Lower Your 1991 Ford Thunderbird Insurance Rates

Want lower insurance rates for your Ford Thunderbird? Trying to find low-cost insurance for your Ford Thunderbird can normally be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to compare insurance rates and you need to know the best way to compare rates for a Ford and find the lowest price.

Finding affordable coverage is not rocket science. If you are insured now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Drivers just need to know the tricks to shop for insurance over the internet.

The quickest way to compare rates is to know auto insurance companies pay for the opportunity to give you rate quotes. The one thing you need to do is spend a couple of minutes providing details such as if you lease or own, your job, if a SR-22 is needed, and if you have an active license. That rating information is submitted instantly to multiple companies and you should receive rate quotes quickly.

Get cheaper insurance rates with discounts

Insurance is not cheap nor is it fun to buy but you may find discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but a few must be specifically requested prior to receiving the credit. If they aren’t giving you every credit you deserve, it’s possible you qualify for a lower rate.

  • Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Buy New and Save – Insuring a vehicle that is new can get you a discount due to better safety requirements for newer vehicles.
  • Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.
  • Multiple Cars – Buying insurance for several vehicles on a single policy qualifies for this discount.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and will save you 10% or more.

Policy discounts save money, but most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Larger insurance companies and some of the discounts include:

  • Progressive may have discounts that include good student, online signing, multi-vehicle, multi-policy, online quote discount, continuous coverage, and homeowner.
  • SAFECO discounts include multi-car, anti-theft, drive less, bundle discounts, teen safety rewards, and accident prevention training.
  • American Family policyholders can earn discounts including early bird, defensive driver, air bags, good student, bundled insurance, Steer into Savings, and mySafetyValet.
  • MetLife offers discounts for good student, accident-free, multi-policy, claim-free, good driver, defensive driver
  • GEICO has savings for driver training, multi-policy, military active duty, membership and employees, defensive driver, good student, and anti-lock brakes.
  • The Hartford may include discounts for good student, air bag, vehicle fuel type, bundle, and anti-theft.

Double check with each company or agent how many discounts you can get. All car insurance discounts may not apply to policies in your state. To view insurers who offer cheap insurance quotes, click here to view.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For example, these questions could help you determine whether you will benefit from professional help.

  • Do I need more liability coverage?
  • Should I rate my 1991 Ford Thunderbird as pleasure use or commute?
  • What if I don’t agree with a claim settlement offer?
  • I don’t drive much so do I pay less?
  • How does medical payments coverage work?
  • Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, a tree branch falling on your vehicle and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability – Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things such as court costs, medical expenses, emergency aid, medical services and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like X-ray expenses, EMT expenses, surgery, pain medications and hospital visits. The coverages 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 being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision – This covers damage to your Thunderbird resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, rolling your car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Ford Thunderbird.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

A penny earned…

More affordable auto insurance is available on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers may not provide rate quotes online and usually these smaller providers prefer to sell through independent agents.

Consumers switch companies for many reasons like delays in paying claims, lack of trust in their agent, questionable increases in premium and an unsatisfactory settlement offer. Regardless of your reason, finding a new company can be easier than you think.

When searching for inexpensive insurance quotes, do not skimp on coverage in order to save money. There are too many instances where an insured dropped uninsured motorist or liability limits and learned later that it was a big mistake. The proper strategy is to find the BEST coverage at the best price, but do not skimp to save money.

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