2002 Ford Thunderbird Car Insurance Quotes

Want lower car insurance rates? Drivers have many options when trying to find the lowest priced Ford Thunderbird insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to make rate comparisons.

There are more efficient ways to compare car insurance rates and you need to know the best way to compare rates for a new or used Ford and obtain the lowest price from both online companies and local agents.

Consumers should take time to compare prices quite often because prices are variable and change quite frequently. If you had the lowest rates on Thunderbird insurance a couple years back there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the only way to save money, get proper deductibles and limits, all at the lowest rate.

If you are insured now or need a new policy, you can learn to find better prices and still get good coverage. This article will introduce you to the best way to quote coverages and some tips to save money. Drivers just need to learn the tricks to shop online.

Affordable insurance coverage price quotes online

Getting more affordable 2002 Ford Thunderbird insurance coverage pricing can be quick and easy. You just need to spend a little time comparing free car insurance quotes to discover which company has cheaper car insurance quotes. This is very easy and can be done in a couple of different ways.

The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for separate forms for every insurance coverage company. Just one form gets you price quotes from several companies. It’s the fastest way to compare.
A harder way to find better pricing is spending the time to visit the website for each individual company and repeat the quote process again and again. For instance, let’s assume you want to get rates from USAA, Safeco and Farmers. You would have to spend time on each company’s site to input your insurance information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure you’re using identical quote data for every quote you compare. If the quotes have different values for each quote it’s not possible to make a fair rate comparison.

Eight discounts for lower-cost insurance rates

Car insurance companies don’t list every discount in a way that’s easy to find, so we researched a few of the more well known and the more hidden credits that may apply to you. If you check and find you aren’t receiving every discount you deserve, you could be getting lower rates.

Policy Bundle Discount – If you can bundle your auto and homeowners insurance with the same insurance company you could get a discount of nearly 15% which can help you find cheap car insurance.
Theft Deterent – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
Driving Data Discount – Policyholders that allow their company to spy on where and when they drive by using a telematics device such as State Farm’s In-Drive might get better premium rates as long as they are good drivers.
Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance too.
Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
Professional Organizations – Joining a professional or civic organization could trigger savings on insurance.
Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class as it can save substantially.
College Student Discount – who are enrolled in higher education away from home without a vehicle on campus can be insured at a reduced rate.

We need to note that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business. But any discount will cut the cost of your policy.

Companies and some of the premium reductions they offer are outlined below.

Farmers Insurance discounts include electronic funds transfer, good student, business and professional, mature driver, and bundle discounts.
State Farm has savings for multiple policy, good driver, anti-theft, passive restraint, Drive Safe & Save, accident-free, and good student.
Liberty Mutual may offer discounts for multi-policy, multi-car, newly retired, hybrid vehicle, and newly married.
MetLife offers premium reductions for multi-policy, claim-free, good driver, defensive driver, and good student.
Progressive may include discounts for online quote discount, continuous coverage, multi-policy, multi-vehicle, homeowner, and online signing.

If you are trying to find the cheapest car insurance quotes, ask every prospective company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your state. To view providers that offer some of these discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

If my pet gets injured in an accident are they covered?
Where can I get insurance after a DUI in my state?
Does car insurance cover theft of personal property?
When can my company non-renew my policy?
Can my teen drive my company car?
What is covered by UM/UIM coverage?
What if I total my 2002 Ford Thunderbird and owe more than it’s worth?
Am I covered if my car is in a flood?
I have good health insurance, so how much medical payments coverage do I need?
Does my 2002 Ford Thunderbird need full coverage?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance policy coverages for a 2002 Ford Thunderbird

Learning about specific coverages of a insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your 2002 Ford Thunderbird.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive (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 can pay for things such as a tree branch falling on your vehicle, theft, hitting a bird and a broken windshield. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Thunderbird from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, rolling your car, hitting a parking meter and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability

This can cover injuries or damage you cause to other people or property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, repair costs for stationary objects, legal defense fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like funeral costs, chiropractic care, pain medications, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

2002 Ford Thunderbird Car Insurance Quotes – 8 Tips to Save