Cheapest 1991 Ford Thunderbird Insurance Rates in 2023
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UPDATED: May 12, 2022
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Trying to find cheaper car insurance rates for your Ford Thunderbird? Nobody looks forward to paying for car insurance, in particular when the cost is too high. You have multiple insurance companies to choose from, and even though it’s nice to have a selection, it can be more challenging to find the lowest rates.
Vehicle Insurance Comparison
Finding lower auto insurance rates is surprisingly easy. All that’s required is to take the time comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.
- The single most time-saving way to find low rates would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for a different quote for every auto insurance company. A single, simple form will get you price quotes direct from many companies.
- Another way to obtain and compare quotes online is spending the time to visit the website for each individual company and request a quote. For examples sake, let’s assume you want to compare Auto-Owners, GEICO and American Family. To get each rate you have to go to every website and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
Whichever way you use, compare apples-to-apples quote information for each comparison quote. If you are comparing unequal deductibles or liability limits it’s not possible to determine which rate is truly the best.
Discounts on Ford Thunderbird insurance
Car insurance is not cheap, but there are discounts available that you may not even be aware of. Certain discounts will be applied when you quote, but lesser-known reductions have to be requested specifically before they will apply. If you aren’t receiving every discount possible, you’re paying more than you need to.
- Multi-car Discount – Buying coverage for more than one vehicle with the same company could earn a price break for each car.
- Club Memberships – Being a member of a professional or civic organization could qualify you for a break when buying car insurance for Thunderbird insurance.
- Accident Waiver – Some insurance companies permit an accident before your rates go up so long as you haven’t had any claims prior to the accident.
- Own a Home – Being a homeowner can help you save on car insurance because maintaining a house requires personal responsibility.
- Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 15% off your PIP or medical payments premium.
- Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
- New Car Discount – Insuring a new car is cheaper compared to insuring an older model.
- Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Thunderbird insurance than drivers with accident claims.
- Driver Safety – Completing a defensive driving course can save you 5% or more if you qualify.
It’s important to understand that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. Any amount of discount will bring down your overall premium however.
To see a list of providers offering car insurance discounts, click here to view.
Why your Ford Thunderbird might be costing you more
An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for insurance. When you know what positively or negatively influences your rates enables informed choices that will entitle you to better insurance rates.
Shown below are a partial list of the pieces insurance companies consider when setting prices.
- Little extras can really add up – There are a ton of extra coverages that you can get tricked into buying on your Thunderbird policy. Coverages like roadside assistance, accidental death and term life insurance may be costing you every month. They may seem good initially, but if they’re wasting money get rid of them and save.
- Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
- Liability insurance protects assets – The liability section of your policy is the coverage that protects you if ever you are found to be at fault for damages from an accident. Liability provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
- How many coverages with the same company – Some insurers provide better rates to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount you still need to compare rates to ensure the best deal.
- Poor driving leads to higher costs – A bad driving record has a lot to do with how much you pay for insurance. Even one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. If you have flagrant violations such as DUI or reckless driving may find they need to file a SR-22 with their state DMV in order to keep their license.
- Rates may be higher depending on your occupation – Occupations such as doctors, architects and accountants have higher rates than average in part from stressful work requirements and long work hours. On the flip side, occupations like pilots, athletes and the unemployed get better rates for Thunderbird insurance.
- High crash test scores lower rates – Vehicles with good safety scores can get you lower premiums. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Ford Thunderbird earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Tailor your coverage to you
When buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can aid in determining whether or not you would benefit from professional advice.
- Where can I find DUI or SR-22 insurance?
- Will my insurance pay for OEM parts?
- Is my business laptop covered if it gets stolen from my vehicle?
- Do all my vehicles need collision coverage?
- Is rental equipment covered for theft or damage?
- Am I covered when driving someone else’s vehicle?
- Does my personal policy cover me when driving out-of-state?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Auto insurance policy specifics
Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are the normal coverages offered by auto insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Thunderbird.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance pay for bills such as doctor visits, hospital visits, EMT expenses, pain medications and surgery. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Auto liability insurance
This will cover damage that occurs to people or other property by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for things like bail bonds, repair bills for other people’s vehicles, funeral expenses, structural damage and loss of income. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.
Auto collision coverage
This will pay to fix damage to your Thunderbird resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like colliding with a tree, crashing into a ditch, hitting a parking meter, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like damage from flooding, falling objects, hitting a deer, fire damage and vandalism. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Saving money makes a lot of cents
We’ve covered some good ideas how to save on 1991 Ford Thunderbird insurance. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from an unexpected company. Regional companies may only write in your state and offer lower rates than their larger competitors like State Farm, GEICO and Nationwide.
While you’re price shopping online, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.
To read more, link through to these articles:
- Understanding your Policy (NAIC.org)
- Credit Impacts Car Insurance Rates (State Farm)
- Older Driver Statistics (Insurance Information Insitute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
- Bodily Injury Coverage (Liberty Mutual)
- Top Signs Your Brakes are Giving Out (State Farm)
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