View 1993 Ford Thunderbird Insurance Quotes

Trying to find lower insurance coverage rates for your Ford Thunderbird? Did you fall for a flashy sales pitch and buy high-priced insurance coverage? Trust us when we tell you many consumers feel financially strained by their insurance coverage policy. Big-name insurance companies like State Farm, Allstate, Geico and Progressive increase brand awareness with fancy advertisements and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

How to Get Cheap Insurance

Effectively comparing insurance prices can be a daunting task if you aren’t aware of the fastest way to get free quotes. You can waste hours talking about coverages with insurance agencies in your area, or you could save time and use the web to quickly compare rates.

The majority of car insurance companies participate in a marketplace where prospective buyers enter their policy data once, and at least one company can give them a price based on the submitted data. This eliminates the need for quotation requests for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

One minor caviat to comparing rates this way is that consumers can’t choose which providers to receive prices from. If you wish to select from a list of companies for rate comparison, we put together a list of low cost insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just compare identical deductibles and coverage limits for every quote you compare. If you use higher or lower deductibles it’s impossible to truly determine the lowest rate.

More discounts equal less premium

Auto insurance companies don’t always advertise every available discount very clearly, so we researched some of the best known and the more hidden ways to save on auto insurance. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Federal Employees – Simply working for the federal government can save as much as 8% on Thunderbird coverage with select insurance companies.
  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Student in College – Children living away from home attending college and don’t have a car may be able to be covered for less.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Thunderbird coverage than less cautious drivers.
  • Homeowners Savings – Owning a home can save you money because of the fact that having a home shows financial diligence.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.
  • Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.

Drivers should understand that most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

For a list of providers offering auto insurance discounts, click here.

Ford Thunderbird insurance rates have many determining factors

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Safer cars cost less to insure – Vehicles with good safety scores get lower rates. Safe vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If your Ford Thunderbird is rated at least four stars on Safercar.gov it may be receiving lower rates.
  • Sex matters – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Men and women are in accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like reckless driving and DUI.
  • An active claims history can cost you – If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance companies award cheaper rates to drivers who do not file claims often. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • The more you drive the more you pay – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Most companies rate vehicles determined by how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your auto insurance declarations sheet is showing the correct usage for each vehicle. Incorrect usage on your Thunderbird may be costing you.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse will be a quick way to pay more for auto insurance. Not only will you pay more, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.

It’s not one size fits all

When it comes to buying the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I rate my 1993 Ford Thunderbird as pleasure use or commute?
  • Is my babysitter covered when using my vehicle?
  • Do all my vehicles need collision coverage?
  • Do I have newly-aquired coverage?
  • What is medical payments coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Who is covered when they drive my 1993 Ford Thunderbird?
  • Can I afford low physical damage deductibles?
  • Will my rates increase for filing one claim?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Are you falling for claims of savings?

Consumers can’t get away from ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the companies say the same thing about savings if you change your coverage to them.

How does each company claim to save you money? It’s all in the numbers.

All companies can use profiling for the type of customer that earns them a profit. For instance, a preferred risk might be profiled as between 25 and 40, a clean driving record, and has a short commute. A customer getting a price quote who fits that profile receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who are not a match for the requirements must pay higher premiums which usually ends up with the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save that much money. That’s why companies can make the claims of big savings. This illustrates why you absolutely need to get as many comparisons as possible. It’s not possible to predict which insurance company will fit your personal profile best.

Detailed coverages of your car insurance policy

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Thunderbird.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, colliding with a tree, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, rock chips in glass, a broken windshield, hitting a bird and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance

This will cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as court costs, emergency aid and medical services. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for ambulance fees, doctor visits, funeral costs and EMT expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Find Good Coverage for Less

Budget-conscious 1993 Ford Thunderbird insurance is possible from both online companies and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some insurance providers may not provide online quoting and most of the time these smaller companies sell through independent agents.

You just learned a lot of tips how to shop for insurance online. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. You may even discover the best price on car insurance is with the smaller companies. These companies can often insure niche markets at a lower cost compared to the large companies like Geico and State Farm.

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