View 1991 Ford Thunderbird Car Insurance Rates

Want the cheapest insurance rates for your Ford Thunderbird? Tired of robbing Peter to pay Paul to pay high insurance rates every month? You have the same problem as many other vehicle owners. Multiple insurers compete for your hard-earned dollar, and it can be difficult to compare rates to find the best price available.

You need to shop coverage around periodically because prices trend upward over time. If you had the best rates on Thunderbird coverage last year there is a good chance you can find better premium rates now. You’ll find a ton of advice on insurance online, but in this article, you’re going to get some great ideas on how to save money.

Insurance coverage quotes comparison

Shopping for lower insurance coverage rates can be a lot of work if you don’t know the most efficient way. You could waste a few hours driving to agents in your area, or you can stay home and use online quoting to maximize your effort.

Many insurance companies belong to a marketplace that allows shoppers to enter their policy data once, and at least one company then gives them pricing. This prevents consumers from doing quotation requests to each individual insurance coverage company. To compare rates using this form now click to open in new window.

The one disadvantage to doing it this way is you are unable to specify which insurance companies you will receive quotes from. So if you prefer to pick individual companies to receive pricing from, we have a listing of insurance coverage companies in your area. Click to view list.

Compare rates however you want, just be sure to compare identical coverage limits for each price quote. If you use different values for each quote you will not be able to find the best deal for your Ford Thunderbird.

Do you qualify for discounts?

Insurance coverage is easily one of your largest bills, but there may be some discounts that could drop your premiums quite a bit. Some discounts apply automatically when you quote, but some may not be applied and must be requested specifically prior to getting the savings.

  • Paperwork-free – A few larger online companies provide a small discount for buying your policy on the web.
  • Savings for New Vehicles – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Claim Free – Claim-free drivers get the best insurance coverage rates when compared with drivers who are more careless.
  • No Charge for an Accident – This one isn’t a discount, but companies like State Farm, Progressive and Geico will forgive one accident before hitting you with a surcharge as long as you don’t have any claims prior to being involved in the accident.
  • Safe Drivers – Accident-free drivers can pay as much as 50% less on Thunderbird coverage than less cautious drivers.
  • Multiple Vehicles – Insuring primary and secondary vehicles with one company can get a discount on all vehicles.
  • Early Payment Discounts – If you pay your bill all at once rather than spreading payments over time you can actually save on your bill.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and earn discounts up to 10%.
  • Early Signing – Some insurance coverage companies provide a discount for switching companies early. It’s a savings of about 10%.
  • Data Collection Discounts – People who choose to allow their company to look at driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they exhibit good driving behavior.

Policy discounts save money, but most credits do not apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way.

A few companies that may offer quotes with many of the previously listed discounts possibly include:

When quoting, ask each insurance company which discounts they offer. Some credits might not be offered on policies in your area. If you would like to view providers who offer free insurance coverage quotes, click this link.

The Ford Thunderbird insurance cost equation

Multiple criteria are considered when premium rates are determined. Some of the criteria are obvious like your driving record, but other factors are not quite as obvious like your vehicle usage or how safe your car is.

The list below includes some of the factors that factor into premiums.

  • Keep claims to a minimum – If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies award better rates to policyholders who are not frequent claim filers. Insurance coverage is meant to be used in the event of larger claims.
  • Your credit history is important – An insured’s credit score is likely to be a major factor in calculating your insurance rates. If your credit history leaves room for improvement, you could be paying less to insure your 1991 Ford Thunderbird by improving your rating. People with high credit scores tend to file fewer claims and have better driving records than those with worse credit.
  • Marriage discount – Your spouse actually saves money on your policy. Marriage means you’re more mature and responsible and insurance companies like that married couples file fewer claims.
  • Pleasure use saves money – The more miles you rack up on your Ford in a year the more you’ll pay to insure your vehicle. Most companies apply a rate determined by how the vehicle is used. Cars and trucks that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your declarations sheet is rated on how each vehicle is driven. An improperly rated Thunderbird is throwing money out the window.
  • Bump up coverage deductibles to lower rates – Physical damage deductibles state the amount of money you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, aka comp and collision, insures against damage to your car. Examples of covered claims could be rearending another vehicle, fire damage, and damage from wind. The more money you’re willing to pay, the lower your rates will be on Thunderbird coverage.
  • Don’t cancel your insurance policy without a new one in place – Having a gap between insurance policy dates can be a guaranteed way to trigger a rate increase. And not only will your rates increase, not being able to provide proof of insurance may earn you a revoked license or a big fine. You may need to file a SR-22 with your state motor vehicle department.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help highlight if your insurance needs might need professional guidance.

  • What can I do if my company denied a claim?
  • Is my trailer covered?
  • Do I have any recourse if my insurance company denies a claim?
  • Is a new car covered when I drive it off the dealer lot?
  • What is the minimum liability in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Insurance coverage considerations

Understanding the coverages of insurance can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Liability coverages

Liability coverage will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as funeral expenses, medical services, structural damage, loss of income and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, colliding with another moving vehicle, colliding with a tree, rolling your car and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like rehabilitation expenses, chiropractic care and ambulance fees. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, falling objects and damage from flooding. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Ford Thunderbird.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Never pay more for less

You just read a lot of techniques to compare 1991 Ford Thunderbird insurance prices online. The key concept to understand is the more you quote auto insurance, the better likelihood of getting affordable auto insurance. Drivers may discover the lowest prices are with the smaller companies. Regional companies often have lower rates on specific markets compared to the large companies like State Farm, Geico and Nationwide.

As you shop your coverage around, never buy poor coverage just to save money. There are a lot of situations where someone dropped comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at the best price and still be able to protect your assets.

Some insurance providers do not offer online price quotes and usually these regional insurance providers only sell coverage through independent insurance agencies. Cheaper insurance is available both online as well as from insurance agents, so you need to compare both in order to have the best price selection to choose from.

More information is located at these links: