2004 Ford Thunderbird Car Insurance Rates

Beginners to price shopping insurance online can find buying cheap auto insurance very challenging.

You should make it a habit to get comparison quotes on a regular basis because insurance rates go up and down regularly. Despite the fact that you may have had the lowest price on Thunderbird insurance a few years ago you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to reduce your cost while improving coverage.

Insurance Comparison Rates

The are a couple different ways of comparing rate quotes from local insurance companies. One of the best ways to find competitive 2004 Ford Thunderbird insurance rates is to get quotes online. This is very easy and can be done using a couple different methods.

  1. One of the simplest ways consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for repetitive form submissions for each company you want a rate for. Filling out one form gets rate comparisons from multiple companies.It’s the quickest way to get rates.
  2. A more time consuming way to compare rate quotes requires a trip to each company’s website and fill out their own quote form. For examples sake, we’ll assume you want comparison quotes from Auto-Owners, State Farm and Farmers. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverage limits and deductibles for each comparison quote. If each company quotes unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Just keep in mind that quoting more provides better odds of finding the best offered rates.

Pay less by taking advantage of discounts

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find some of the more common and the more hidden ways to save on auto insurance.

  • Homeowners Savings – Owning a house can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
  • Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Paperwork-free – A few companies may give you up to $50 simply for signing online.
  • Save over 55 – Mature drivers may be able to get a discount up to 10% on Thunderbird insurance.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Thunderbird insurance than drivers with accidents.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could qualify for a substantially lower rate.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.

It’s important to understand that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, companies don’t profit that way.

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

Check with each insurance company how you can save money. All car insurance discounts may not be available in your area.

Your coverage should be tailored to you

When it comes to buying coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • Do I need an umbrella policy?
  • If my 2004 Ford Thunderbird is totaled, can I afford another vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • Does my 2004 Ford Thunderbird need full coverage?
  • Are my friends covered when driving my 2004 Ford Thunderbird?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

What insurance coverages do you need?

Having a good grasp of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2004 Ford Thunderbird.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as surgery, prosthetic devices, hospital visits, X-ray expenses and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, damage from getting keyed, falling objects and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage – Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people, and 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. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things such as medical expenses, attorney fees, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.