Find the Best Rates When Insuring a Ford Thunderbird in Las Vegas

Feel like you have an underperforming, overpriced auto insurance policy? Believe me, you’re not the only one. There is such a variety of insurance companies to pick from, and even though it’s nice to have a selection, it can be more challenging to compare rates.

It is always a good idea to compare premium rates before your next renewal because auto insurance rates are adjusted regularly by insurance companies. Even if you got the best rate for Thunderbird coverage two years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re going to learn the fastest and easiest way to find better rates and still maintain coverage.

Take advantage of every auto insurance discount

Some companies don’t necessarily list all available discounts in a way that’s easy to find, so below is a list both well-publicized and also the lesser-known discounts that you can inquire about if you .

  • Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and will save you 10% or more.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying your policy online.
  • Distant College Student Discount – Older children living away from home attending college and don’t have a car could get you a discount.
  • Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.
  • Low Miles Discount – Low mileage vehicles could qualify for better prices on cars that stay parked.
  • Organization Discounts – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on your policy.
  • Include Life Insurance and Save – Select auto insurance companies reward you with a break if you buy life insurance from them.
  • Cautious Drivers – Insureds who avoid accidents may save up to 50% more for Thunderbird coverage compared to accident prone drivers.
  • Discount for Multiple Policies – When you combine your auto and home insurance with the same company you may save 10% to 20% off each policy.
  • Onboard Data Collection – Drivers that enable companies to spy on vehicle usage by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they have good driving habits.

Policy discounts save money, but most of the big mark downs will not be given the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way. But any discount will lower the amount you have to pay.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

  • 21st Century has savings for homeowners, anti-lock brakes, defensive driver, air bags, 55 and older, and early bird.
  • Progressive offers premium reductions for multi-vehicle, online signing, continuous coverage, good student, online quote discount, and homeowner.
  • State Farm may include discounts for Steer Clear safe driver discount, defensive driving training, student away at school, good student, and passive restraint.
  • Nationwide may have discounts that include multi-policy, Farm Bureau membership, business or organization, easy pay, and good student.
  • Esurance includes discounts for good student, emergency road assistance, homeowner, anti-theft, Switch & Save, Pac-12 alumni, and good driver.
  • The Hartford offers discounts for driver training, bundle, air bag, anti-theft, defensive driver, and vehicle fuel type.

If you need lower rates, check with each company what discounts are available to you. Some discounts listed above may not apply to policies in Las Vegas. To find insurance companies with the best auto insurance discounts in Nevada, follow this link.

Smart Consumers Can Lower Insurance Rates

Consumers need to have an understanding of the different types of things that help determine your premiums. If you understand what determines premiums, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.Las Vegas insurance banner

The itemized list below are just a few of the factors companies use to determine your rates.

  • Responsible credit scores equal low rates – Credit score factor in calculating your auto insurance rates. If your credit rating can use some improvement, you could be paying less to insure your Ford Thunderbird by improving your rating. Drivers with very high credit ratings tend to be more responsible than drivers who have bad credit.
  • Where do you drive? – The more you drive your Ford annually the more you’ll pay to insure it. Most insurance companies apply a rate determined by how the vehicle is used. Vehicles that do not get driven very much get more affordable rates compared to those used for work or business. Verify your policy reflects the correct usage, because it can save money. Having the wrong rating on your Thunderbird is just wasting money.
  • Being married can lower prices – Your spouse may save some money on your auto insurance policy. Having a significant other generally demonstrates drivers are more stable financially and statistics show being married results in fewer claims.
  • Do you need those incidental coverages? – There are quite a few additional coverages that you can get tricked into buying but may not be useful. Coverage for things like coverage for rental cars, towing, and membership fees are some examples. The coverages may be enticing when buying your policy, but if you’ve never needed them in the past get rid of them and save.

Does auto insurance advertising bend the truth?

Consumers constantly see and hear ads that claim the cheapest car insurance rates from companies such as Allstate, GEICO and Progressive. They all seem to make the same claim that people will save just by switching your auto insurance policy to them.

How does each company charge less that you’re paying now? Here is how they do it.

Insurance providers look for specific characteristics for the type of driver that will add to their bottom line. An example of a desirable insured could be a married female, has a low-risk occupation, and drives a vehicle with a low ISO rating. Anyone who fits that profile will qualify for the lowest premium rates in Las Vegas and will most likely save if they switch.

Drivers who fall outside this ideal profile may be forced to pay higher premiums and this results in the customer not purchasing. Company advertisements say “drivers that switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can confidently make it sound like they have such great car insurance rates.

Because every company is different, you really need to compare rate quotes every year. Because without a comparison, you cannot know the company that will fit you best based on your risk profile.

More information is located on the Nevada Division of Insurance website found here. Nevada consumers can file complaints about a company, read state legal mandates and laws, find disaster information, and learn about specific coverages.

Ford Thunderbird insurance rates

More related Las Vegas auto insurance information:

Do the work, save more money

A few companies don’t offer the ability to get quotes online and these regional carriers sell through independent insurance agencies. Lower-priced auto insurance can be bought online and from local insurance agents, and you need to price shop both to have the best rate selection.

We’ve covered many ways to compare Ford Thunderbird insurance car insurance rates online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding . Consumers may even find the best price on auto insurance is with some of the lesser-known companies. These smaller insurers may have significantly lower premium rates on certain market segments than their larger competitors like GEICO and State Farm.