1992 Ford Thunderbird Insurance Quotes – 5 Policy Discounts

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Feel like you’re a prisoner to an overpriced car insurance policy? Believe me when I say you’re not alone. Many insurers compete to insure your vehicles, so it can be very hard to choose a provider to find the absolute lowest cost out there.

If you have a policy now or need new coverage, you can learn to reduce the price you pay and still get good coverage. Choosing the best insurance company for you is not rocket science. Drivers only need an understanding of the proper way to shop on the web.

Comprehensive Car Insurance Comparison

Lowering your 1992 Ford Thunderbird car insurance rates is not rocket science. Just take a few minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The recommended way consumers can analyze rates is a comparison rater form click here to open form in new window. This type of form prevents you from having to do multiple quote forms for each company. One form submission will return quotes from multiple low-cost companies.
  2. A less efficient way to analyze rates is to take the time to go to the website for every company you want to comare to request a price quote. For example, let’s say you want to compare Allstate, Safeco and Progressive. You would have to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
  3. The hardest method to get comparison rates is driving around to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the professional advice that only a license agent can provide. Drivers can price shop your coverage online and get advice from an agent in your area and we’ll touch on that later.

Whichever way you use, be sure to compare identical coverage information for every quote you compare. If you are comparing different liability limits it’s not possible to make a fair comparison for your Ford Thunderbird.

Policy discounts you shouldn’t miss

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not even be aware of. Some trigger automatically when you purchase, but some may not be applied and must be asked about prior to receiving the credit. If you don’t get every credit you qualify for, you are throwing money away.

  • Military Rewards – Having a deployed family member can result in better rates.
  • Paperwork-free – A few companies will give a small break just for signing your application over the internet.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Multiple Cars – Having all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Multiple Policy Discount – If you have multiple policies with one company you could get a discount of at least 10% off all policies.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. But any discount will cut your overall premium however.

Companies that possibly offer these benefits include:

Before buying, ask each insurance company which discounts they offer. All car insurance discounts may not be available in every state.

Insurance agents can help

When choosing the best car insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might help in determining if your insurance needs could use an agent’s help.

  • What happens if I owe more than my 1992 Ford Thunderbird is worth?
  • Is my babysitter covered when using my vehicle?
  • Can I rent a car in Mexico?
  • How high should deductibles be on a 1992 Ford Thunderbird?
  • When can my company non-renew my policy?
  • What can I do if my company won’t pay a claim?
  • Do I need special endorsements for business use of my vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Should I have a commercial auto policy?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Learn about insurance coverages for a 1992 Ford Thunderbird

Knowing the specifics of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Liability insurance – Liability insurance can cover damage that occurs to people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like structural damage, bail bonds and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as much as you can afford.

Collision – Collision insurance covers damage to your Thunderbird caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses like EMT expenses, dental work, prosthetic devices, rehabilitation expenses and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1992 Ford Thunderbird.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – Comprehensive insurance coverage 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 insurance covers things like damage from flooding, a broken windshield, hail damage and theft. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

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