1990 Ford Thunderbird Insurance Quotes – 9 Ideas for Best Rates

Trying to find lower insurance rates for your Ford Thunderbird? Did you fall for a flashy sales pitch and buy overpriced insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Many insurers vie for your business, and because of this it can be hard to compare insurers and get the definite best price available.

It’s a great practice to compare prices quite often due to the fact that insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest price on Thunderbird coverage on your last policy a different company probably has better rates today. Don’t believe everything you read about insurance on the web, but by reading this article, you’re going to learn some great ideas on how to reduce your insurance bill.

How to Get Cheap Insurance

Finding a better price on insurance can be relatively painless. All you need to do is take the time getting comparison quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

The most efficient way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating separate forms for each company. A single form gets you price quotes from many national carriers.

A more time consuming way to compare prices consists of visiting each company’s website and fill out their own quote form. For example, we’ll pretend you want rates from Nationwide, Liberty Mutual and State Farm. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

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

The most time-consuming method of getting rate comparisons is to spend your day driving to insurance agents’ offices. Shopping for insurance online makes this process obsolete unless you want the trained guidance that only a license agent can provide. However, consumers can price shop online and still use a local agent.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same quote information for every quote you compare. If you compare unequal deductibles or liability limits it will be impossible to find the best deal for your Ford Thunderbird.

Are car insurance companies telling the truth?

Consumers constantly see and hear ads for the lowest price auto insurance by companies like Progressive, Allstate and GEICO. All the ads make an identical promise of big savings if you change to them.

How can each company make almost identical claims?

Different companies have a certain “appetite” for the driver they prefer to insure. A good example of a desirable insured might be between 30 and 50, has no prior claims, and has excellent credit. Any new insured that hits that “sweet spot” is entitled to the best price and therefore will cut their rates substantially.

Consumers who are not a match for the requirements must pay higher rates and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save that much money. That is how insurance companies can claim big savings. This illustrates why you should quote coverage with many companies. It’s not possible to predict which car insurance company will give you the biggest savings on Ford Thunderbird insurance.

More discounts equal less premium

Companies do not list all their discounts very well, so we researched both well-publicized and the harder-to-find ways to save on insurance coverage. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Seat Belts Save – Requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared to bad drivers.
  • Homeowners Pay Less – Owning a house can save you money because maintaining a house is proof that your finances are in order.
  • Discount for Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Thunderbird coverage with select insurance companies.
  • Student in College – Any of your kids living away from home attending college and do not have a car can receive lower rates.
  • Low Mileage – Fewer annual miles on your Ford could qualify for discounted rates on garaged vehicles.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So when it seems like you could get a free insurance coverage policy, it doesn’t quite work that way.

For a list of companies offering insurance coverage discounts, click here to view.

It’s not one size fits all

When it comes to buying adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different so this has to be addressed. For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • When should I buy a commercial auto policy?
  • Do I benefit by insuring my home with the same company?
  • When should I remove comp and collision on my 1990 Ford Thunderbird?
  • Am I covered if I crash into my own garage door?
  • How do I insure my teen driver?
  • Do I need higher collision deductibles?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your insurance policy

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a bird, vandalism, damage from getting keyed and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1990 Ford Thunderbird.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for rehabilitation expenses, doctor visits, dental work, chiropractic care and ambulance fees. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage protects you from damage that occurs to people or other property by causing 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 commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, emergency aid and medical services. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Collision insurance

This covers damage to your Thunderbird from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, rolling your car, crashing into a ditch, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Get your money’s worth

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

We just showed you a lot of techniques to get a better price on 1990 Ford Thunderbird insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a lesser-known regional company. They may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.

Additional detailed information can be read by following these links: