Cheap 1990 Ford Thunderbird Insurance Rates

Nobody I know looks forward to buying car insurance, especially when the cost is too high. You have multiple car insurance companies to pick from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to find a good deal.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Consumers just need to learn the best way to shop for insurance coverage online.

Why your Ford Thunderbird insurance rates may be high

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Understanding what influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

The following are a partial list of the pieces that factor into prices.

  • Your location affects your rates – Living in a small town can save you money when it comes to car insurance. Fewer drivers translates into fewer accidents and a lower car theft rate. Urban drivers have to deal with traffic congestion and much longer commute distances. More time on the road translates into higher accident risk.
  • Bump up deductibles to save – The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The higher the amount you’re willing to pay, the bigger discount you will receive for Thunderbird coverage.
  • Better crash test results mean better rates – Vehicles with good safety scores get lower rates. These vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Ford Thunderbird earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Clean credit earns discounts – Your credit rating is a important factor in calculating your car insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower credit ratings. If your credit rating can use some improvement, you could save money insuring your 1990 Ford Thunderbird by repairing your credit.

Save money by taking advantage of these discounts

Companies that sell car insurance don’t always list all their discounts very clearly, so here is a list both well-publicized and the more hidden car insurance savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Save with a New Car – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Distant Student – Children who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Sign Online – Certain companies give back up to $50 simply for signing on their website.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Save over 55 – Mature drivers may receive a discount up to 10% for Thunderbird coverage.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

Companies who might offer these money-saving discounts are:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts might not be offered everywhere.

When should I use an insurance agent?

When buying the best insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique so your insurance needs to address that. For example, these questions can help discover if your situation could use an agent’s help.

  • What is UM/UIM insurance?
  • Am I covered if hit by an uninsured driver?
  • Do I have newly-aquired coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How do I insure my teen driver?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Thunderbird.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverage

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

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses such as X-ray expenses, nursing services, hospital visits, funeral costs and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Auto liability insurance

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like medical expenses, court costs, medical services and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, damage from a tornado or hurricane and fire damage. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Smart consumers save more

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are many occasions where an accident victim reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at an affordable rate.

Lower-priced 1990 Ford Thunderbird insurance can be purchased on the web and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide online price quotes and these smaller companies work with independent agents.

Even more information can be read at these sites: