Cheaper 2003 Ford Thunderbird Car Insurance Quotes

There isn’t a single person who likes buying insurance coverage, especially when the cost is way too high. Since you have so many online and local companies to choose from, it is hard for the average consumer to pick the lowest price insurance company.

Finding affordable protection is not that difficult. If you have insurance now or need a new policy, you can learn to cut your premiums and still get good coverage. Consumers only need an understanding of the proper methods to buy insurance coverage on the web.

Choices you make can impact your insurance rates

Many factors are considered when quoting car insurance. Some of the criteria are obvious such as traffic violations, although others are more obscure such as your marital status or how safe your car is.A large part of saving on insurance is knowing a few of the rating criteria that help calculate the rates you pay for insurance. When you know what positively or negatively influences your rates, this enables informed choices that may result in lower insurance prices.

  • Save money by eliminating incidental coverages – There are a ton of extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, better glass coverage, and extra equipment coverage may be costing you every month. They may sound like good ideas when deciding what coverages you need, but if you’ve never needed them in the past get rid of them and save.
  • Discounts for theft deterrents – Selecting a car model that has an advanced theft prevention system can help lower your rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.
  • Premiums are high for teenagers – Older insureds have been proven to be more responsible, cost insurance companies less in claims and are safer drivers.Drivers with little experience tend to be inattentive with other occupants in the car so they pay higher insurance rates.
  • Discounts for auto and home policies – Lots of insurers give a discount to buyers that have more than one policy in the form of a multi-policy discount. Even with this discount applied, drivers will still want to check prices from other companies to ensure the best deal. It’s possible to still find lower rates by splitting coverages up.

How to compare free insurance quotes

Most larger insurance companies allow you to get coverage prices on their websites. Doing online price comparisons can be done by anyone because it’s just a matter of typing in your required coverages into the quote form. After you complete the form, the system collects your driving record and credit report and returns a price quote. Online price estimates makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively type in the same data is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible if you are searching for a better rate.

Keep reading for an easier way to compare prices

The easiest way to get multiple rate quotes uses just one form that gets prices from more than one company. The form is fast, requires less work, and makes online price comparison much more efficient. After your information is entered, it gets priced and you can select your choice of the returned quotes.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. This process takes less than 15 minutes and could lower your rates considerably.

To quickly fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you type in the coverages as shown on your current policy. This ensures you are getting a rate comparison for exact coverage.

Drivers can save with these discounts

Car insurance can cost a lot, but you may qualify for discounts that many people don’t even know exist. Some of these disounts will be visible at the time of quoting, but lesser-known reductions have to be asked about prior to receiving the credit.

  • No Claims – Good drivers with no accidents have much lower rates in comparison with drivers with a long claim history.
  • Passive Restraint Discount – Factory options such as air bags or automatic seat belts may qualify for discounts of up to 25% or more.
  • Defensive Driver – Taking a course teaching driver safety skills may get you a small discount and make you a better driver.
  • Driver Education Discount – Teen drivers should sucessfully take a drivers education course in school or through a local driver safety program.
  • Early Switch Discount – Some insurance companies provide a discount for switching companies before your current expiration date. This discount can save up to 10%.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance since owning and maintaining a home requires personal responsibility.
  • Discounts for Federal Employees – Simply working for the federal government could provide a small rate reduction on Thunderbird coverage depending on your company.
  • Distant College Student Discount – Older children who live away from home to go to college without a vehicle on campus could get you a discount.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way. But all discounts should help reduce the amount you have to pay.

Companies and some of the premium reductions they offer can be read below.

  • State Farm offers premium reductions for Steer Clear safe driver discount, student away at school, multiple autos, passive restraint, good student, safe vehicle, and accident-free.
  • Esurance may include discounts for online shopper, renters, multi-car, homeowner, Pac-12 alumni, and anti-theft.
  • Progressive includes discounts for online quote discount, continuous coverage, good student, online signing, homeowner, multi-policy, and multi-vehicle.
  • Liberty Mutual policyholders can earn discounts including new vehicle discount, newly retired, multi-policy, multi-car, and new graduate.
  • Auto-Owners Insurance may have discounts that include anti-lock brakes, multi-policy, company car, mature driver, air bags, paperless, and multiple vehicles.
  • Geico may offer discounts for daytime running lights, good student, multi-vehicle, membership and employees, and multi-policy.

Before you buy a policy, ask all the companies to give you their best rates. Some of the discounts discussed earlier may not apply to policies in every state. To locate companies that offer many of these discounts, follow this link.

Special considerations

When it comes to choosing adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help you determine whether or not you might need an agent’s assistance.

  • Why am I required to buy liability insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Can my babysitter drive my car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is high-risk coverage and where do I buy it?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Car insurance coverages explained

Having a good grasp of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on the average car insurance policy.

Collision insurance

Collision coverage covers damage to your Thunderbird resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, rolling your car and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverage

Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, legal defense fees and court costs. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive car insurance

Comprehensive insurance will pay to fix 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 claims like theft, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like surgery, ambulance fees and prosthetic devices. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Thunderbird.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Shop around and save

The cheapest 2003 Ford Thunderbird insurance is definitely available from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not have online rate quotes and usually these small insurance companies only sell through independent agents.

We’ve covered many tips how you can lower your 2003 Ford Thunderbird insurance auto insurance rates. The most important thing to understand is the more you quote car insurance, the higher the chance of saving money. Consumers may even find the best auto insurance rates are with a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and Geico.

Additional detailed information can be found by following these links: