Lower Your 1993 Ford Thunderbird Insurance Cost

Are you intimidated by the number of auto insurance sources? Lot’s of other people are too. There are such a large number of options that it can quickly become a ton of work to find the lowest price.

Buy insurance online

Effectively comparing insurance prices can be a lot of work if you don’t understand the most efficient way to do it. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize the web to get prices fast.

Many insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and at least one company then gives them pricing. This saves time by eliminating quote forms to each company.

To compare rates using this form now click here to start a free quote.

The one disadvantage to doing it this way is that you can’t choose which companies you will receive quotes from. So if you want to choose specific insurance companies to request quotes from, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just make sure you use the exact same coverages for each quote you get. If you are comparing higher or lower deductibles it’s impossible to truly determine the lowest rate. Quoting even small variations in limits could mean much higher rates. And when comparison shopping, comparing more rates from different companies will increase your chances of finding more affordable rates.

Insurance coverage policy discounts you can’t miss

Some providers do not advertise every policy discount very clearly, so we break down both well-publicized and the more hidden credits that you can use to lower your rates.

  • Drive Less and Save – Driving less can earn cheaper premium rates.
  • E-sign – A few insurance companies provide a small discount just for signing your application digitally online.
  • Discount for Passive Restraints – Options like air bags can qualify for discounts up to 30%.
  • Good Student Discount – Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying in monthly installments you can actually save on your bill.
  • Discount for Multiple Policies – When you have multiple policies with the same insurance company you could earn a discount of at least 10% off all policies.
  • Lower Rates for Military – Being deployed in the military could mean lower insurance coverage rates.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Onboard Data Collection – Policyholders that allow companies to monitor when and where they use their vehicle by using a telematics device such as State Farm’s In-Drive could save a few bucks as long as the data is positive.
  • New Vehicle Savings – Buying a new car instead of a used car may earn a small discount because newer models are generally safer.

Just know that most credits do not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, nobody gets a free ride.

The best insurance coverage companies and some of the discounts are:

  • Geico may have discounts that include seat belt use, five-year accident-free, military active duty, anti-lock brakes, good student, and membership and employees.
  • USAA offers discounts including driver training, family discount, annual mileage, defensive driver, vehicle storage, and good student.
  • Progressive offers premium reductions for continuous coverage, multi-policy, good student, online signing, online quote discount, and homeowner.
  • American Family has discounts for multi-vehicle, bundled insurance, mySafetyValet, Steer into Savings, defensive driver, and air bags.
  • Esurance discounts include emergency road assistance, renters, multi-car, homeowner, Switch & Save, and good student.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, homeowner, pay in full, early shopping, business and professional, multi-car, and mature driver.
  • State Farm offers discounts for student away at school, good driver, accident-free, Steer Clear safe driver discount, multiple policy, and anti-theft.

If you are trying to find low cost insurance quotes, ask every insurance company the best way to save money. Some discounts listed above may not apply to policies in your state. To see a list of companies that have a full spectrum of discounts, click this link.

Insurance agents can help

When choosing the best car insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique.

For example, these questions might point out if your situation would benefit from an agent’s advice.

  • What is the minimum liability in my state?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving on a suspended license?
  • What is an SR-22 filing?
  • Is my cargo covered for damage or theft?
  • How can I get my company to pay me more for my totalled car?
  • Do I need higher collision deductibles?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Car insurance coverage information

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses like dental work, chiropractic care, funeral costs, EMT expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Liability car insurance

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like loss of income, funeral expenses, attorney fees and emergency aid. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Collision insurance

Collision insurance covers damage to your Thunderbird resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, hitting a parking meter, crashing into a building, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 1993 Ford Thunderbird.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle, hail damage and falling objects. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.