You cant shop insurance this way. Key drivers are credit score, yes this is true, MVR, zip code, and age. Call a local independent insurance agent who can shop numerous companies for you.
Ok. Someone explain this. I’m 56 and just bought a $50k GT Premium. Insurance is approx $460 for 6 months. My wife’s 21 Bronco Wildtrack ($58k) is approx $150 for 6 months.
I'll be 56 this year and have been using USAA for years.
Cannot speak to the Bronco, but the price you are referencing for the Mustang premiums, that's almost exactly what I will be paying for a full-coverage policy, $1,000 deductible and 100k/200k payouts.