Find More Affordable Insurance for your Ford Thunderbird
If shopping for auto insurance was more enjoyable, it would get done more often. But we always seem to pay too much for coverage and most people would rather go to the dentist. Finding insurance for your Ford Thunderbird that you can actually afford is probably no different.
Step One: Compare Rates
In years past, the only way to purchase car insurance was to visit the office of a local agent. Times have changed!
Getting online rate quotes for a Ford Thunderbird from all the major insurance companies is very easy and only requires you to enter your information once.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Quote Tip! When doing car insurance quotes for your Thunderbird, make sure you use the exact same values for coverages and deductibles. If you use different limits, you will not be able to fairly compare rates between different companies.
Step Two: Techniques to Lower your Thunderbird Insurance Rates
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Thunderbird insurance rates.
- Membership has it's privleges. If you're a member of a professional organization, check to see if your company offers discounts to its members. It can add up to 5% or more.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- If you've recently completed a driver's training or safety course, tell your insurance company. You may qualify for a 5-10% discount.
- The advancement of car safety features such as traction control, stability control, front and side-impact air bags and all-wheel drive all help keep insurance costs down.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- If you're a young driver, you will pay more to insure a Thunderbird. There isn't anything you can do about your age, but rates will drop as you mature.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
Step Three: Bind Coverage and Cancel your Old Policy
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
If this is a new policy with only the Ford on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Thunderbird. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
To find out more information such as auto insurance myths, rental car insurance and how to file a claim, visit the Insurance Information Institute website.
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