Cheapest 2004 Ford Thunderbird Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2022

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Searching for better auto insurance rates for your Ford Thunderbird? Shopping for cheap auto insurance over the internet can seem to be somewhat difficult for people who are new to online price comaprisons. With a ridiculous number of insurers to choose from, how can drivers possibly compare the different rates to find the lowest rates?

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. This information will help educate you on the best way to quote coverages. Nevertheless, vehicle owners must know the way insurance companies sell online because it can help you find the best coverage.

Where Can I Get Cheap Auto Insurance?

There are multiple methods you can shop for 2004 Ford Thunderbird auto insurance but there is one way that is less labor-intensive and much quicker. You can spend your afternoon driving to agents in your area, or you can utilize online quotes to quickly compare rates.

All the larger companies take part in a program where insurance shoppers enter their policy data once, and each company returns a competitive quote based on the submitted data. This eliminates the need for quote requests for every auto insurance company.

To get comparison pricing now click here to start a free quote.

The single downside to comparing rates this way is you are unable to specify which providers you will receive quotes from. So if you want to select individual companies to compare, we have assembled a list of auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make darn sure you compare exactly the same coverages on every quote you get. If you are comparing unequal deductibles or liability limits it will be impossible to find the best deal for your Ford Thunderbird. Having just a slight variation in limits could mean much higher rates. Keep in mind that more quotes provides better odds of finding better pricing.

Don’t pay full price with these discounts

Companies do not advertise every available discount very well, so we break down some of the best known as well as the least known car insurance savings.

  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Thunderbird coverage with a few car insurance companies.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford can earn discounted rates on garaged vehicles.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates if you are claim-free prior to the accident.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Memberships – Belonging to a civic or occupational organization may earn a discount on car insurance for Thunderbird coverage.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.

It’s important to note that most discount credits are not given the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

For a list of companies with the best car insurance discounts, follow this link.

Your personal situation dictates your coverage

When choosing the best auto insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions may help you determine if your insurance needs may require specific advice.

  • Does my insurance cover my expensive audio equipment?
  • Should I rate my 2004 Ford Thunderbird as pleasure use or commute?
  • Should I put collision coverage on all my vehicles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Are rock chip repairs covered?
  • Exactly who is provided coverage by my policy?
  • Am I covered when driving on a suspended license?
  • How can I force my company to pay a claim?
  • Does my 2004 Ford Thunderbird need full coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Information about specific coverages

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for collisions

This coverage pays for damage to your Thunderbird resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, rolling your car, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Coverage for liability

This coverage will cover damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability coverage protects against things such as funeral expenses, emergency aid, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Thunderbird.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for ambulance fees, chiropractic care, surgery, X-ray expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix 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 can pay for things like damage from a tornado or hurricane, hitting a bird, falling objects and fire damage. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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