How Much Does 1996 Ford Thunderbird Car Insurance Cost?

Scraping up a payment for high-priced Ford Thunderbird insurance can eat up your accounts and put a big crunch on your finances. Lots of insurance companies contend for your insurance dollar, so it’s not easy to compare every provider to find the absolute best rates possible.

How to compare insurance coverage quotes

Getting a low cost price on 1996 Ford Thunderbird insurance can be quick and easy. You just need to take a couple of minutes comparing rate quotes to see which company has the cheapest car insurance quotes. This can easily be done by following the guidelines below.

  • The recommended way to find the lowest comparison rates is a comparison rater form click to view form in new window. This quick form saves time by eliminating repetitive form submissions for every insurance coverage company. Filling out one form gets you price quotes instantly.
  • A different way to find lower rates requires a trip to the website of each company and complete a new quote form. For example, let’s assume you want to compare rates from Allstate, Liberty Mutual and GMAC. In order to compare rates, you need to go to each individual site and punch in your information repeatedly, which explains why we recommend starting with the first method.

    For a list of links to insurance companies in your area, click here.

Compare rates however you want, just make absolute certain that you use equivalent coverage limits on every price quote you get. If your comparisons have different values for each quote it will be nearly impossible to determine which rate is truly the best.

Auto insurance policy discounts you can’t miss

Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so we researched both well-publicized in addition to some of the lesser obvious discounts that may be available.

  • Driving Data Discount – Policyholders that allow companies to spy on driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as they are good drivers.
  • Theft Deterent – Cars, trucks, and SUVs with anti-theft systems help deter theft and can earn a small discount on your policy.
  • Service Members Pay Less – Being deployed with a military unit could mean lower premium rates.
  • Sign Early and Save – Some larger companies reward drivers for switching to them before your current coverage expires. You could save around 10% when you buy car insurance online.
  • Paper-free Discount – Some insurance companies will provide an incentive just for signing your application online.
  • Senior Citizen Discount – Drivers that qualify as senior citizens may receive better auto insurance rates on Thunderbird insurance.
  • Discount for Life Insurance – Some insurance companies give better prices if you take out a life insurance policy as well.

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, companies don’t profit that way.

Companies and their possible discounts are outlined below.

  • State Farm offers premium reductions for good driver, student away at school, multiple autos, multiple policy, good student, accident-free, and passive restraint.
  • Geico may have discounts that include multi-vehicle, federal employee, good student, air bags, and anti-lock brakes.
  • SAFECO has savings for accident prevention training, homeowner, bundle discounts, anti-lock brakes, and anti-theft.
  • Farmers Insurance has discounts for business and professional, early shopping, switch companies, mature driver, bundle discounts, and teen driver.
  • AAA offers discounts including multi-policy, education and occupation, good student, AAA membership discount, and good driver.
  • USAA offers discounts for multi-vehicle, driver training, multi-policy, safe driver, good student, and defensive driver.

Double check with each company or agent to give you their best rates. Some of the earlier mentioned discounts might not be offered on policies in your area. To choose companies that offer multiple discounts, click here.

Four things that determine your insurance prices

Lots of things are part of the equation when pricing auto insurance. A few of the factors are predictable such as your driving record, although some other factors are more obscure such as whether you are married or your financial responsibility.

The list below includes some of the things used by companies to determine your rate level.

  • Gender as a rate factor – Over the last 50 years, statistics have shown females are less aggressive when driving. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women cause fender benders in similar percentages, but men tend to have higher claims. Not only are claims higher, but men get cited for more serious violations like reckless driving and DUI.
  • Credit score impacts rates – A driver’s credit rating can be an important factor in your rate calculation. Insureds that have high credit ratings tend to be more responsible and file fewer claims than drivers with lower ratings. Therefore, if your credit history can be improved, you could save money insuring your 1996 Ford Thunderbird by improving your credit score.
  • Companies want multiple policies – Most insurance companies apply better rates to clients that purchase more than one policy in the form of a multi-policy discount. Discounts can be as much as ten percent or more Even if you already get this discount, you still need to check prices from other companies to make sure you are getting the best deal.There is a chance you can save even more than the discount even if you have your coverage with different companies
  • What are good liability insurance limits? – Your auto insurance policy’s liability coverage will provide protection when you are ruled to be at fault for an accident. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Insurance agents can help

When it comes to buying adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might point out if your situation will benefit from professional help.

  • Does my personal policy cover me when driving out-of-state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I have any recourse if my insurance company denies a claim?
  • Will my rates increase for filing one claim?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Who is covered by my policy?
  • How high should deductibles be on a 1996 Ford Thunderbird?
  • Am I missing any policy discounts?
  • Can my teen drive my company car?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverages and their meanings

Understanding the coverages of your policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as dental work, rehabilitation expenses and surgery. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision – Collision insurance will pay to fix damage to your Thunderbird resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, driving through your garage door, crashing into a building and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Thunderbird.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability coverage – This provides protection from injuries or damage you cause to other’s property or people. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as repair bills for other people’s vehicles, bail bonds, medical services and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, a tree branch falling on your vehicle, falling objects and hitting a bird. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Shop smart and save

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. In many instances, an insured cut full coverage only to discover later that the savings was not a smart move. Your goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Budget-conscious 1996 Ford Thunderbird insurance is definitely available both online and from local agencies, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not offer price quotes online and usually these smaller companies provide coverage only through independent agencies.

In this article, we presented a lot of tips how to save on 1996 Ford Thunderbird insurance. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may discover the lowest car insurance rates come from a lesser-known regional company. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

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