1995 Ford Thunderbird Insurance Quotes – 9 Tips for Cheaper Rates

Looking for cheaper insurance rates for your Ford Thunderbird? Finding cheaper insurance for your Ford Thunderbird can be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to buy insurance and we’ll show you the proper way to quote coverages for a new or used Ford and find the best price possible from both online companies and local agents.

It is always a good idea to compare prices periodically because prices fluctuate regularly. Even if you got the lowest price on Thunderbird insurance last year you can probably find a better price now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the fastest way to lower your rates without sacrificing coverage.

Choosing the best insurance company for you is quite easy. If you have a current car insurance policy or are just looking to switch companies, you can use this information to get lower rates and still get good coverage. Drivers just need to understand the most effective way to get comparison rates online.

Compare the Market for Car Insurance

Performing a rate comparison can take hours if you aren’t aware of the most efficient way. You can waste hours driving to insurance companies in your area, or you could use the internet to get prices fast.

The majority of car insurance companies enroll in a system that enables customers to complete one form, and each company can provide price quotes determined by their information. This eliminates the need for quotation requests to each company.

To find out what other companies charge for 1995 Ford Thunderbird insurance click here to open in new window.

The one downside to using this type of system is that consumers can’t choose which companies to get pricing from. So if you want to select specific insurance companies to compare rates, we have a page of companies who write car insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just be sure to compare apples-to-apples coverage information for every quote you compare. If you compare differing limits it will be next to impossible to truly determine the lowest rate.

Save money by taking advantage of these nine discounts

Auto insurance companies don’t always advertise all their discounts very clearly, so we break down some of the best known as well as the least known ways to save on car insurance. If you’re not getting every credit you deserve, you are throwing money away.

  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of up to 25% or more.
  • Senior Citizens – Older drivers may qualify for a discount up to 10% on Thunderbird insurance.
  • Own a Home – Being a homeowner may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
  • New Car Discount – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount on Thunderbird insurance depending on your company.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save at least 10% off all policies.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

Companies that may have some of the above discounts include:

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts might not apply in your area.

When should I use an insurance agent?

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique.

For example, these questions can aid in determining whether or not you might need professional guidance.

  • Is my 1995 Ford Thunderbird covered for flood damage?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • If I drive on a suspended license am I covered?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

How can GEICO, State Farm and Progressive save drivers who switch?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like GEICO, State Farm and Progressive. They all seem to have a common claim that you’ll save big if you change to them.

How does each company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the right customer that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. Any new insured who matches those parameters is entitled to the best price and therefore will save a lot of money.

Consumers who do not match the “perfect” profile will have to pay higher rates and ends up with business going elsewhere. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can advertise the savings. Because of the profiling, you need to get quotes from several different companies. It’s impossible to know which car insurance company will provide you with the cheapest Ford Thunderbird insurance rates.

Car insurance 101

Knowing the specifics of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, damage from a tornado or hurricane and fire damage. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1995 Ford Thunderbird.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like surgery, nursing services and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as pain and suffering, medical services, medical expenses and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Collision coverage protection

This coverage covers damage to your Thunderbird resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, hitting a parking meter, rolling your car and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Have the Midas touch

Consumers who switch companies do it for any number of reasons including delays in paying claims, an unsatisfactory settlement offer, not issuing a premium refund or being labeled a high risk driver. It doesn’t matter why you want to switch finding the right insurance provider is not as difficult as it may seem.

In this article, we presented some good ideas how you can save on 1995 Ford Thunderbird insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising.

When shopping online for insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced liability limits or collision coverage only to regret that the savings was not a smart move. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

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