Compare 1997 Ford Thunderbird Insurance Rates

Scraping up a payment for high-priced Ford Thunderbird insurance can draw down your bank account and possibly require you to analyze your spending habits. Shopping your coverage around is a fast and free way to reduce premiums and put more money in your pocket.

You have multiple auto insurance companies to purchase coverage from, and even though it’s nice to be able to choose, lots of choices makes it harder to compare rates and find the lowest cost car insurance.

It’s important to shop coverage around quite often since rates change regularly. Despite the fact that you may have had the best premium rates for Thunderbird insurance six months ago the chances are good that you can find a lower price today. There is lot of inaccurate information about car insurance online but in this article, you’re going to get some of the best ways to stop overpaying for insurance.

Use discounts on auto insurance

Some insurance providers do not advertise every available discount in a way that’s easy to find, so we break down a few of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online. If they aren’t giving you every credit available, you’re paying more than you need to.

• Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and therefore earn up to a 10% discount.
• Paperwork-free – Some of the larger companies may give you up to $50 simply for signing online.
• Driver Education Discount – Require your teen driver to take driver’s ed class in high school.
• Life Insurance Discount – Not all auto insurance companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.
• Accident Free – Insureds with no claims or accidents get the best auto insurance rates as compared to insureds who have frequent claims or accidents.
• Homeowners Pay Less – Owning a home can help you save on auto insurance because it demonstrates responsibility.
• Senior Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Thunderbird insurance.
• One Accident Forgiven – Not necessarily a discount, but certain companies will forgive one accident before raising your premiums if your claims history is clear prior to being involved in the accident.

Discounts save money, but please remember that some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

Companies and a partial list of their discounts are:

• Geico may offer discounts for multi-vehicle, anti-theft, seat belt use, good student, and driver training.
• Mercury Insurance policyholders can earn discounts including location of vehicle, multi-policy, anti-theft, type of vehicle, multi-car, and age of vehicle.
• Farmers Insurance may have discounts that include good student, early shopping, electronic funds transfer, business and professional, and teen driver.
• Auto-Owners Insurance offers premium reductions for teen driver, paperless, multi-policy, company car, mature driver, and anti-lock brakes.
• Liberty Mutual discounts include new move discount, teen driver discount, newly retired, newly married, new vehicle discount, and multi-policy.
• SAFECO has discounts for teen safe driver, accident prevention training, teen safety rewards, bundle discounts, safe driver, homeowner, and multi-car.
• Progressive includes discounts for multi-policy, online quote discount, homeowner, continuous coverage, online signing, and good student.
• USAA offers discounts for driver training, multi-vehicle, good student, defensive driver, and military installation.

Before you buy a policy, ask all companies you are considering to apply every possible discount. Some discounts may not be offered in your area.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine whether or not you might need an agent’s assistance.

• Why am I required to buy liability insurance?
• When can my company non-renew my policy?
• Is my state a no-fault state?
• Should I have a commercial auto policy?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is there coverage for injuries to my pets?
• Are split liability limits better than a combined single limit?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Having a good grasp of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Auto collision coverage

Collision coverage will pay to fix damage to your Thunderbird resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as chiropractic care, ambulance fees, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, damage from flooding and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Power to the consumer

We just showed you many ways to shop for 1997 Ford Thunderbird insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your car insurance rates. Consumers may even find the lowest priced insurance comes from a lesser-known regional company. They may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

More detailed insurance information is located at these sites:

• Shopping for a Safe Car (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Learn About Car Insurance (Geico)