Question about Mustang insurance

**Flicktitty** · 01-22-2008, 12:46 AM

Been tossing around the idea latly about maybe getting a 03-04 Cobra but i had a question about what insurance companies do as far as what the classify that as. Can you just say it's a regular V8 Mustang? Or since it comes back with Cobra is that what they say it is? And how much more do you think it could be over a regular GT? i know i should just call but i'd be afraid that if i called i might jinx myself.

**88Nightmare** · 01-22-2008, 01:28 AM

grab the vin off one and call your insurance company for a quote. thats your best bet.

**Slow Joe** · 01-22-2008, 08:03 AM

Our Mach is about... 20-30 more per month than a GT... I'd assume that the Cobra would be a few more dollars more yet...

**theavenger333** · 01-22-2008, 08:54 AM

exactly what joe said, it'll be more. if you only insure a mustang GT, they'll only pay out for a mustang GT, not a cobra, if something did happen

**DRK** · 01-22-2008, 10:11 AM

actually they wouldn't have to cover anything if you lied about the car.

**Slow Joe** · 01-22-2008, 11:39 AM

Originally Posted by shimmy

actually they wouldn't have to cover anything if you lied about the car.

Quoted for Truth!

Then again with VIN numbers and decoders now a days, they'll catch ya anyways if you try to pass it off as something that it isn't...

**michelle** · 01-22-2008, 11:58 AM

Yeah I tried passing off the SHO as just a regular Taurus, but as soon as the adjuster put in the VIN, she asked if it was a SHO.

Get some quotes from different insurance companies (and the one you currently use) for the different models of Mustangs to see if the difference is worth it. You can also take into consideration while you are talking with the different insurance companies about storage insurance during certain months of the year, since chances are you wouldn't be driving a Cobra in winter. Since the cost may go down, you might be able to justify a bigger insurance cost during the rest of the year.

**Waver** · 01-22-2008, 12:01 PM

All are correct....that is why there are a few people out there who want a v8 fox and look for a 4 banger body and drop the 8 in....honestly for full coverage insurance, with your age, the price difference shouldnt make that much of a difference.....having a 2nd vehicle helps.....if you dont mind paying as much in insurance as your car payment, then go for it.

**DRK** · 01-22-2008, 12:05 PM

Yeah I was actually thinking more of engine swaps and such.
I know someone who was in a accident and actually wasn't covered because his tires were found to have been purposely under inflated. His passenger died and he went to prison, on top of that he was found guilty in a wrongful death suit for a gagillion $$.

**Flicktitty** · 01-22-2008, 12:56 PM

Originally Posted by shimmy

Yeah I was actually thinking more of engine swaps and such.
I know someone who was in a accident and actually wasn't covered because his tires were found to have been purposely under inflated. His passenger died and he went to prison, on top of that he was found guilty in a wrongful death suit for a gagillion $$.

well in this case i might just look for a GT With some work done to it. Or maybe i'll go back to my original Audi idea.

**Cjburn** · 01-22-2008, 05:00 PM

Flick, when I traded in my 06 tC for my 2000 GT, my insurance went from 120 a month full coverage to $72 a month. It may be cheaper than you think.

**Slow Joe** · 01-22-2008, 05:22 PM

Flick... Full Coverage on the Mach for me (22 with a few tickets here and there) is $160/mo, it did just drop from 183/mo though...

**Reverend Cooper** · 01-22-2008, 07:23 PM

my ins. went down alot with the added cars,house and being married plus over 25. it does cost me extra for all the add ons i have done. which is ok its covered if something happens.

**Slow Joe** · 01-22-2008, 07:45 PM

Originally Posted by Mike Dadick Cooper

my ins. went down alot with the added cars,house and being married plus over 25. it does cost me extra for all the add ons i have done. which is ok its covered if something happens.

I can't wait til kristie and I are married, and our insurance is cut in more than half...

**moels** · 01-22-2008, 08:26 PM

^^^^ and the sex stops! hahaha

had to say it Joe.

**moels** · 01-22-2008, 08:27 PM

Titty, are you thinking about a S197 style GT?

**Slow Joe** · 01-22-2008, 08:31 PM

Originally Posted by moels

Titty, are you thinking about a S197 style GT?

My guess is that he was referring to a New Edge (AKA 99-04)... But I don't know....

Oh and thanks Wayne...

**moels** · 01-22-2008, 08:45 PM

Just thought I'd put it out there in case he was interested in a nice S197.

You know I was kidding Joe.

**Slow Joe** · 01-22-2008, 08:58 PM

Originally Posted by moels

Just thought I'd put it out there in case he was interested in a nice S197.

You know I was kidding Joe.

I know...

**DirtyMax** · 01-22-2008, 09:56 PM

I think if you're young and have any sort of record with the DMV, the Termy is gonna have you bendin over with no lube. And nowadays all you give them is the VIN and they know what the car is. Get the VIN off one from ebay that's for sale and call it in. Hell, grab one from a same-year GT and have them run that too just for comparison.

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