View 2004 Ford Thunderbird Car Insurance Rates

Looking for cheaper auto insurance rates? Shoppers have a choice when shopping for affordable Ford Thunderbird insurance. They can either waste time calling around trying to get quotes or use the internet to find the lowest rates.

There are both good and bad ways to shop for auto insurance and we’ll show you the proper way to quote coverages for your Ford and find the best price possible either online or from local insurance agents.

It’s a good idea to shop coverage around quite often because prices are variable and change quite frequently. Just because you had the lowest price for Thunderbird insurance on your last policy the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about auto insurance because we’re going to show you the proper way to reduce your cost while increasing coverage.

The purpose of this article is to tell you how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you will most likely be able to save some money using these methods. Drivers just need to learn how to compare rates over the internet.

How to Get Cheap Insurance Coverage

Getting better 2004 Ford Thunderbird insurance coverage pricing can be quick and easy. Just spend a few minutes getting comparison quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

  1. The fastest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do separate forms for each company. One form submission gets you price quotes from multiple companies. Just one form and you’re done.
  2. A less efficient way to find lower rates is spending the time to visit the website of each company to complete a price quote. For example, we’ll assume you want to compare rates from USAA, Progressive and State Farm. You would have to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient way to get comparison rates is driving around to and from local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you require the trained guidance only provided by licensed agents. Drivers can comparison shop online but buy from a local insurance agent.

It’s up to you which method you use, but ensure you are comparing apples-to-apples quote information for each price quote. If the quotes have differing limits it will be very difficult to determine which rate is truly the best.

You probably qualify for some discounts

Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but a few must be requested specifically before they will apply. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may save at least 10% off all policies.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Own a Home – Simply owning a home can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way. But all discounts will help reduce your overall premium however.

For a list of insurers who offer auto insurance discounts, click here.

There’s no such thing as the perfect policy

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

For example, these questions can aid in determining if your situation might need professional guidance.

  • Does medical payments coverage apply to all occupants?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How do I insure my teen driver?
  • Is there coverage for injuries to my pets?
  • Is my nanny covered when driving my vehicle?
  • How can I find cheaper teen driver insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Your Ford Thunderbird insurance rate is a complex equation

Consumers need to have an understanding of the different types of things that play a part in calculating your insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that could result in much lower annual insurance costs.

Shown below are some of the factors used by your company to calculate premiums.

  • The more you drive the more you pay – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your Thunderbird may be costing you.
  • No coverage gaps is important – Allowing your insurance policy to lapse will be a sure-fire way to pay more for insurance. Not only will you pay more, failure to provide proof of insurance might get you a license revocation or jail time.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Better credit means lower rates – A driver’s credit rating is a large factor in determining your rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores. If your credit history can use some improvement, you could be paying less to insure your 2004 Ford Thunderbird by improving your rating.
  • High crash test scores lower rates – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Ford Thunderbird has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Consolidate policies to earn discounts – The majority of insurance companies will award you with lower prices to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to compare rates to make sure you are getting the best deal.
  • Men are more aggressive – Statistics have proven that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Women and men cause accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like DUI and reckless driving.
  • You might want pay the small claims yourself – Companies award cheaper rates to drivers who are claim-free. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Insurance coverage is designed for major claims that would cause financial hardship.
  • Don’t get talked into coverage you don’t need – There are many additional coverages you can purchase on your insurance policy. Things like vanishing deductibles, better glass coverage and membership fees are some examples. These coverages may sound good when talking to your agent, but your needs may have changed so remove them from your policy.

Car insurance 101

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability – This coverage can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like attorney fees, medical expenses, funeral expenses, court costs and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Thunderbird.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as X-ray expenses, funeral costs and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision – This coverage covers damage to your Thunderbird resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, scraping a guard rail, rolling your car, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Cheaper insurance is a realistic goal

You just read a lot of techniques to lower your 2004 Ford Thunderbird insurance rates. The key thing to remember is the more quotes you get, the better your comparison will be. Drivers may discover the best prices are with the least-expected company.

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage for the lowest price.

Drivers switch companies for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, policy non-renewal and policy cancellation. No matter why you want to switch, choosing a new insurance company is actually quite simple.

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