The preferred way to save money on Ford Thunderbird insurance is to compare prices once a year from insurance carriers who can sell car insurance in Detroit.
- Step 1: Try to understand policy coverages and the steps you can take to prevent expensive coverage. Many things that result in higher rates like your driving record and an unacceptable credit rating can be improved by making lifestyle changes or driving safer.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while independent agencies can provide rate quotes for many different companies.
- Step 3: Compare the new rates to your existing rates to see if a cheaper rate is available. If you can save some money, ensure there is no coverage lapse between policies.
- Step 4: Provide written notification to your current company of your intent to cancel the current policy and submit payment along with a signed and completed policy application to your new company or agent. Immediately put the certificate of insurance with the vehicle registration.
The most important part of this process is that you use the same amount of coverage on each quote and and to get rates from every insurance company. Doing this ensures an accurate price comparison and a complete price analysis.
Unfortunately, the vast majority of consumers have bought car insurance from the same company for four years or more, and just short of a majority have never shopped around. With the average premium in Michigan being $6,260, drivers could save 65% every year by just shopping around, but they don’t believe the amount of money they would save if they changed companies.
Affordable companies for Ford Thunderbird insurance in Michigan
The companies shown below are our best choices to provide price quotes in Detroit, MI. If you want cheaper car insurance in Detroit, it’s a good idea that you visit several of them to find the lowest car insurance rates.
The Ford Thunderbird Insurance Cost Equation
When buying auto insurance it’s important to understand some of the elements that go into determining auto insurance rates. When you understand what positively or negatively impacts your premiums, this enables informed choices that may result in lower rates. Many different elements are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but some are not quite as obvious such as your marital status or your vehicle rating.
No coverage gaps is important – Allowing your auto insurance policy to lapse is a guaranteed way to increase your auto insurance rates. Not only will you pay higher rates, the inability to provide proof of insurance may result in a steep fine or even jail time.
When should you file insurance claims? – Auto insurance companies in Michigan award cheaper rates to policyholders who only file infrequent claims. If you are the type of insured that files lots of claims you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
Marriage is a factor – Having a significant other may cut your premiums when buying auto insurance. Having a spouse translates into being more mature than a single person and it’s proven that drivers who are married file infrequent claims.
Driving citations hurt – Only having one moving violation can increase rates to the point where it’s not affordable. Careful drivers get better rates than bad drivers. Drivers who have received dangerous violations like DUI or willful reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.
More performance means higher prices – The performance of the vehicle you drive makes a huge difference in your auto insurance rates. Economy passenger cars usually are quite affordable to insure, but there are many factors that impact the final cost.
Discount Detroit auto insurance rates
Not too many consumers would say auto insurance is affordable, but companies offer discounts that can help lower your rates. Many discounts should be triggered when you get a quote, but a few must be manually applied before you will receive the discount. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.
- Military Discounts – Being on active deployment in the military can result in better prices.
- Professional Memberships – Joining a qualifying organization is a good way to get lower rates when getting a Detroit auto insurance quote.
- Telematics Devices – Detroit drivers who agree to allow their insurance company to analyze where and when they drive by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
- Driver Safety – Participating in a class that teaches defensive driving techniques can save you 5% or more depending on where you live.
- Driver’s Ed – Require your teen driver to successfully take a driver’s education course as it will make them better drivers and lower rates.
- Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts may be able to save a few bucks off the medical payments premium.
Keep in mind that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, you won’t be that lucky. But any discount should help lower your policy premium.
To view providers with discount auto insurance rates in Detroit, follow this link.
Car insurance agents near you
Some people would prefer to have an agent’s advice and that is just fine! Most agents can help you build your policy and give you someone to call. One of the great benefits of comparing insurance online is the fact that drivers can get cheap rate quotes and still buy from a local agent.
After filling out this short form, your coverage information is immediately sent to local insurance agents in Detroit who will gladly provide quotes for your coverage. You won’t even need to drive around as quotes are delivered to you instantly. If you have a need to get a comparison quote from one company in particular, just search and find their rate quote page to submit a rate quote request.
Selecting an company should include more criteria than just the price. These are some questions your agent should answer.
- Is there any savings for paying the full premium?
- Do they assist clients in filing claims?
- Where are claims handled?
- Is coverage determined by price?
- Where would glass claims be handled in Detroit?
- If you are a high risk driver, do they have special markets for your coverage?
- Is auto insurance their primary focus in Detroit?
If you’re trying to find a reliable insurance agency, you should know the different types of agents and how they operate. Agents are either exclusive or independent. Both types of agents can sell affordable insurance policies, but it’s a good idea to understand the difference in the companies they write for since it can impact buying decisions.
Exclusive agencies can only provide one company’s prices and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide prices from multiple companies so you might not find the best rates. These agents are very knowledgeable on what they offer which helps them sell insurance even at higher premiums.
Shown below is a short list of exclusive agents in Detroit who can help you get price quotes.
Independent Agencies or Brokers
Independent agencies can sell policies from many different companies so they can write business through lots of different companies and get the cheapest rates. If prices rise, your agent can just switch to a different company and you stay with the same agent.
When comparing rates, you need to get quotes from several independent agencies to have the most options to choose from.
Below are independent insurance agents in Detroit that can give you price quotes.
Thomas L Whatley Agency Inc
14710 Puritan Ave – Detroit, MI 48227 – (313) 272-5955 – View Map
Compare auto insurance rates regularly to save
When shopping online for auto insurance, never buy poor coverage just to save money. There have been many situations where an accident victim reduced collision coverage and learned later that the savings was not a smart move. The proper strategy is to find the BEST coverage at the best possible price, but don’t skip important coverages to save money.
We covered a lot of techniques to lower your Ford Thunderbird insurance prices in Detroit. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest prices are with the least-expected company. They can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.
More tips and info about auto insurance is located at these sites:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Lyft Drivers in Detroit? (FAQ)
- How Much are Car Insurance Rates for Unemployed Drivers in Detroit? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Teenage Females in Detroit? (FAQ)
- Who Has the Cheapest Detroit Car Insurance Rates for Teenagers? (FAQ)
- Who has the Cheapest Auto Insurance Quotes in Detroit, MI? (DetroitInsure.com)
- Safety Features for Your New Car (State Farm)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Teen Driver Statistics (Insurance Information Institute)