2003 Ford Thunderbird Car Insurance Rates

Looking for better auto insurance rates? Shoppers have options when shopping for low-cost Ford Thunderbird insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to find the lowest rates.

There are more efficient ways to buy auto insurance and we’ll show you the best way to get price quotes for your Ford and get the best price possible from both online companies and local agents.

You should make it a habit to compare rates before your policy renews because insurance rates go up and down regularly. Even if you got the lowest price on Thunderbird insurance on your last policy you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn the fastest and easiest way to properly buy coverages while reducing your premium.

Automobile Insurance Quotes

Getting better 2003 Ford Thunderbird insurance coverage pricing doesn’t have to be difficult. The only requirement is to invest a few minutes comparing rate quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The recommended way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating boring form submissions for every insurance coverage company. One simple form compares rates from all major companies. Just one form and you’re done.
  2. A less efficient way to get comparison quotes requires a visit to the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll assume you want to compare Geico, 21st Century and GMAC. You would have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  3. The most time-consuming method of getting rate comparisons is to drive around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the trained guidance only provided by licensed agents. It is possible to price shop your coverage online and still use a local agent and we’ll talk about that later.

Whichever way you use, be sure to compare exactly the same deductibles and coverage limits on every quote. If you are comparing different liability limits it’s impossible to find the best deal for your Ford Thunderbird.

Save big with these discounts

Car insurance is not cheap, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be asked for before you will receive the discount. If you’re not getting every credit possible, you are throwing money away.

  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Thunderbird insurance than less cautious drivers.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • College Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Claim Free – Good drivers with no accidents pay much less when compared to drivers who are more careless.

Keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky. But all discounts will bring down your overall premium however.

A partial list of companies that possibly offer some of the above discounts include:

Check with each insurance company which discounts they offer. Discounts might not apply in every state.

But I don’t know anything about car insurance

When buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can aid in determining if you would benefit from professional advice.

  • What is an SR-22 filing?
  • Am I better off with higher deductibles on my 2003 Ford Thunderbird?
  • Who is covered when they drive my 2003 Ford Thunderbird?
  • When does my teenage driver need to be added to my policy?
  • What are the financial responsibility laws in my state?
  • Do I need roadside assistance coverage?
  • Who is covered by my policy?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Car insurance coverage information

Understanding the coverages of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision coverages – This coverage covers damage to your Thunderbird resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Thunderbird.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability – This provides protection from damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like attorney fees, repair costs for stationary objects, bail bonds, loss of income and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, falling objects and vandalism. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills like nursing services, pain medications, dental work, chiropractic care and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

In Summary

Affordable 2003 Ford Thunderbird insurance can be purchased online as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance providers don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.

Consumers switch companies for any number of reasons including policy non-renewal, questionable increases in premium, not issuing a premium refund and extreme rates for teen drivers. Whatever your reason, switching companies can be easier than you think.

In this article, we covered some good ideas how you can lower your insurance rates. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the best price on insurance coverage is with an unexpected company.

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