Compare 1997 Ford Thunderbird Insurance Quotes

Paying low cost rates for auto insurance can be frustrating for drivers who are new to online comparison shopping. With more and more companies competing online, it can quickly become a burden to find more affordable auto insurance rates.

Ways to get car insurance quotes

When shopping for cheaper insurance quotes, there are a couple of ways to compare prices from local car insurance companies. The best method to find affordable 1997 Ford Thunderbird insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.

  1. Without a doubt, the easiest way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This style of form saves time by eliminating separate quotes for every company. One form will get you price quotes instantly. It’s the fastest way to compare.
  2. A more time consuming way to analyze rates requires a trip to the website for every company you want to comare to complete their respective quote request forms. For instance, let’s assume you want comparison quotes from USAA, Farmers and GEICO. To find out each rate you need to go to every website to enter the same coverage data repeatedly, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing identical quote data with each company. If you enter unequal deductibles or liability limits you can’t possibly truly determine the lowest rate. Just a small difference in coverage limits can mean a large discrepancy in price. It’s important to know that comparing a wide range of rates will enable you to find more affordable insurance. Some companies don’t provide prices over the internet, so you also need to get quotes from them, too.

Drivers save money with these money-saving discounts

Car insurance companies don’t necessarily list the complete list of policy discounts in an easy-to-find place, so the below list has a few of the more well known in addition to some of the lesser obvious discounts that may be available.

  • Accident Waiver – Not a discount per se, but certain companies will forgive one accident without the usual rate increase if your claims history is clear for a certain period of time.
  • Employee of Federal Government – Having worked for a branch of the government can earn a discount up to 10% on Thunderbird insurance with a few insurance companies.
  • Discount for Life Insurance – Some insurance carriers give a discount if you purchase auto and life insurance together.
  • Clubs and Organizations – Being a member of a civic or occupational organization can get you a small discount when getting a insurance quote.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on Thunderbird insurance than drivers with accidents.

Keep in mind that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. Even though it appears you could get a free insurance policy, you aren’t that lucky.

A list of companies and a summarized list of policyholder discounts are outlined below.

  • American Family includes discounts for early bird, TimeAway discount, defensive driver, mySafetyValet, and accident-free.
  • Farm Bureau offers discounts for multi-policy, good student, renewal discount, driver training, 55 and retired, and safe driver.
  • State Farm may include discounts for good student, good driver, Steer Clear safe driver discount, driver’s education, safe vehicle, and defensive driving training.
  • Travelers has discounts for driver training, home ownership, continuous insurance, IntelliDrive, multi-car, and new car.
  • The Hartford may have discounts that include air bag, bundle, vehicle fuel type, good student, and anti-theft.
  • GEICO may offer discounts for daytime running lights, air bags, five-year accident-free, multi-policy, and good student.
  • Progressive offers premium reductions for multi-vehicle, good student, online quote discount, online signing, and multi-policy.

If you need lower rates, check with every insurance company how many discounts you can get. All car insurance discounts might not be available to policyholders everywhere. To view insurers that offer multiple discounts, click here.

Do I need special coverages?

When it comes to buying coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your situation could use an agent’s help.

  • Can I drive in Mexico and have coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need higher collision deductibles?
  • Am I covered if hit by an uninsured driver?
  • Which is better, split liability limits or combined limits?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Components of your Ford Thunderbird insurance costs

Many things are part of the equation when pricing auto insurance. Some factors are common sense such as your driving history, although some other factors are more obscure such as your credit history or how safe your car is.

  • High deductibles equal low rates – Physical damage coverage, aka comp and collision, helps pay for damage to your vehicle. Some examples of covered claims are a windshield shattered by a rock, damage caused by hail, and burglary. Comp and collision deductibles represent how much money you are required to pay if the claim is covered. The more expense you’re willing to pay, the lower your rates will be on Thunderbird insurance.
  • Being married can save you money – Walking down the aisle helps lower the price compared to being single. Having a significant other demonstrates that you tend to be more financially stable it has been statistically shown that married couples file fewer claims.
  • Age of drivers impacts premiums – Teen drivers tend to be inattentive when at the wheel of a vehicle therefore insurance rates are much higher. Having to add a teenage driver to your insurance policy can cause a big jump in price. More mature drivers are more responsible, tend to file fewer claims and receive fewer citations.
  • Save money with responsible credit – A driver’s credit history is a big factor in calculating your insurance rates. So if your credit leaves room for improvement, you may save money insuring your 1997 Ford Thunderbird by spending a little time repairing your credit. Consumers who have excellent credit tend to file fewer claims and have better driving records than those with lower ratings.
  • No policy claims equals lower prices – If you are a frequent claim filer, you can expect higher rates. Insurance companies give better rates to insureds that do not abuse their auto insurance. Auto insurance is intended for the large, substantial claims.

Auto insurance policy coverages for a 1997 Ford Thunderbird

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, damage from a tornado or hurricane, hail damage, theft and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1997 Ford Thunderbird.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses such as dental work, ambulance fees, hospital visits and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage

Collision insurance pays for damage to your Thunderbird from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, colliding with a tree, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

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. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as funeral expenses, attorney fees, emergency aid, medical expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

A tidy conclusion

When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. There are many occasions where consumers will sacrifice liability coverage limits only to discover later that it was a big error on their part. The aim is to buy enough coverage at an affordable rate while still protecting your assets.

Drivers leave their current company for a variety of reasons including policy cancellation, denial of a claim, high rates after DUI convictions and even extreme rates for teen drivers. It doesn’t matter what your reason, finding a new company can be pretty painless.

In this article, we presented some good ideas how you can reduce 1997 Ford Thunderbird insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding cheap insurance. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies.

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