Cheap 1993 Ford Thunderbird Car Insurance Rates

Trying to find the cheapest auto insurance rates for your Ford Thunderbird? Have you had enough of being strong-armed to insure your Ford every month? You’re in the same situation as the majority of other car owners.

With so many choices of insurance companies, it can be impossible to locate the best insurance company.

The quickest method we recommend to compare insurance rates from multiple companies is to know the fact most insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is provide a small amount of information like if a SR-22 is needed, whether the vehicles are used for commuting, deductibles desired, and an estimate of your credit level. That rating information is automatically sent to multiple top-rated companies and you will get price comparisons very quickly.

To compare multiple company rates now, click here and enter your zip code.

Take advantage of discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some must be requested specifically before being credited.

  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Clubs and Organizations – Being a member of certain professional organizations may earn a discount on your policy on Thunderbird coverage.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Thunderbird coverage than their less cautious counterparts.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.

Keep in mind that most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But all discounts will bring down your overall premium however.

For a list of providers with the best auto insurance discounts, click this link.

How to know if you need help

When choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation will benefit from professional help.

  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need replacement cost coverage on my 1993 Ford Thunderbird?
  • Do I need rental car coverage?
  • When would I need additional glass coverage?
  • Should I have a commercial auto policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Ford Thunderbird rates influenced by many factors

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for insurance. Having a good understanding of what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

Shown below are some of the items insurance companies consider when setting your rates.

  • Careful drivers pay lower rates – Your driving record has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance than bad drivers. Only having one moving violation can boost insurance rates by twenty percent. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Being married is a good thing – Being married helps lower the price on insurance. Having a significant other means you’re more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Occupation reflects on rates – Did you know your job can affect your rates? Occupations like judges, social workers and dentists tend to pay the highest average rates because of high stress levels and long work days. Other occupations such as scientists, historians and homemakers have the lowest average rates on Thunderbird coverage.
  • Car features impact rates – Driving a car that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • Don’t skimp on liability – Liability insurance will protect you if you are found to be at fault for causing damage or personal injury in an accident. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Low deductibles can be expensive – The deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be running into the backend of another car, collision with an animal, or theft. The more you are required to pay out-of-pocket, the less your insurance will be on Thunderbird coverage.

Do drivers who switch really save?

Allstate and Progressive continually stream ads on TV and radio. All the companies have a common claim of big savings after switching to them. But how can every company claim to save you money? This is how they do it.

Insurance companies can use profiling for the type of driver that makes them money. For example, a preferred risk might be profiled as a mature driver, has no prior claims, and has a high credit rating. A propective insured who matches those parameters receives the best rates and most likely will save a lot of money.

Drivers who are not a match for the requirements will be charged higher prices and this can result in the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save that much. That’s the way companies can make those claims.

That is why you should get as many comparisons as possible. It’s impossible to know which insurance companies will provide you with the cheapest Ford Thunderbird insurance rates.

Insurance policy coverages for a 1993 Ford Thunderbird

Understanding the coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages offered by insurance companies.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, vandalism and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as doctor visits, EMT expenses, pain medications and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Liability coverages – This coverage can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair bills for other people’s vehicles, repair costs for stationary objects and funeral expenses. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Collision coverages – This pays for damage to your Thunderbird from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter, hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

What is YOUR best insurance company?

In this article, we presented many ways to lower your 1993 Ford Thunderbird insurance rates. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from the least-expected company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Geico and State Farm.

Lower-priced insurance is attainable from both online companies in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies do not provide online quoting and these small insurance companies work with independent agents.

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