Save on 1995 Ford Thunderbird Insurance Quotes

Searching for the cheapest auto insurance rates for your Ford Thunderbird? Finding affordable auto insurance can seem to be challenging for people who are new to shopping for insurance online. You have so many options available that it can be a real hassle to find lower rates.

It’s important to do rate comparisons yearly because insurance rates are constantly changing. If you had the best price for Thunderbird insurance a couple years back you can probably find a better price now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to use online quotes to buy cheaper auto insurance.

If you are paying for car insurance now, you will be able to save some money using these techniques. Buying the best protection is not that difficult. But consumers benefit from understanding how insurance companies price insurance differently because it can help you find the best coverage.

Take discounts and save

Companies that sell car insurance do not advertise every discount very clearly, so we took the time to find some of the more common and the more hidden savings tricks you should be using.

  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • No Claims – Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
  • Life Insurance Discount – Larger companies have better rates if you take out a life insurance policy as well.
  • Multi-policy Discount – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

For a list of companies offering auto insurance discounts, click here.

Comprehensive Car Insurance Comparison

Shopping for lower car insurance rates can be exhausting if you don’t understand the most efficient way to do it. You could spend your day talking about coverages with agents in your area, or you could use online quotes to get prices fast.

The majority of car insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and at least one company then returns a price quote determined by their information. This saves time by eliminating quote requests to every company.

To find out what other companies charge for 1995 Ford Thunderbird insurance click here (opens in new window).

One minor caviat to comparing rates this way is that you can’t choose which carriers you want pricing from. So if you prefer to choose from a list of companies for rate comparison, we have a page of car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just be sure to compare the exact same information on every quote. If you enter differing limits it will be very difficult to decipher which rate is best. Having just a slight variation in coverages can make a big difference in price. Just keep in mind that having more price comparisons provides better odds of finding better pricing.

Why your Ford Thunderbird might be costing you more

Consumers need to have an understanding of the factors that play a part in calculating insurance rates. Having a good understanding of what impacts premium levels enables informed choices that could result in big savings.

  • Proper usage rating affects rates – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on their usage. Cars and trucks left parked in the garage can get a lower rate compared to those used for work or business. Make sure your insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money. Incorrect usage on your Thunderbird may be costing you.
  • Your age impacts your rates – Teenage drivers have a tendency to be careless and easily distracted when behind the wheel so insurance rates are higher. Older insureds are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • Men pay higher rates – The statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. They both cause accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.
  • Where you live – Choosing to live in small towns and rural areas can be a good thing when talking about insurance. City drivers have to deal with much more traffic and longer commute times. Lower population means a lower chance of having an accident.
  • Cautious drivers pay less – Only having one ticket may increase your cost by as much as thirty percent. Drivers with clean records get better rates than their less careful counterparts. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Being married can save on insurance – Having a spouse can get you a discount on your insurance policy. It means you’re more mature and it’s statistically proven that drivers who are married are more cautious.
  • Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you when a jury decides you are liable for damages from an accident. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • Should I rate my 1995 Ford Thunderbird as pleasure use or commute?
  • How do I file an SR-22 for a DUI in my state?
  • If my pet gets injured in an accident are they covered?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I buy additional glass protection?
  • How do I buy GAP insurance?
  • Can I afford to buy a different vehicle if my 1995 Ford Thunderbird is totaled?
  • Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Beware of misleading car insurance ads

Progressive, Allstate and Geico consistently run ads on television and other media. All the companies say the same thing that you can save if you change your policy. How do they all make the same claim? This is how they do it.

Different companies are able to cherry pick for the type of customer that is profitable for them. For instance, a driver they prefer could possibly be over the age of 50, insures multiple vehicles, and has excellent credit. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don’t qualify for the requirements must pay higher prices and this can result in business not being written. The ads state “people who switch” not “everybody who quotes” save that much. That’s why companies can truthfully state the savings. This illustrates why it’s extremely important to compare as many rates as you can. It’s not possible to predict which insurance companies will fit your personal profile best.

Specific coverage details

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance – Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like bail bonds, legal defense fees, pain and suffering, structural damage and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments – Med pay and PIP coverage reimburse you for expenses like hospital visits, nursing services and EMT expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – This coverage covers damage to your Thunderbird resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a parking meter, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, hitting a deer, fire damage and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1995 Ford Thunderbird.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Have money to burn

Cheap 1995 Ford Thunderbird insurance can be bought both online and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance coverage companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

Consumers who switch companies do it for a variety of reasons including policy cancellation, questionable increases in premium, high rates after DUI convictions and even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Helpful articles