Lower Your 1994 Ford Thunderbird Insurance Rates

Searching for the cheapest insurance coverage rates for your Ford Thunderbird? Have you finally had enough of being strong-armed each month for insurance coverage? You are no different than many other drivers.

Online insurance companies like Allstate and Progressive continually hit you with TV and radio ads and it is difficult to ignore the flashy ads and take the time to shop coverage around.

It’s a good idea to shop coverage around yearly because prices change quite often. If you had the best price for Thunderbird insurance two years ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to how to use the internet to properly buy coverages while reducing your premium.

Finding insurance coverage

The majority of larger companies make it easy to get prices direct online. Comparing rates online is fairly simple as you simply type in on the page. Once you submit the form, the quote system orders your driving and credit reports and provides a quote based on many factors. Online quotes helps simplify price comparisons, but the time it takes to visit different websites and enter the same data into a form can be a bit repetitive. But it’s necessary to get many rate quotes in order to find the lowest price.

A less time-consuming method to compare insurance coverage pricing uses just one form to get prices from more than one company. This type of form saves time, requires much less work on your part, and makes quoting online much more enjoyable and efficient. As soon as you send your information, your coverage is rated and you can select any one of the returned quotes. If you find a better price you simply finish the application and buy the new coverage. It can be completed in less than 10 minutes and may result in a nice savings.

To fill out one form to compare multiple rates now, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended that you enter the coverages exactly as they are listed on your policy. This helps ensure you are getting a price comparison for exact coverage.

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You may qualify for discounts

Companies do not advertise every discount very clearly, so below is a list some of the best known and the more hidden credits available to bring down your rates.

• Theft Deterent System – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the medical payments premium.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
• Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction for Thunderbird insurance depending on your auto insurance provider.
• Early Renewal Discounts – A few auto insurance companies give discounts for renewing your policy before your current policy expires. This can save 10% or more.

A little disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

Companies that may include these benefits include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

Before you buy a policy, ask every prospective company what discounts are available to you. Some discounts might not be available to policyholders in every state. If you would like to choose from a list of auto insurance companies offering auto insurance discounts, click here.

You can change your insurance rates

Many different elements are taken into consideration when pricing auto insurance. A few of the factors are predictable such as traffic violations, but other criteria are more obscure like your continuous coverage or how safe your car is.Part of the car insurance buying process is learning the factors that are used to determine your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find cheaper rates.

Listed below are some of the most common factors that factor into your rate level.

• High insurance claims frequency drives up premiums – Companies give lower rates to insureds that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of more catestrophic claims.
• Urban residents pay more – Living in less populated areas is a good thing when talking about car insurance. City drivers have more aggressive driving styles and longer commutes to work. Fewer drivers means fewer accidents in addition to fewer liability claims.
• Pay lower prices after the wedding – Walking down the aisle actually saves money when shopping for car insurance. Marriage usually means you are more responsible it has been statistically shown that married drivers tend to file fewer claims.
• Drive a safer car and pay less – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and better occupant protection means less claims paid and lower rates for you.
• Car insurance liability coverage limits – A critical coverage on your policy, liability insurance will afford coverage when a court rules you are at fault for causing damage or personal injury in an accident. Your liability coverage provides for a legal defense to defend your case. It is affordable coverage when compared with rates for comp and collision, so buy as much as you can afford.
• Policy lapses lead to higher car insurance rates – Allowing your coverage to lapse is a guaranteed way to drive up your policy premiums. And not only will your rates increase, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license. You could then be forced to file a SR-22 with your state motor vehicle department.
• Do you work long hours in a high stress vocation? – Did you know your car insurance rates can be affected by your occupation? Careers such as judges, architects and miners usually pay the highest rates because of high stress and long work days. On the flip side, careers like farmers, historians and retirees receive lower rates for Thunderbird insurance.

There’s no such thing as the perfect auto insurance policy

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that could help you determine whether or not you may require specific advice.

• I don’t drive much so do I pay less?
• Do I benefit by insuring my home with the same company?
• Does insurance cover tools stolen from my truck?
• Do I need replacement cost coverage?
• Will filing a claim cost me more?
• Am I getting all the discounts available?
• Can my teen drive my company car?
• How can I find cheaper teen driver insurance?
• Am I covered if my car is in a flood?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

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Auto insurance coverage specifics

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on the average auto insurance policy.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses for nursing services, rehabilitation expenses, hospital visits and chiropractic care. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision insurance

Collision coverage will pay to fix damage to your Thunderbird from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Ford Thunderbird.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability insurance

This provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims like pain and suffering, attorney fees, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hitting a deer, falling objects and theft. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Saving money is sweet as honey

Affordable 1994 Ford Thunderbird insurance can be sourced both online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not provide rates over the internet and usually these smaller companies only sell through independent agencies.

As you quote insurance, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped liability coverage limits only to regret at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at the best cost while not skimping on critical coverages.

Helpful learning opportunities

• Event Data Recorders FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)

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