1996 Ford Thunderbird Car Insurance Quotes

Want cheaper car insurance rates for your Ford Thunderbird? Vehicle owners fed up with high insurance prices and are new to buying car insurance online may find sourcing cheaper auto insurance is harder than it should be.

Compare insurance rates

There are several ways to shop for insurance, and some are easier and takes less work. You can spend your afternoon talking about coverages with agents in your area, or you could save time and use the web for quick rates.

Many insurance companies are enrolled in a marketplace that enables customers to send in one quote, and each participating company then returns a price quote based on that information. This system prevents you from having to do form submissions to every company. To compare rates now click here to open in new window.

The only downside to using this type of system is you don’t know exactly the companies to receive prices from. If you prefer to choose specific providers to compare prices, we put together a list of insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, make sure you use equivalent coverage information on every quote. If your comparisons have higher or lower deductibles it will be very difficult to determine the best price for your Ford Thunderbird. Having just a slight variation in limits may cause a big price difference. And when quoting insurance, remember that more quotes helps increase your odds of locating more affordable rates.

Do you qualify for discount auto insurance?

Auto insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that can dramatically reduce your bill. Some of these disounts will be visible when you purchase, but some must be manually applied before you get the savings.

• Air Bags and Passive Restraints – Factory air bags could see savings as much as 30%.
• Theft Deterent Discount – Cars that have factory anti-theft systems prevent vehicle theft so companies will give you a small discount.
• 55 and Retired – Seniors may be able to get reduced rates for Thunderbird insurance.
• Pay Early and Save – By paying your policy upfront instead of making monthly payments you can avoid monthly service charges.
• Defensive Driver – Taking a class that teaches defensive driving techniques could save 5% or more and easily recoup the cost of the course.

We need to note that many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky. But all discounts will positively reduce your overall bill.

The best auto insurance companies and some of the discounts are detailed below.

• Esurance has discounts for DriveSense, homeowner, online quote, anti-lock brakes, Switch & Save, and safety device.
• The Hartford offers premium reductions for driver training, anti-theft, good student, bundle, and air bag.
• AAA policyholders can earn discounts including pay-in-full, good student, anti-theft, education and occupation, AAA membership discount, multi-car, and good driver.
• Geico offers discounts including air bags, membership and employees, driver training, daytime running lights, good student, and anti-lock brakes.
• State Farm may offer discounts for student away at school, accident-free, Drive Safe & Save, passive restraint, safe vehicle, good student, and driver’s education.

Before buying, ask every company how many discounts you can get. Some discounts might not be offered on policies in your area. To choose insurers with the best discounts, click here to view.

Why you might pay higher rates

Multiple criteria are part of the equation when quoting car insurance. Some factors are common sense such as traffic violations, although others are more transparent like where you live or how financially stable you are.

Listed below are some of the things insurance coverage companies consider when setting your rates.

• Too many insurance coverage claims drive up insurance coverage rates – Insurance companies give lower rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is intended for claims that you cannot pay yourself.
• Incidental coverages could be costing you – There are many extra bells and whistles that can add up if you don’t pay attention. Insurance for rental car coverage, towing, and membership fees could be just wasting money. These may sound like a good investment when talking to your agent, but your money might be better spent on other coverage so consider taking them off your policy.
• Put fewer miles on your vehicle – The more miles you rack up on your Ford in a year the more it will cost to insure it. Almost all companies calculate rates determined by how the vehicle is used. Cars that have low annual miles qualify for better rates compared to those used for work or business. Having an incorrect usage rating on your Thunderbird can result in significantly higher rates. It’s a good idea to make sure your insurance coverage declarations sheet is rated on how each vehicle is driven.
• Job stress can make you pay more – Occupational choices like fire fighters, architects and medical professionals have the highest rates due to intense work-related stress and extremely grueling work hours. On the flip side, jobs such as farmers, engineers and homemakers have lower than average premiums for Thunderbird insurance.

What insurance coverages do I need?

When it comes to buying coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

• When would I need rental car insurance?
• Can I drive in Mexico and have coverage?
• How high should deductibles be on a 1996 Ford Thunderbird?
• When does my teenage driver need to be added to my policy?
• Do I have newly-aquired coverage?
• Is my camper covered by my car insurance policy?
• Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverages

Knowing the specifics of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a deer, a tree branch falling on your vehicle, damage from flooding, vandalism and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills like rehabilitation expenses, nursing services and EMT expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverage

Liability insurance can cover damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use 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 can pay for things such as loss of income, emergency aid, bail bonds and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, rolling your car, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Best coverage at the best price

When searching for cheaper auto insurance quotes, don’t be tempted to buy poor coverage just to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible at the best possible price and still be able to protect your assets.

You just learned some good ideas how you can lower your 1996 Ford Thunderbird insurance rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your auto insurance rates. You may even discover the lowest rates come from a smaller regional carrier.

Consumers who switch companies do it for a variety of reasons including lack of trust in their agent, poor customer service, delays in responding to claim requests or an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is actually quite simple.

More tips and info about car insurance can be read in these articles:

• Vehicle Insurance in the U.S. (Wikipedia)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Tread Depth and Tire Safety (State Farm)