1994 Ford Thunderbird Car Insurance Quotes – 9 Tips for Cheapest Rates

Searching for cheaper insurance rates for your Ford Thunderbird? Nobody likes paying for insurance, especially when the cost is too high.

There is such a variety of insurance companies to pick from, and although it’s a good thing to have a choice, it can be more challenging to compare rates and cut insurance costs.

Pricing cheaper coverage is not that difficult. Basically, every vehicle owner who is required by state law to have insurance coverage will be able to find better rates. But consumers do need to learn how companies sell insurance online and apply this information to your search.

The best way we recommend to compare rate quotes is to know most insurance companies pay for the opportunity to give you rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information including your job, the year, make and model of vehicles, your education level, and how many miles driven. That information is instantly sent to many of the top insurers and they provide comparison quotes with very little delay.

Are you falling for claims of savings?

21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies say the same thing about savings if you change to their company. How does each company claim to save you money? It’s all in the numbers.

Different companies can use profiling for the type of driver that is profitable for them. For example, a profitable customer could possibly be over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get very good rates and therefore will cut their rates substantially.

Potential customers who are not a match for these standards must pay higher prices which leads to business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. This is how companies can truthfully claim big savings.

This illustrates why drivers should compare many company’s rates. It’s impossible to know which insurance company will provide you with the cheapest Ford Thunderbird insurance rates.

Save on 1994 Ford Thunderbird insurance

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Certain discounts will be applied at the time of purchase, but a few must be inquired about in order for you to get them.

  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off on Thunderbird coverage with select insurance companies.
  • Sign Early and Save – Select companies give a discount for switching to them before your current expiration date. It can save you around 10%.
  • Homeowners Discount – Owning a house can help you save on car insurance because of the fact that having a home requires personal responsibility.
  • Low Mileage – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Thunderbird coverage than drivers with accident claims.
  • Good Student Discount – This discount can save 20 to 25%. The good student discount can last until age 25.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Save over 55 – Older drivers may receive reduced rates on Thunderbird coverage.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.

Keep in mind that many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will cut the cost of coverage.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Check with all companies you are considering how you can save money. Savings may not be available in your state.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different so this has to be addressed. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if I hit a deer?
  • Who is covered when they drive my 1994 Ford Thunderbird?
  • Do I have coverage when making deliveries for my home business?
  • Is my custom paint covered by insurance?
  • When would I need rental car insurance?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance policy specifics

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages offered by auto insurance companies.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, theft, hitting a deer and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for things like surgery, X-ray expenses and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Liability coverage

Liability coverage protects you from damage that occurs to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like funeral expenses, repair costs for stationary objects, loss of income, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Pennies from heaven

Affordable 1994 Ford Thunderbird insurance can be purchased both online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut collision coverage only to regret at claim time that it was a big error on their part. The proper strategy is to get the best coverage possible at a price you can afford, not the least amount of coverage.

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