2004 Ford Thunderbird Car Insurance Quotes – 9 Ideas for Cheaper Rates

Getting more affordable insurance coverage might appear rather difficult for beginners to buying their insurance coverage over the internet. When there are so many companies in the marketplace, how can you have a chance to compare every company to locate better rates?

Do you qualify for these nine discounts?

Companies don’t always publicize every available discount in a way that’s easy to find, so below is a list some of the best known and the more hidden credits that may apply to you. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Good Students Pay Less – Getting good grades may save as much as 25% on a insurance coverage quote. You can use this discount normally until age 25.
  • Safe Driver Discount – Drivers without accidents can save up to 40% or more on their insurance coverage quote on Thunderbird insurance as compared to drivers with claims.
  • Own a Home and Save – Just being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Online Discount – Certain larger companies will give a small break just for signing your application on the web.
  • New Vehicle Savings – Putting coverage on a new car may earn a small discount because new model year vehicles are generally safer.
  • Anti-theft Discount – Cars with anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Low Mileage Discounts – Driving fewer miles could qualify for cheaper insurance coveragerates.

Discounts lower rates, but most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But all discounts will positively reduce your overall premium however.

A few popular companies and their offered discounts are outlined below.

  • Mercury Insurance discounts include annual mileage, professional/association, low natural disaster claims, anti-theft, good student, and multi-policy.
  • Farmers Insurance offers premium reductions for multi-car, early shopping, mature driver, distant student, youthful driver, business and professional, and good student.
  • Farm Bureau policyholders can earn discounts including good student, renewal discount, 55 and retired, youthful driver, safe driver, and driver training.
  • State Farm may include discounts for multiple policy, driver’s education, anti-theft, defensive driving training, and good student.
  • Allstate includes discounts for good payer, defensive driver, premier plus, multi-policy, premier discount, auto/life discount, and senior citizen.
  • GEICO may offer discounts for good student, multi-policy, driver training, anti-theft, and daytime running lights.

If you are trying to find low cost insurance coverage quotes, ask each company which discounts they offer. Some discounts may not apply to policies in your area. To see providers that provide some of the discounts listed above, click here.

Buy insurance online

Performing a rate comparison can be challenging if you don’t know the best way to get rate quotes. You can spend countless hours talking to insurance companies in your area, or you could save time and use the web to get the quickest rates.

All the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company returns a competitive quote based on that information. This prevents consumers from doing form submissions to each individual insurance company.

To compare pricing click to open in new window.

The one downside to using this type of form is you are unable to specify which providers you want pricing from. So if you prefer to choose from a list of companies to receive pricing from, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

Compare rates however you want, just be sure to compare the exact same quote data with every price quote. If you have different coverage information it will be very difficult to determine the lowest rate for your Ford Thunderbird. Slightly different coverages could skew the results. It’s important to know that comparing a large number of companies provides better odds of finding better pricing. Some insurance companies are not set up to provide rate quotes online, so you should also compare price quotes on coverage from those companies, too.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can help discover if you would benefit from professional advice.

  • Should I put collision coverage on all my vehicles?
  • What is covered by UM/UIM coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are split liability limits better than a combined single limit?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I afford to buy a different vehicle if my 2004 Ford Thunderbird is totaled?
  • Can I make deliveries for my home business?
  • What is PIP insurance?
  • Is my 2004 Ford Thunderbird covered for smoke damage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Do drivers who switch really save $396 a year?

Respected companies like State Farm and Allstate seem to constantly run television, radio, and online ads. All the ads tend to make the same promise that people will save if you change your policy. But how can every company lower your car insurance rates? Here is how they do it.

Auto insurance companies can use profiling for the driver that earns them a profit. An example of a profitable insured may be a female over age 40, owns their home, and drives a lower-performance vehicle. Any customer that hits that “sweet spot” gets the lowest rates and have a good chance to cut their rates substantially.

Potential customers who are not a match for the “perfect” profile will see higher premium rates and ends up with the prospect going elsewhere. The trick companies use is to say “drivers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can make claims like that.

Different companies use different criteria so you really should get price quotes at each policy renewal. It’s just not possible to know the company that will have the lowest rate quotes.

Car insurance coverages for a Ford Thunderbird

Knowing the specifics of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses like X-ray expenses, nursing services, pain medications, EMT expenses and funeral costs. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

This coverage pays for damage to your Thunderbird from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage can cover damage or injury you incur to other people or property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things like emergency aid, structural damage and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Thunderbird.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, damage from a tornado or hurricane, vandalism, fire damage and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

More quotes mean more savings

We just covered a lot of ways to lower your 2004 Ford Thunderbird insurance prices. The key concept to understand is the more you quote insurance coverage, the higher the chance of saving money. Drivers may discover the lowest prices come from a company that doesn’t do a lot of advertising.

Drivers who switch companies do it for any number of reasons including denial of a claim, poor customer service, delays in paying claims and even policy non-renewal. It doesn’t matter what your reason, choosing a new company is not as hard as you think.

Low-cost 2004 Ford Thunderbird insurance is possible both online and from local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance coverage companies may not have online price quotes and many times these regional insurance providers sell through local independent agents.

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