2005-2009 Mustang Information on The S197 {Gen1}

05 mustang insurance

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Old 8/22/04, 12:59 AM
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Originally posted by FineLineMtrSprts@August 21, 2004, 12:54 PM
Im sure it will be safer given its a bigger car...but the car being all new...parts costing more.....is what will make it more expensive to insure. The 04 has the same sheet metal since 99....think a 2005 fender will cost the same as an 04..not happenin. If the insurance company has to pay more for the parts...you are going to pay more to insure it.
Not really, better crash ratings, better alarm system, side airbags and bigger brakes will lower the insurance rate a little bit.
Old 8/22/04, 03:11 AM
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hey thanks guys for all the post. Well i was just fooling around and i put my dad as a primaryl driver for my 97 f-150, my mom as the primary driver of our 99 expedition, and me as the primary driver of a 04 dodge srt-4, and it came out to 3400.00 every 6 months.... so ya just to let ya know lol pretty high huh?
Old 8/22/04, 08:57 AM
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Originally posted by Grantsdale@August 21, 2004, 9:50 PM
Why doesn't everyone just go to the insurance sites and use their online quote pages? Its free... Most of the don't have the 05 Mustang yet, but 04 will give you a good high end estimate for each company.
i actually tried that a few months back w/ my insurance agent, progressive.

progressive ins. company

unfortunatly, because i'm already a policy holder, it wouldn't give me an online quote...it said i needed to call. :notnice: i was waiting until i had renewed my policy before i called them, which i've done now, so i guess when i've got some time to sit down and talk about it i'll give give it a shot.



i'm looking forward to finding out what the rates are going to be, but i'm not expecting too much of an increase. well at least not one that is within rason.
Old 8/22/04, 10:12 PM
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I don't think prices will be much different from 04's
Old 8/22/04, 10:17 PM
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Yeah, funny enough that when I tried Geico's online quote, the end result was also "Please call". I wonder if anyone actually gives quotes right away [as claimed] or if you HAVE to talk with a person and hear the sales pitch...
Old 8/23/04, 06:40 AM
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Got quoted at $975 for 6 months. That is with a discount from Allstate because I have my homeowner's insurance with them.

Progressive quoted me a couple hundred more.
Old 8/23/04, 07:05 AM
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Originally posted by autothing@August 22, 2004, 10:20 PM
Yeah, funny enough that when I tried Geico's online quote, the end result was also "Please call". I wonder if anyone actually gives quotes right away [as claimed] or if you HAVE to talk with a person and hear the sales pitch...
I've done it online with Geico and state farm and both of them give online quotes. After filling out a BUNCH of info. The price is not guaranteed however cause when you go to purchase a policy, they will actually check your record and if they find something that differs from what you said, it will influence the price.

When I got a geico quote for my previous quote, i tried to purchase online cause I thought it was pretty cheap. Only to find out that they were able to see a seat belt ticket on my record and that increased the policy by $300 every six months!!!!!! Whereas state farm initially was a tiny bit more expensive, but they either could not see the seat belt ticket or did not penalize me for it.
Old 8/24/04, 08:10 AM
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I got a quote last night for $646 for 6 months. I have my home and other vechicles insured with the same company. The quote was based off an 04 mustang with all the safety junk...
Old 8/24/04, 08:54 AM
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I'm with State Farm (and have been for about 3 years) and am 23 with a recently clean record (so my numbers are higher). My insurnace agent quoted me on an 04 Coupe at nearly $200 a month (painful! Also why I'm getting a 6) :bang:

From what my agent told me, initial pricing on the 05 Mustang will be nearly identical to the 04. Data such as theft ratings, cost of repair, accident statistics won't be available so they can't really raise or lower the rate. However, the year following the release of the car insurance rates could jump quite a bit.
Old 8/24/04, 11:08 AM
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Originally posted by Tony_montana87@August 21, 2004, 4:12 AM
Hey guys i was just looking at insurance for me and my dad and mom for my new car, i been considring the svt focus, srt-4, rx8, g35 ( pretty much out of the picture cause if insurance... ) and the 05 stang. I know insurance is goin to kill me on this only because im 17 but i'll b 18 in march dont know if it makes any diffrence. I havent got any tickets since i got my license last year in december.

