Compare 2004 Ford Thunderbird Insurance Quotes

Comparing and finding low cost prices for Driversinsurance could be difficult for drivers who are new to online rate comparisons. With dozens of insurers to choose from, it can easily turn into a difficult situation to compare rates.

Compare insurance rate quotes online

When shopping for the cheapest insurance quotes, there are a couple of ways to compare quotes from different companies. The fastest way to lower the rate you pay for 2004 Ford Thunderbird insurance is to get quotes online. It’s really quite simple and can be done by using one of the methods below.

1. The fastest way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form keeps you from doing separate quote forms for each price estimate. One form submission will get you price quotes from several companies. Just one form and you’re done.
2. A harder way to compare rate quotes is to take the time to go to the website for each individual company and complete a new quote form. For instance, let’s assume you want to get rates from Progressive, State Farm and Allstate. To find out each rate you need to go to every website to enter your coverage information, which is why the first method is quicker.

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

Whichever method you choose, ensure you’re using apples-to-apples coverage limits and deductibles for each comparison quote. If the quotes have mixed coverages it’s impossible to determine the best price for your Ford Thunderbird. Quoting even small variations in coverage limits may result in a large different in cost. Keep in mind that quoting more helps improve the odds of finding more affordable insurance. Not every company allows you to get price estimates online, so it’s important to compare quotes from them as well.

Use discounts on auto insurance

The cost of insuring your cars can be expensive, but you may be missing some discounts to help offset the cost. Most are applied when you get a quote, but a few must be specially asked for before being credited.

• Home Ownership Discount – Owning a home may earn you a small savings since home ownership shows financial diligence.
• Military Rewards – Being on active deployment in the military may lower your auto insurance rates slightly.
• Memberships – Joining a professional or civic organization is a simple method to lower premiums on your next auto insurance statement.
• Mature Driver Discount – Older drivers may receive reduced rates on Thunderbird insurance.
• Payment Discounts – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
• Government Employee Discount – Being employed by or retired from a federal job could cut as much as 10% off on Thunderbird insurance depending on your auto insurance provider.
• Accident Forgiveness – Not necessarily a discount, but a few companies such as Allstate, State Farm and Geico will let one accident slide before hitting you with a surcharge if your claims history is clear for a specific time period.

Just know that most discounts do not apply the the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

To choose providers offering auto insurance discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your situation will benefit from professional help.

• What is the rate difference between pleasure use and commuting?
• At what point should I drop full coverage?
• Am I covered when pulling a rental trailer?
• When do I need to add a new car to my policy?
• Does car insurance cover theft of personal property?
• When should my teen driver be added to my policy?
• Is my custom paint covered by insurance?
• Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverages explained

Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

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

Collision can pay for claims like hitting a mailbox, driving through your garage door, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses for pain medications, rehabilitation expenses, funeral costs and hospital visits. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, theft, vandalism and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability insurance

Liability insurance will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, bail bonds, medical expenses, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.