1997 Ford Thunderbird Insurance Rates – 8 Policy Discounts

Consumers have options when looking for affordable Ford Thunderbird insurance. You can either waste hours contacting agents to compare prices or leverage the internet to make rate comparisons.

There are both good and bad ways to find insurance coverage online so you’re going to learn the quickest way to compare rates for a new or used Ford and get the cheapest rates either online or from local insurance agents.

Consumers should take time to do rate comparisons once or twice a year because insurance prices change regularly. Just because you had the best rate on Thunderbird coverage six months ago there is a good chance you can find better premium rates now. You can find a lot of misleading information regarding insurance coverage online, but we’re going to give you some of the best ways to put money back in your pocket.

How to compare free auto insurance rate quotes

Getting a cheap price on 1997 Ford Thunderbird insurance is pretty simple and can save money. The only thing you need to do is take a few minutes to compare free auto insurance quotes provided by online insurance companies. Price comparisons can be done in several different ways.

  1. The most efficient method to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do separate forms for every prospective company. One simple form gets rate comparisons from all major companies. Just one form and you’re done.
  2. A more difficult way to compare prices is going to each company website and repeat the quote process again and again. For examples sake, let’s assume you want to compare prices for Nationwide, Geico and Progressive. You would need to visit each site and type in your information over and over, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but compare the exact same coverage information on every quote you get. If you are comparing differing limits it’s impossible to determine the lowest rate for your Ford Thunderbird.

Slash your car insurance rates with these eight discounts

Car insurance is not cheap, but there’s a good chance there are discounts that you may not know about. Some of these disounts will be visible when you purchase, but some may not be applied and must be requested specifically in order for you to get them. If you check and find you aren’t receiving every discount possible, you could be saving more on your car insurance.

  • Payment Method – By paying your policy upfront instead of making monthly payments you can avoid monthly service charges.
  • 55 and Retired – Seniors can possibly qualify for a small decrease in premiums on Thunderbird coverage.
  • Distant Student Discount – Any of your kids who are enrolled in higher education away from home and do not have a car may be insured at a cheaper rate.
  • No Claim Discounts – Drivers who don’t have accidents can save substantially as opposed to drivers who are more careless.
  • Save with a New Car – Insuring a new car may earn a small discount since newer models have better safety ratings.
  • Drivers Education – Cut your cost by having your teen driver enroll and complete driver’s education as it can save substantially.
  • Paper-free Discount – A few larger online companies will give a small break just for signing your application on your computer.
  • Discount for Low Mileage – Driving fewer miles can qualify you for lower premium rates due to less chance of an accident.

Don’t be shocked that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free car insurance policy, you aren’t that lucky. Any qualifying discounts will positively reduce the amount you pay for coverage.

Popular car insurance companies and their possible discounts can be found below.

  • Geico may have discounts that include daytime running lights, good student, seat belt use, military active duty, and membership and employees.
  • Mercury Insurance policyholders can earn discounts including age of vehicle, good driver, type of vehicle, good student, and low natural disaster claims.
  • Farmers Insurance has savings for youthful driver, homeowner, bundle discounts, pay in full, early shopping, multi-car, and good student.
  • Auto-Owners Insurance may offer discounts for student away at school, mature driver, anti-theft, teen driver, safe driver, multi-policy, and paid in full.
  • Liberty Mutual includes discounts for safety features, new move discount, newly married, multi-car, new vehicle discount, and multi-policy.
  • SAFECO discounts include teen safety rewards, homeowner, anti-lock brakes, teen safe driver, bundle discounts, and anti-theft.
  • Progressive offers discounts for online quote discount, continuous coverage, homeowner, good student, multi-policy, and multi-vehicle.
  • USAA offers premium reductions for multi-vehicle, vehicle storage, defensive driver, safe driver, military installation, and driver training.

When quoting, ask all companies you are considering the best way to save money. Some of the discounts discussed earlier may not apply to policies in your area.

You are unique and your insurance should be too

When it comes to buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

These are some specific questions might point out if you may require specific advice.

  • How do I buy GAP insurance?
  • How do I insure my teen driver?
  • Does my insurance cover my expensive audio equipment?
  • Does coverage extend to a rental car in a foreign country?
  • If I drive on a suspended license am I covered?
  • How can I get my company to pay me more for my totalled car?
  • Do I have newly-aquired coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, theft, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount 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 not worth carrying full coverage.

Liability insurance – This coverage protects you from injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $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. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things such as repair costs for stationary objects, medical expenses, loss of income, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Uninsured and underinsured coverage – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 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. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision – This pays for damage to your Thunderbird from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, sustaining damage from a pot hole, rolling your car, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like doctor visits, rehabilitation expenses, prosthetic devices, X-ray expenses and chiropractic care. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Be a penny pincher

You just read a lot of information how to get a better price on 1997 Ford Thunderbird insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from some of the lesser-known companies.

When searching for cheap auto insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed physical damage coverage and found out when filing a claim that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

A few companies do not offer internet price quotes small insurance companies sell through local independent agents. Low-cost 1997 Ford Thunderbird insurance is attainable both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from.

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