1993 Ford Thunderbird Car Insurance Cost

No normal person fancies paying their premiums for car insurance, especially when they are aware that their premiums are too high.

People have multiple insurers to purchase coverage from, and even though it’s nice to be able to choose, more choices can make it harder to get the best deal.

It’s a good habit to take a look at other company’s rates occasionally since prices fluctuate regularly. Just because you found the best deal for Thunderbird coverage on your last policy you may be paying too much now. Forget all the misinformation about car insurance because we’re going to show you one of the best ways to find better rates and still maintain coverage.

This information will teach you how to effectively get price quotes and some tricks to saving. If you have car insurance now, you should be able to cut costs considerably using this information. Although drivers can benefit from knowing the way insurance companies sell insurance online and apply this information to your search.

Lower-cost auto insurance rates with discounts

Auto insurance is not inexpensive, but you may be missing some discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but less common discounts must be requested specifically prior to receiving the credit.

  • Sign Early and Save – A few insurance companies allow discounts for signing up before your current expiration date. This discount can save up to 10%.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a discount if you purchase some life insurance too.
  • Low Mileage Discounts – Driving less can qualify you for slightly better premium rates than normal.
  • Good Student – Getting good grades may save you up to 25%. This discount can apply up to age 25.
  • Defensive Driver Discount – Taking part in a course in driver safety is a good idea and can lower rates and make you a better driver.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.

Discounts save money, but please remember that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.

Popular auto insurance companies and their possible discounts are:

  • Farm Bureau policyholders can earn discounts including multi-policy, youthful driver, safe driver, good student, 55 and retired, driver training, and multi-vehicle.
  • MetLife may include discounts for good driver, multi-policy, defensive driver, good student, and accident-free.
  • Progressive includes discounts for continuous coverage, online signing, online quote discount, multi-policy, and multi-vehicle.
  • AAA may have discounts that include education and occupation, good student, multi-car, anti-theft, multi-policy, AAA membership discount, and good driver.
  • American Family may offer discounts for mySafetyValet, air bags, good driver, early bird, Steer into Savings, TimeAway discount, and defensive driver.
  • GEICO offers premium reductions for military active duty, driver training, five-year accident-free, membership and employees, anti-theft, and air bags.
  • State Farm has discounts for defensive driving training, accident-free, multiple policy, student away at school, Drive Safe & Save, passive restraint, and good driver.

Before you buy a policy, ask each company or agent how many discounts you can get. Depending on the company, some discounts may not apply to policies in your area. To choose insurance companies with discount auto insurance rates, click this link.

Tailor your car insurance coverage to you

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation may require specific advice.

  • Does insurance cover damages from a DUI accident?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have a DUI can I still get coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Who is covered when they drive my 1993 Ford Thunderbird?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is pleasure use cheaper than using my 1993 Ford Thunderbird to commute?
  • What if I total my 1993 Ford Thunderbird and owe more than it’s worth?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Insurance coverage in the media

Respected companies like Allstate, GEICO and Progressive seem to constantly run ads in print and on television. They all seem to tend to make the same promise that you can save just by switching your insurance coverage policy to them. How do they all give you a better price? It’s all in the wording.

Companies have specific criteria for the driver that will not have excessive claims. One example of a profitable insured may need to be between the ages of 30 and 50, has no prior claims, and drives less than 7,500 miles a year. Someone who matches those parameters may get the lowest car insurance rates and therefore will save money with a new company.

People who don’t meet this ideal profile must pay a higher premium which results in the customer buying from a different company. If you listen to the ad wording, they say “drivers that switch” but not “all drivers who get quotes” save that kind of money. That’s why companies can truthfully make those claims.

Because of these techniques, it is so important to compare free insurance coverage quotes often. It is impossible to predict which insurance coverage company will have the best car insurance rates.

Auto insurance coverages explained

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from auto insurance companies.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for expenses like nursing services, pain medications, funeral costs, X-ray expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverage – This coverage can cover damage that occurs to other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things such as repair bills for other people’s vehicles, attorney fees, structural damage and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive protection – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, vandalism, a tree branch falling on your vehicle, damage from flooding and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

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

Collision coverage protects against things such as hitting a mailbox, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – This provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Thunderbird.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

In any little way, save everyday

Budget-friendly car insurance can be bought from both online companies in addition to many insurance agents, so get free insurance coverage quotes from both of them to have the best selection. Some companies may not provide price quotes online and most of the time these regional insurance providers work with independent insurance agencies.

When searching for inexpensive insurance coverage quotes, do not reduce coverage to reduce premium. In many cases, an insured dropped full coverage only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.

Additional car insurance information can be found on the following sites: