1997 Ford Probe Insurance Quotes

Want cheaper car insurance rates for your Ford Probe? If online car insurance comparisons are new to you, it’s easy to be confused by the hoards of online car insurance companies and websites offering insurance.

Choosing the best insurance company for you is not that difficult. In a nutshell, every vehicle owner who shops for insurance coverage stands a good chance to be able to cut their insurance bill. Nevertheless, drivers do need to learn the way insurance companies determine prices because it can help you find the best coverage.

Finding Car Insurance Deals

Shopping for lower car insurance rates can take hours if you don’t utilize the fastest way to get free quotes. You could waste a few hours discussing policy coverages with agents in your area, or you can utilize the web to quickly compare rates.

Many of the larger companies belong to an insurance system that allows shoppers to submit their information once, and each participating company returns a competitive quote determined by their information. This saves time by eliminating quote forms for every car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to doing it this way is buyers cannot specifically choose the providers to receive prices from. So if you want to choose specific providers to compare prices, we put together a list of car insurance companies in your area. View list of insurance companies.

However you get your quotes, make sure you use identical coverages and limits with each company. If each company quotes differing limits it’s not possible to find the best deal for your Ford Probe. Quoting even small variations in limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best price.

Do you qualify for discounts?

Companies offering auto insurance do not advertise every discount in an easy-to-find place, so we break down both the well known and also the lesser-known savings tricks you should be using.

  • No Charge for an Accident – Certain companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.
  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Probe insurance than drivers with accident claims.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted rates on garaged vehicles.

It’s important to note that many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

To see a list of insurance companies with discount car insurance rates, follow this link.

Don’t assume everyone needs the same coverage

When buying the right insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that might point out whether you could use an agent’s help.

  • Who is covered by my policy?
  • What discounts do I qualify for?
  • Do I need PIP coverage since I have good health insurance?
  • Should I rate my 1997 Ford Probe as pleasure use or commute?
  • Will filing a claim cost me more?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.

Ford Probe rates are complex

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Adjust deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, protects your Ford from damage. Some examples of claims that would be covered are colliding with a building, damage from fire, and rolling your vehicle. Your deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more expense the insured has to pay upfront, the lower your rates will be on Probe insurance.
  • Discounts for multiple policies – Some car insurance companies give discounts to policyholders who buy several policies from them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to shop around to ensure the best deal.
  • Add-on coverages can add up – There are a ton of additional coverages that you can get tricked into buying when buying car insurance. Coverages like roadside assistance, accidental death and term life insurance are examples of these. These may sound like a good investment initially, but if they’re wasting money get rid of them and save.
  • Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Ford scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Males pay more for insurance – Statistics have proven that women are safer drivers than men. However, don’t assume that men are worse drivers. They both are in accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.

Auto insurance coverage options for a Ford Probe

Having a good grasp of a auto insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for liability

This coverage will cover damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as repair bills for other people’s vehicles, court costs, emergency aid, attorney fees and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills such as funeral costs, EMT expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverage

Collision insurance covers damage to your Probe resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, damaging your car on a curb, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, a broken windshield, hail damage, a tree branch falling on your vehicle and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Have the Midas touch

Drivers leave their current company for many reasons like questionable increases in premium, delays in responding to claim requests, being labeled a high risk driver or even not issuing a premium refund. Regardless of your reason, finding a great new company can be less work than you think.

When you buy insurance online, do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice liability coverage limits only to discover later they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We just showed you a lot of tips how to save on 1997 Ford Probe insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest rates come from the smaller companies.

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