Just wondering what u guys predict will happen with insurance, think it will be highet then the 04 gt's?
most likely cause of the higher hp huh? But ya just wondering what some of you guys are paying and are expecting to pay with your new 05 stangs. Thanks.
Ford Motor Company Insurance service 1-877-Ford Vip (1-877-367-3847) dial 8 at the automated voice, then 3053 John Tony Williams, Ford vehicle insurance agent at your service. 11:00 to 8:00 Monday to Friday.
Old 8/24/04, 11:38 AM
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I live in Jersey and everyone knows where my insurance rate will be. I was told by my agent that they in Jersey the insure mustang gt's like as if it were a ferrari.
Old 8/24/04, 04:25 PM
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I got a quote for an 05 Stang "GT" and I have to say it's alot cheaper than most of you have gotten....$390.00 every six months...Full coverage. WOW!
Old 8/24/04, 04:26 PM
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I also got a quote much lower than most have posted at 400.00 every 6 months.
Old 8/24/04, 06:36 PM
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Originally posted by My05Stang@August 24, 2004, 4:28 PM
I got a quote for an 05 Stang "GT" and I have to say it's alot cheaper than most of you have gotten....$390.00 every six months...Full coverage. WOW!
yeah that's about what i'm expecting. it will basically keep mine and my wifes insurance around the same per year, with only a slight increase. which i am expecting going from a 4cylinder to a v8. whoa mama!
Old 8/24/04, 06:51 PM
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Originally posted by kevinb120+August 22, 2004, 3:02 AM--></div><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td>QUOTE (kevinb120 @ August 22, 2004, 3:02 AM)</td></tr><tr><td id='QUOTE'> <!--QuoteBegin-FineLineMtrSprts@August 21, 2004, 12:54 PM
Im sure it will be safer given its a bigger car...but the car being all new...parts costing more.....is what will make it more expensive to insure. The 04 has the same sheet metal since 99....think a 2005 fender will cost the same as an 04..not happenin. If the insurance company has to pay more for the parts...you are going to pay more to insure it.
Not really, better crash ratings, better alarm system, side airbags and bigger brakes will lower the insurance rate a little bit. [/b][/quote]
I think theoretically it "should" be lower, but we are talking about insurance companies here......I think the best we can hope for is for rates to stay the same.

Insurance companies can kiss my
Old 8/25/04, 08:32 AM
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I'm guessing those of you getting sub $600 per 6-month numbers have....

A) Over 25
B.) Married
C) Other Insurance/Accounts with insurer
D) Long standing clean record
E) Long standing account with insurer
F) Have states where car insurance is generally lower

My ex is from Montana and car insurance is dirt cheap compared to Washington.
Old 8/25/04, 08:39 AM
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I got $480 per six months for a v6--Same as insurance on my Bore-Lero.
and $730 per six for a GT.


My record Is clean- My husband has a leadfoot.
Old 8/25/04, 09:37 AM
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I'm guessing those of you getting sub $600 per 6-month numbers have....

A) Over 25
B.) Married
C) Other Insurance/Accounts with insurer
D) Long standing clean record
E) Long standing account with insurer
F) Have states where car insurance is generally lower

...you guessed correct. All of the above.
Old 8/25/04, 10:38 AM
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Originally posted by Stadifer@August 25, 2004, 8:35 AM
I'm guessing those of you getting sub $600 per 6-month numbers have....

A) Over 25
B.) Married
C) Other Insurance/Accounts with insurer
D) Long standing clean record
E) Long standing account with insurer
F) Have states where car insurance is generally lower

My ex is from Montana and car insurance is dirt cheap compared to Washington.
a.) yes
b.) yes
c.) no
d.) not really. i think my last ticket just rolled off before this renewal
e.) yes, 5 years. my insurance just went down 35% this year. :shock:
f.) not sure. i live in texas, so i'd imagine it wouldn't be too low. but deffinatly not california or new york prices.

i am insuring two cars though for $1222.00 a year. 50/100/50. guess we'll see.

Old 8/25/04, 10:43 AM
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Progressive Insurance qoute for 04 v6 V8 and cobra with 250k/500k/250k and $500 coll/$100 comp deductable.
v6: $300
v8: $360
cobra: $440

over 25, married, no tickets, no accidents, low state insurance.


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