View 1996 Ford Thunderbird Car Insurance Quotes

Nobody looks forward to paying for insurance coverage, especially when the cost is way too high. There are many car insurance companies to choose from, and although it’s nice to be able to choose, lots of choices makes it harder to find the best rates for your vehicles.

Consumers should take time to compare rates at least once a year since insurance rates go up and down regularly. If you had the best price for Thunderbird insurance two years ago a different company probably has better rates today. Don’t believe everything you read about insurance coverage online, so with this article, you’re going to get some good information on how to stop overpaying for insurance.

Finding affordable coverage is quite easy. If you have insurance now or are just looking to switch companies, you can use these tips to find better prices and still get good coverage. Drivers just need to understand the best way to find the lowest price over the internet.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so we took the time to find some of the best known and the harder-to-find insurance coverage savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Thunderbird insurance.
  • Discount for New Cars – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Drivers Education – Require your teen driver to take driver’s ed class in school.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free insurance coverage policy, it just doesn’t work that way.

For a list of insurers who offer insurance coverage discounts, click this link.

Situations that might require an agent

When it comes to choosing the best insurance coverage coverage, there really is not a best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out if your situation would benefit from professional advice.

  • Do I need PIP coverage since I have good health insurance?
  • Will my insurance pay for OEM parts?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my teen driver covered when they drive my company car?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if my car is in a flood?
  • Am I getting all the discounts available?
  • Which companies will insure high-risk drivers?
  • Can I afford to buy a different vehicle if my 1996 Ford Thunderbird is totaled?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

The coverage is in the details

Knowing the specifics of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages available from insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for things like EMT expenses, pain medications and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, damage from flooding, hail damage, a tree branch falling on your vehicle and vandalism. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

Collision coverage pays for damage to your Thunderbird resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Liability

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

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like funeral expenses, emergency aid and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Make an honest buck

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. In many cases, someone sacrificed uninsured motorist or liability limits only to find out that it was a big mistake. Your strategy should be to find the BEST coverage for the lowest price.

We just presented some good ideas how you can compare 1996 Ford Thunderbird insurance prices online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the best price on auto insurance is with some of the smallest insurance companies. These companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

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