1995 Ford Thunderbird Insurance Quotes

Trying to find cheaper auto insurance rates for your Ford Thunderbird? I doubt anyone looks forward to buying auto insurance, particularly when the cost is too high. Multiple auto insurance companies compete for your insurance dollar, so it can be very hard to choose a provider to get the best price available.

It is always a good idea to price shop coverage every six months since prices are rarely the same from one policy term to another. If you had the lowest rate on Thunderbird coverage six months ago the chances are good that you can find a lower premium rate today. Ignore everything you know about auto insurance because you’re about to learn how to use online quotes to buy cheaper auto insurance.

Components of your Ford Thunderbird insurance prices

Smart consumers have a good feel for some of the things that play a part in calculating the level of your policy premiums. If you understand what impacts premium levels, this empowers consumers to make smart changes that could result in lower rates.

• Increase comp and collision deductibles and save – Physical damage deductibles are how much you are willing to pay in the event of a claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims are rearending another vehicle, damage from fire, or theft of your vehicle. The more the insured has to pay upfront, the lower your rates will be on Thunderbird coverage.
• Your vocation may affect rates – Jobs such as judgesairline pilots and medical professionals tend to have higher premium rates due to intense work requirements and long work days. On the flip side, occupations such as farmers, students and the unemployed get better rates on Thunderbird coverage.
• High policy claims frequency drives up insurance coverage rates – Insurance companies generally give better rates to policyholders who are not frequent claim filers. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Auto insurance is intended for claims that you cannot pay yourself.
• Keep the miles off and save – The more miles you rack up on your Ford in a year’s time the more you’ll pay to insure it. A lot of companies price each vehicle’s coverage based upon how much you drive. Cars and trucks not used for work or commuting receive lower rates than those used for commuting. It’s always a good idea to double check that your vehicle rating properly reflects the right rating data. Having the wrong rating on your Thunderbird may be wasting your money.
• Safer occupants lowers insurance coverage rates – Vehicles with high crash test scores tend to be cheaper to insure. Safe vehicles reduce injuries and lower rates of occupant injuries translates directly to fewer claims and more competitive rates for policyholders.
• Your credit rating is important – Credit score is a big factor in determining premium rates. People that have very high credit ratings tend to file fewer claims than those with poor credit scores. If your credit is not that good, you could save money insuring your 1995 Ford Thunderbird by improving your rating.
• Prevent policy lapses – Driving any period of time without insurance is against the law and you may have a hard time finding new coverage because you let your coverage lapse. Not only will you pay more, being ticketed for driving with no insurance could earn you fines and jail time.

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Cheap auto insurance rate quotes

Performing a rate comparison can be a lot of work if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to quickly compare rates.

Most car insurance companies participate in a marketplace where prospective buyers enter their policy data once, and at least one company then returns a price quote based on that data. This saves time by eliminating quotation requests for each company.

To access this free quoting program, click here (opens in new window).

The only drawback to getting quotes like this is that consumers can’t choose which companies you will receive quotes from. So if you prefer to choose specific insurance companies to compare prices, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use nearly identical coverages for each comparison quote. If each company quotes different coverage information it will be next to impossible to make a fair rate comparison.

Do you qualify for discount insurance coverage?

Insurance coverage is expensive, but there could be significant discounts that can drop the cost substantially. Certain reductions will be credited at quote time, but some may not be applied and must be asked for in order for you to get them.

• Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
• Homeowners Savings – Owning your own home or condo may earn you a small savings because owning a home requires personal responsibility.
• Auto/Life Discount – Select insurance carriers reward you with better rates if you take out a life policy as well.
• Military Rewards – Being deployed with a military unit could qualify you for better prices.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and qualify for as much as a 10% discount.
• Discount for Passive Restraints – Factory options such as air bags could see savings of more than 20%.
• Claim Free – Drivers who don’t have accidents can earn big discounts when compared with drivers who are more careless.

Just know that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you could get a free insurance coverage policy, companies don’t profit that way.

For a list of companies with the best insurance coverage discounts, click here.

What insurance coverages do I need?

When choosing coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

• How high should deductibles be on a 1995 Ford Thunderbird?
• Can my teen drive my company car?
• Am I getting all the discounts available?
• Am I covered when driving in Canada or Mexico?
• Should I sign the liability waiver when renting a car?
• What is PIP insurance?
• Where can I get insurance after a DUI in my state?
• Should I drop comprehensive coverage on older vehicles?
• Is my 1995 Ford Thunderbird covered for smoke damage?
• If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

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Car insurance coverage information

Learning about specific coverages of a insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills for prosthetic devices, surgery, chiropractic care and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Collision coverage

This coverage covers damage to your Thunderbird resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, rolling your car and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Liability car insurance

This provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like court costs, funeral expenses, attorney fees, bail bonds and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, hitting a bird and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Saving money makes a lot of cents

You just learned many ideas to shop for 1995 Ford Thunderbird insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with the smaller companies. Regional companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate or State Farm.

Budget-friendly insurance is available both online in addition to many insurance agents, so get free insurance coverage quotes from both of them to have the best selection. A few companies do not offer online rate quotes and most of the time these regional insurance providers only sell coverage through independent agencies.

Other resources

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Information for Teen Drivers (Geico)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)

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