Cheap 1996 Ford Thunderbird Car Insurance Quotes

Looking for better insurance rates for your Ford Thunderbird? Searching for lower priced insurance might seem intimidating for vehicle owners that are not comfortable with quoting and comparing prices over the internet. With such a large number of insurers to choose from, how are we expected to be able to compare them all to find lower insurance premiums?

The most recommended method to compare rate quotes is to take advantage of the fact most of the bigger providers actually pay money for the chance to give free rates quotes. The one thing you need to do is provide information like if you are currently licensed, types of safety features, how much coverage you want, and if the car is leased. Those rating factors is instantly submitted to insurance carriers in your area and they return cost estimate instantly to find the best rate.

To find the cheapest Ford Thunderbird insurance rates, click here and enter your coverage details.

Insurance costs are influenced by these factors

An important part of buying insurance is that you know some of the factors that help calculate the price you pay for insurance. If you have a feel for what determines premiums, this helps enable you to make changes that may reward you with big savings.

Shown below are some of the major factors used by insurance companies to determine premiums.

  • Fewer miles means better costs – The more you drive annually the higher your rates will be. A lot of insurance companies rate vehicles based upon how much you drive. Autos that sit idle most of the time qualify for better rates as compared to vehicles used primarily for driving to work. An improperly rated Thunderbird can result in significantly higher rates. Double check that your policy correctly shows how each vehicle is driven.
  • Extra policy coverages are wasting money – There are many add-on coverages that can add up if you aren’t diligent. Add-on coverages like personal injury protection, high-cost glass coverage, and extra life insurance coverage are examples of these. These may sound like a good investment initially, but your needs may have changed so consider taking them off your policy.
  • Drivers with excellent credit save – Your credit rating is a big factor in calculating your insurance rates. If your credit leaves room for improvement, you could save money insuring your 1996 Ford Thunderbird by spending a little time repairing your credit. Consumers who have excellent credit scores tend to be more responsible than drivers who have lower credit ratings.
  • Don’t cancel your coverage without a new one in place – Driving with no insurance can get you a ticket and companies may charge more for letting your coverage lapse. And not only will your rates increase, not being able to provide proof of insurance could earn you a license revocation or jail time. You may then have to prove you have insurance by filing a SR-22 with your state DMV.
  • Too many claims will drive rates up – Companies award the lowest premiums to policyholders who only file infrequent claims. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.

Save a ton by taking advantage of discounts

The price of auto insurance can be rather high, but you can get discounts that you may not even be aware of. Certain reductions will be credited at quote time, but a few need to be inquired about before you get the savings.

  • Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Defensive Driver Discount – Successfully completing a course teaching defensive driver skills could save 5% or more and make you a better driver.
  • Paper-free Discount – A few larger online companies may give you up to $50 for completing your application on your computer.
  • 55 and Retired – Mature drivers are able to get a discount up to 10% for Thunderbird insurance.
  • Own a Home and Save – Owning a home can save you money because it requires personal responsibility.
  • Braking Control Discount – Vehicles equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
  • Discount for Swiching Early – A few auto insurance companies allow discounts for buying a new policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance coverage online.

One thing to note about discounts is that some credits don’t apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, you aren’t that lucky.

Some companies that may offer quotes with some of the above discounts include:

If you need low cost insurance coverage quotes, ask every prospective company which discounts can lower your rates. All car insurance discounts may not apply to policyholders in every state. To choose providers that offer some of these discounts, click here to view.

How much car insurance do I need?

When buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need PIP coverage since I have good health insurance?
  • Does my insurance cover a custom paint job?
  • Will filing a claim cost me more?
  • Am I covered if I wreck a rental car?
  • Is my babysitter covered when using my vehicle?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

The coverage is in the details

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Thunderbird.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses for hospital visits, funeral costs, chiropractic care, pain medications and ambulance fees. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, hitting a deer and a broken windshield. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision insurance will pay to fix damage to your Thunderbird 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 coverage pays for claims like scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability coverages

This coverage will cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles, medical expenses and medical services. How much coverage you buy is up to you, but you should buy as much as you can afford.

Save for a rainy day

You just read a lot of information how to compare 1996 Ford Thunderbird insurance rates online. It’s most important to understand that the more price quotes you have, the higher your chance of finding low cost insurance coverage. Drivers may discover the lowest rates are with an unexpected company.

Budget-friendly insurance coverage is definitely available online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not have online price quotes and usually these small, regional companies only sell coverage through independent agents.

People change insurance companies for a variety of reasons including policy non-renewal, poor customer service, high rates after DUI convictions and even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company is actually quite simple.

More tips and info about insurance coverage can be found at these sites: