2002 Ford Thunderbird Car Insurance Rates – 9 Tips for Cheaper Quotes

Searching for the cheapest car insurance rates for your Ford Thunderbird? Are you burned out from not being able to afford to pay car insurance each month? Your situation is no different than many other consumers. Popular companies such as Progressive, State Farm and Geico increase brand awareness with fancy advertisements and it is difficult to sift through the bull and do the work needed to find the best deal.

You need to do rate comparisons before your policy renews because prices are constantly changing. Even if you think you had the lowest quotes on Thunderbird insurance on your last policy you can probably find a better rate now. Forget all the misinformation about car insurance because it’s time to teach you the quickest way to find better rates and still maintain coverage.

How to get insurance quotes

Getting a cheaper price on 2002 Ford Thunderbird insurance isn’t really that difficult. Drivers just need to invest a little time comparing rate quotes to find. You can get a good selection of rate quotes by following the guidelines below.

1. The easiest and least time consuming way to find low rates is an all-inclusive rate comparison click here to open form in new window. This style of form eliminates the need for repetitive form entry for every prospective company. Completing one form gets you coverage quotes from insurance companies with the best prices.
2. A different way to compare prices requires visiting the website of each company and complete a new quote form. For example, we’ll assume you want to see prices from Liberty Mutual, State Farm and Progressive. To get each rate you have to navigate to each company’s site and enter your policy data, which explains why we recommend starting with the first method.

   For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but do your best to enter the same coverages on every quote. If each company quotes unequal deductibles or liability limits it’s impossible to determine the best price for your Ford Thunderbird.

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Save a ton with these nine discounts

Car insurance is neither fun to buy or cheap, but there could be available discounts to cut the cost considerably. Certain discounts will be applied at quote time, but lesser-known reductions have to be asked for before you get the savings.

• Theft Prevention System – Cars and trucks with anti-theft systems help deter theft and will save you 10% or more.
• Discounts for Multiple Vehicles – Buying a policy with more than one vehicle on a single policy can get a discount on all vehicles.
• Discounts for Safe Drivers – Safe drivers may save up to 50% more on Thunderbird insurance than less cautious drivers.
• Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break when getting a insurance quote.
• Policy Bundle Discount – When you combine your homeowners and auto insurance with the same company you will save 10% to 20% off each policy.
• Discounts for New Vehicles – Putting insurance on a new car can cost up to 25% less since newer models have better safety ratings.
• Driver’s Ed – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Telematics Data – Insureds who allow driving data submission to study when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
• Pay Early and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

A list of companies and some of the discounts are:

• American Family policyholders can earn discounts including Steer into Savings, multi-vehicle, good driver, early bird, accident-free, good student, and defensive driver.
• State Farm offers discounts including Steer Clear safe driver discount, good student, student away at school, anti-theft, safe vehicle, Drive Safe & Save, and defensive driving training.
• 21st Century offers discounts for teen driver, driver training, student driver, theft prevention, and good student.
• Travelers may include discounts for student away at school, driver training, new car, multi-policy, save driver, payment discounts, and home ownership.
• Geico includes discounts for multi-policy, federal employee, good student, anti-lock brakes, and military active duty.

If you are trying to find cheaper insurance quotes, ask every insurance company to give you their best rates. Some discounts might not apply in your area.

What is the best auto insurance coverage?

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you will benefit from professional help.

• Will my rates increase for filing one claim?
• When would I need additional glass coverage?
• How many claims can I have before being cancelled?
• Does my liability insurance cover pulling a trailer or camper?
• Is my dog or cat covered if injured in an accident?
• Am I covered when driving a rental car?
• Am I covered when driving in Canada or Mexico?
• Do I need higher collision deductibles?
• Am I covered if I hit my neighbor’s mailbox?
• Am I covered when driving on a suspended license?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance policy specifics

Having a good grasp of car insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on the average car insurance policy.

Collision coverage protection

Collision coverage covers damage to your Thunderbird from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for things like pain medications, rehabilitation expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, hitting a bird, a tree branch falling on your vehicle and hail damage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as attorney fees, medical expenses, emergency aid, structural damage and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as much as you can afford.

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Spend less. Save more.

We covered a lot of techniques to compare 2002 Ford Thunderbird insurance rates online. The most important thing to understand is the more you quote insurance, the better likelihood of getting cheaper insurance. You may even discover the lowest rates are with a lesser-known regional company. Some small companies often have lower car insurance rates on specific markets compared to the large companies like Geico and State Farm.

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed full coverage only to discover later that it was a big mistake. Your aim should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Cost effective 2002 Ford Thunderbird insurance can be sourced online and from local insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and these small, regional companies only sell through independent agents.

Other resources

• Older Driver Statistics (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)

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