2004 Ford Thunderbird Insurance Quotes – 5 Tricks for Cheaper Rates

Nobody I know looks forward to buying insurance coverage, especially when the cost is too high. Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the best rate

It’s important to shop coverage around on a regular basis since insurance rates change quite often. Even if you think you had the lowest rates on Thunderbird coverage last year you can probably find a lower rate today. So just block out anything you think you know about insurance coverage because it’s time to teach you the easiest way to save money, get proper coverage and the best rates.

If you have a current car insurance policy or are looking for a new policy, you can use this information to get lower rates while maintaining coverages. Choosing the best insurance company for you is quite easy. Consumers only need to know the tricks to shop their coverage around over the internet.

Which Auto Insurance is Cheapest?

All major auto insurance companies allow you to get pricing on the web. This process doesn’t take much effort as you simply type in your required coverages as detailed in the form. After you submit the form their rating system orders credit information and your driving record and generates a price. Online price quotes makes comparing rates easy, but the work required to visit each company’s website and repetitively complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to perform this step in order to find a lower rate.

There is a better way!

The smarter way to locate the lowest prices uses one simple form that analyzes rates from multiple companies. It saves time, requires less work, and makes online shopping much more enjoyable. After sending your information, it is rated and you are able to buy any of the quotes that you receive. If you find a better price you can click and sign and buy the new coverage. It takes just a few minutes to complete and could lower your rates considerably.

In order to get comparison pricing now, click here to open in a new tab and begin entering your coverage information. To compare your current rates, we recommend you complete the form with deductibles and limits exactly as they are listed on your policy. This ensures you will have an apples-to-apples comparison for the exact same coverage.

Don’t miss out on these five money-saving discounts

Companies don’t always publicize all available discounts in a way that’s easy to find, so we researched some of the more common and the harder-to-find auto insurance savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Driver Safety – Successfully completing a defensive driving course can save you 5% or more depending on where you live.
  • Memberships – Belonging to certain professional organizations may earn a discount when buying auto insurance on Thunderbird coverage.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

Car insurance companies that may have some of the above discounts include:

Double check with all companies you are considering which discounts they offer. Discounts may not apply in your state.

Do I need special coverages?

When choosing the right insurance coverage, there is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight whether your personal situation will benefit from professional help.

  • Why am I required to buy liability insurance?
  • Am I covered if I break a side mirror?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my ex-spouse still covered by my policy?
  • Is my teen driver covered when they drive my company car?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage breakdown

Understanding the coverages of a insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses like funeral costs, prosthetic devices and doctor visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Thunderbird.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability

Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as funeral expenses, emergency aid, repair costs for stationary objects, pain and suffering and bail bonds. How much coverage you buy is up to you, but you should buy higher limits if possible.

Auto collision coverage

This will pay to fix damage to your Thunderbird resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, scraping a guard rail, colliding with a tree, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, falling objects and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Buy online or local, you save

You just read some good ideas how you can lower your 2004 Ford Thunderbird insurance rates. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets as compared to the big name companies such as GEICO and State Farm.

When shopping online for auto insurance, make sure you don’t buy less coverage just to save a little money. Too many times, an insured dropped liability coverage limits and learned later that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage for the lowest price while still protecting your assets.

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