Save on 1991 Ford Probe Insurance Rates

Drivers have lots of choices when trying to find low-cost Ford Probe insurance. You can either waste hours driving around getting price quotes or save time using the internet to compare rates. There are more efficient ways to buy auto insurance and you need to know the absolute fastest way to get price quotes on a Ford and locate the cheapest rates from both online companies and local agents.

Ways to get auto insurance quotes

Getting low cost 1991 Ford Probe auto insurance pricing doesn’t have to be difficult. Consumers just need to take time comparing price quotes from different insurance companies. Price comparisons can be done using a couple different methods.

1. Hands down the most simple method to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for separate quote forms for each company you want a rate for. One form submission gets prices estimates from many national carriers. It’s the fastest way to compare.
2. A different way to compare rate quotes consists of visiting the website of each company and complete a new quote form. For instance, let’s say you want to get rates from Nationwide, Esurance and Travelers. To get rate quotes you would need to spend time on each company’s site to enter the same coverage data repeatedly, which is why the first method is quicker.

   For a list of companies in your area, click here.

Which method you use is up to you, but ensure you’re using equivalent deductibles and coverage limits with every price quote. If you use different coverage information it’s impossible to find the best deal for your Ford Probe.

Take advantage of every insurance coverage discount

Insurance coverage is not cheap nor is it fun to buy but there’s a good chance there are discounts that you may not even be aware of. Many discounts should be triggered when you quote, but occassionally some discounts must be specially asked for in order for you to get them.

• Paperless Signup – Certain insurance companies will provide an incentive simply for signing on the web.
• Claim Free – Drivers with accident-free driving histories can earn big discounts as opposed to frequent claim filers.
• Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off on Probe coverage with select insurance companies.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft so companies will give you a small discount.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
• Discounts for Cautious Drivers – Drivers without accidents can pay as much as 50% less on Probe coverage as compared to drivers with claims.
• Early Renewal Discounts – A few insurance companies give discounts for renewing your policy before your current coverage expires. You may see this discount when you get insurance coverage quotes online.
• Good Student – This discount could provide a savings of up to 20% or more. The discount lasts up to age 25.
• Driver Training Discounts – Taking part in a safe driver course could cut 5% off your bill and make you a better driver.

It’s important to understand that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So even though you would think you can get free auto insurance, you’re out of luck. Any qualifying discounts will reduce the amount you pay for coverage.

If you would like to see a list of insurance coverage companies who offer insurance coverage discounts, click here.

How to know if you need help

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

• Do I have coverage if my license is suspended?
• What is roadside assistance coverage?
• Should I buy only the required minimum liability coverage?
• How much liability coverage do I need in my state?
• When should I not file a claim?
• Does liability extend to a camper or trailer?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Insurance coverage specifics

Knowing the specifics of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as falling objects, hitting a deer and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for rehabilitation expenses, hospital visits and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage covers damage to your Probe caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, sustaining damage from a pot hole, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Probe.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability insurance

Liability coverage protects you from damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like court costs, medical services and bail bonds. How much coverage you buy is up to you, but buy as high a limit as you can afford.