Compare 2005 Ford Thunderbird Car Insurance Rates

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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: Aug 24, 2022

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Searching for lower car insurance rates for your Ford Thunderbird? Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say there are lots of people in the same boat.

Many auto insurance companies vie to insure your vehicles, so it can be very hard to choose a company to find the absolute lowest price

You need to compare rates periodically because prices are rarely the same from one policy term to another. Just because you found the best deal on Thunderbird coverage on your last policy other companies may now be cheaper. There is a lot of bad advice regarding car insurance on the web, but by reading this article, you’re going to learn some great ideas on how to slash your car insurance rates.

If you have car insurance now, you should be able to lower your premiums substantially using these methods. Finding affordable coverage is not rocket science. But drivers do need to understand how companies sell online.

Why you might be paying too much to insure your Ford Thunderbird

It’s important that you understand the rating factors that help determine the price you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

  • Higher deductibles cost less – Your deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims would be colliding with a building, damage from fire, or theft. The more money you’re willing to pay, the lower your rates will be on Thunderbird coverage.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Careers like real estate brokers, executives and stock brokers have the highest rates because of high stress levels and long work hours. On the other hand, professions such as pilots, students and performers get better rates on Thunderbird coverage.
  • An active claims history can cost you – Insurance companies give cheaper rates to policyholders who are claim-free. If you are a frequent claim filer, you can expect higher rates. Insurance coverage is designed for the large, substantial claims.
  • Pleasure use saves money – Driving more miles in a year’s time the higher your rate. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates compared to those used for work or business. Verify your car insurance coverage is rated on the proper vehicle usage. If your policy improperly rates your Thunderbird may be costing you.
  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.
  • Save money with special equipment – Owning a car with a theft deterrent system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.

Free Quotes for Auto Insurance

All the larger auto insurance companies provide pricing online. The process is fairly simple as you simply type in your personal and coverage information as detailed in the form. Once you submit the form, the company’s rating system obtains your credit score and driving record and returns a price determined by many factors. This simplifies rate comparisons, but having to visit a lot of sites and complete many quote forms can get tiresome after awhile. But it’s very important to perform this step in order to find the lowest possible prices on auto insurance.

There is an easier way!

A less time-consuming method to compare rates is to use a quote form to obtain quotes from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much easier. As soon as you send your information, it is quoted with multiple companies and you can pick any one of the price quotes you receive.

If you find a better price you simply finish the application and purchase the new policy. This process just takes a couple of minutes and may result in a nice savings.

To compare rates using this form now, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended you type in the limits and deductibles exactly as they are listed on your policy. This way, you will be getting a fair comparison based on similar coverages.

Can you really save that much by switching?

Car insurance providers like Progressive, Allstate and GEICO consistently run ads in print and on television. They all say the same thing about savings if you change to their company. How does each company make almost identical claims?

All the different companies have a certain “appetite” for the right customer that is profitable for them. An example of a desirable insured could be over the age of 50, a clean driving record, and has a high credit rating. A customer who meets those qualifications will get the preferred rates and most likely will cut their rates substantially.

Drivers who don’t measure up to these standards will have to pay higher prices which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully claim big savings.

Because of the profiling, you absolutely need to get quotes from several different companies. It’s impossible to know which car insurance company will give you the biggest savings on Ford Thunderbird insurance.

More discounts equal less premium

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Most are applied at the time you complete a quote, but some may not be applied and must be specifically requested before you get the savings.

  • Safety Course Discount – Completing a course in driver safety can save you 5% or more if you qualify.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Low Mileage – Fewer annual miles on your Ford could be rewarded with discounted rates on garaged vehicles.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will cut your premiums.

Companies that may have these discounts include:

Check with each insurance company which discounts you may be entitled to. Savings may not apply in every state.

It’s not one size fits all

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • Do I need roadside assistance coverage?
  • What is high-risk coverage and where do I buy it?
  • Do I need more liability coverage?
  • How much liability coverage do I need in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my ex-spouse still covered by my policy?
  • Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverages 101

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages available from car insurance companies.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, fire damage, hitting a bird and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage pays for damage to your Thunderbird from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Liability coverage

This coverage will cover damage that occurs to people or other property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, pain and suffering, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Thunderbird.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages do not exceed the liability coverage limits.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as ambulance fees, hospital visits, X-ray expenses, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Shop Smart and Save

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where someone dropped liability coverage limits only to find out they didn’t have enough coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

Affordable 2005 Ford Thunderbird insurance is available from both online companies and also from your neighborhood agents, so compare prices from both to have the best selection. Some insurance companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

In this article, we covered a lot of information how to reduce insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even find the lowest priced auto insurance comes from a small local company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

Much more information about auto insurance is located at the links below

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