1991 Ford Thunderbird Car Insurance Quotes

Want lower insurance coverage rates for your Ford Thunderbird? Have you fallen victim to high-priced insurance coverage? Believe me, you’re not the only one.

With so many choices of insurance companies, it can be challenging to locate the right car insurance company.

Consumers should take time to do rate comparisons before your policy renews because prices trend upward over time. Just because you found the best deal on Thunderbird coverage six months ago there may be better deals available now. There is a lot of bad advice regarding insurance coverage online but with this article, you’re going to get some guaranteed methods to buy insurance coverage cheaper.

Choosing the best insurance company for you is easy if you know what you’re doing. Just about everyone who carries insurance most likely will be able to reduce their rates. Nevertheless, vehicle owners must know the way companies market insurance on the web because it can help you find the best coverage.

Discounts are great for lower rates

Auto insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Resident Student – Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Save over 55 – Mature drivers may be able to get reduced rates on Thunderbird coverage.
  • Paperwork-free – Certain companies will give a small break for buying your policy digitally online.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Auto/Life Discount – Some companies give better rates if you take out life insurance from them.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

For a list of insurance companies with the best auto insurance discounts, follow this link.

The easiest way to compare car insurance rates is to take advantage of the fact most of the bigger providers provide online access to give rate comparisons. All consumers are required to do is provide information such as your education level, if a SR-22 is needed, the make and model of your vehicles, and if the vehicle is leased. The rating information is then sent to all major companies and you will receive price estimates immediately.

To compare multiple company rates now, click here and find out if lower rates are available.

Ford Thunderbird rates are in the details

It’s important that you understand the different types of things that help determine your insurance rates. Knowing what determines base rates enables informed choices that can help you get much lower annual insurance costs.

  • Your job and insurance rates – Careers like judges, business owners and stock brokers tend to have the highest rates in part from job stress and long work hours. On the other hand, occupations such as farmers, students and the unemployed receive lower rates on Thunderbird coverage.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a quick way to bump up your insurance costs. And not only will insurance be more expensive, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • Lower rates come with age – Mature drivers tend to be more responsible, file fewer claims and get fewer tickets. Young drivers are known to be more careless in a vehicle therefore insurance rates are much higher.
  • Do you need those extra coverages? – There are a lot of additional coverages that can waste your money on your insurance policy. Coverages for rental car reimbursement, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment initially, but if they’re wasting money eliminate them to save money.

You may need specialized coverage

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight if your situation may require specific advice.

  • Do I need higher collision deductibles?
  • What discounts do I qualify for?
  • Does my 1991 Ford Thunderbird qualify for pleasure use?
  • Do I need replacement cost coverage?
  • What happens if I owe more than my 1991 Ford Thunderbird is worth?
  • I have a DUI can I still get coverage?
  • Do I have newly-aquired coverage?
  • Do I have coverage when making deliveries for my home business?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Misconceptions in insurance coverage advertisements

Insurance coverage providers like Progressive, Allstate and GEICO regularly use ads on TV and radio. They all make the same claim that you can save if you move your policy. How can each company say the same thing?

All companies have a certain “appetite” for the right customer that earns them a profit. A good example of a driver they prefer could possibly be between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. Any new insured who fits that profile gets the lowest rates and therefore will save when switching.

Potential insureds who are not a match for these standards will be charged higher rates and ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently make those claims. That is why drivers should compare as many rates as you can. Because you never know which insurance companies will provide you with the cheapest Ford Thunderbird insurance rates.

Specific coverage details

Learning about specific coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from car insurance companies.

Liability coverage

This coverage protects you from damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like emergency aid, attorney fees and medical services. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as chiropractic care, surgery, rehabilitation expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, falling objects, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Thunderbird.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

Collision coverage will pay to fix damage to your Thunderbird resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Spend less. Save more.

As you prepare to switch companies, never sacrifice coverage to reduce premiums. There are too many instances where an insured dropped collision coverage only to regret they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at an affordable rate.

In this article, we presented a lot of tips how to shop for 1991 Ford Thunderbird insurance online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

Cost effective insurance can be found both online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some car insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

Additional learning opportunities