1994 Ford Thunderbird Insurance Rates – 9 Tricks for Best Quotes

If online car insurance comparisons are new to you, most likely you are confused by the diversity of online car insurance companies and websites selling insurance.

Lower-cost insurance coverage rates with discounts

Insurance coverage is not an enjoyable expense, but you might find some hidden discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be manually applied in order for you to get them.

• Senior Discount – Older drivers may be able to get a small discount on rates on Thunderbird insurance.
• Life Insurance – Not all insurance carriers offer life insurance, but some may give you lower rates if you buy a life policy as well.
• Driver Training Discounts – Taking part in a course in defensive driving could save 5% or more and make you a better driver.
• Government Employees – Active or former government employment may reduce rates when you quote auto insurance on Thunderbird insurance with select insurance companies.
• Clubs and Organizations – Belonging to a professional or civic organization could earn you a nice discount when shopping for insurance coverage.
• Switch and Save Discount – Some companies provide a discount for switching policies before your current coverage expires. You could save around 10% when you buy auto insurance online.
• No Claims – Drivers with accident-free driving histories can save substantially when compared with insureds who have frequent claims or accidents.
• Low Mileage Discounts – Keeping the miles down on your Ford may enable drivers to earn better prices on cars that stay parked.
• Active Service Discounts – Being deployed with a military unit could be rewarded with lower rates.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you could get a free insurance coverage policy, you aren’t that lucky.

Some companies that possibly offer these money-saving discounts include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

When quoting, ask each company or agent what discounts are available to you. Some discounts may not be offered in your area. To see insurers who offer insurance coverage discounts, click here to view.

Cheap insurance rate quotes

All major insurance companies like Progressive, Allstate and Geico give prices for coverage directly from their websites. Getting online rates doesn’t take much effort as you just enter as detailed in the form. After you complete the form, the quote system pulls information on your driving record and credit history and gives you a price quote based on these factors.

This makes comparing rates easy, but the time it takes to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible if you want to find the lowest possible prices on insurance.

There is a better way!

The preferred way to locate the lowest prices makes use of a single form to return rates from more than one company. The form is fast, eliminates form submissions, and makes rate comparisons much simpler. Immediately after you send the form, your coverage is rated and you can select any one of the quotes returned.

If a lower price is quoted, you can click and sign and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.

To save time and find out how much you’re overpaying now, click here to open in new window and fill out the form. To compare your current rates, we recommend that you enter your coverages as shown on your current policy. This makes sure you will be getting rate quotes for similar insurance coverage.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if you might need an agent’s assistance.

• How many claims can I have before being cancelled?
• Do I need medical payments coverage since I have good health insurance?
• Can I make deliveries for my home business?
• Does my liability insurance cover pulling a trailer or camper?
• Do I need to file an SR-22 for a DUI in my state?
• Am I getting all the discounts available?
• Should I have a commercial auto policy?
• Do I need higher collision deductibles?
• Do I pay less if my vehicle is kept in my garage?
• When would I need rental car insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage information

Learning about specific coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. 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 flooding, damage from getting keyed and fire damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1994 Ford Thunderbird.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Auto collision coverage

This pays for damage to your Thunderbird caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, hitting a parking meter, scraping a guard rail, sideswiping another vehicle 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 raise the deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as surgery, doctor visits, funeral costs, prosthetic devices and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

This can cover damage that occurs to people or other property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like emergency aid, medical services, court costs and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Shop. Compare. Save.

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. The goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Drivers who switch companies do it for a number of reasons such as delays in paying claims, delays in responding to claim requests, unfair underwriting practices or lack of trust in their agent. Whatever your reason, choosing a new company is not as hard as you think.

In this article, we presented a lot of techniques to shop for 1994 Ford Thunderbird insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding affordable auto insurance. Drivers may discover the lowest premium rates are with a smaller regional carrier.

To read more, feel free to browse these articles:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Safety Features for Your New Car (State Farm)