetic devices, EMT expenses, chiropractic care, X-ray expenses and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – This covers 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 pays for things like damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage and falling objects. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Mustang Mach-E.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

You can do this!

Cheap 2021 Ford Mustang Mach-E insurance can be found on the web as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some car insurance companies do not provide rates over the internet and many times these small insurance companies sell through independent agencies.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. In too many instances, drivers have reduced uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

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