Cheaper 1996 Ford Probe Car Insurance Rates

Shoppers have lots of choices when shopping for the best price on Ford Probe insurance. You can either waste hours driving around to compare prices or save time using the internet to compare rates. There are more efficient ways to buy insurance and we’ll show you the absolute fastest way to get price quotes on a Ford and locate the cheapest rates from both online companies and local agents.

If you are insured now or are looking for a new policy, you can use these tips to find better prices while maximizing coverage. This information will introduce you to how to get online quotes and some money-saving tips. Drivers only need to know the proper way to find the lowest price online.

Verify you’re getting all your discounts

Companies do not advertise all their discounts very well, so here is a list some of the more common and also the lesser-known savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.

  • One Accident Forgiven – Some insurance companies allow you one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Probe insurance with certain companies.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, companies don’t profit that way.

To see a list of insurance companies with the best car insurance discounts, click here.

How to Compare Car Insurance Rates

There are multiple methods to shop for 1996 Ford Probe car insurance, but some are less time-consuming than others. You can waste a lot of time talking to insurance agencies in your area, or you can utilize the internet to get pricing more quickly.

Many companies belong to a marketplace that allows shoppers to complete one form, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating form submissions for each company you want a rate for. To find out how much you’re overpaying now click to open in new window.

The only downside to using this type of form is you cannot specify which providers to receive prices from. If you wish to select individual companies to compare prices, we have a page of low cost car insurance companies in your area. Click here to view list.

Whichever method you choose, compare apples-to-apples quote information on every quote you get. If you enter different limits and deductibles on each one you can’t possibly determine which rate is truly the best.

Ford Probe insurance rates consist of many parts

Smart consumers have a good feel for the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that can help you get lower car insurance prices.

Listed below are a partial list of the pieces car insurance companies consider when setting your rates.

  • Small claims can cost you – Auto insurance companies give lower rates to people who are claim-free. If you frequently file small claims, you can expect higher rates. Auto insurance is designed for larger claims.
  • Your age impacts your rates – More mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets. Teenage drivers are known to be more careless when driving and because of this, their car insurance rates are much higher.
  • Do you need those extra coverages? – There are a ton of additional coverages you can purchase on your car insurance policy. Coverages like roadside assistance, better glass coverage and motor club memberships are examples of these. These coverages may sound good at first, but if you don’t need them get rid of them and save.
  • Protect your assets with liability insurance – Liability insurance is the protection when a jury decides you are liable for personal injury or accident damage. Liability provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Do men or women drive better? – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women have accidents in similar numbers, but the male of the species cause more damage. Men also tend to get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high car insurance rates.

When should I talk to an agent?

When it comes to buying the best car insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions may help you determine if your situation could use an agent’s help.

  • Are my tools covered if they get stolen from my vehicle?
  • When would I need additional glass coverage?
  • Do I benefit by insuring my home with the same company?
  • Are my friends covered when driving my 1996 Ford Probe?
  • What is the difference between comprehensive and collision coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How much liability coverage do I need in my state?
  • How can I get high-risk coverage after a DUI?
  • What happens if I owe more than my 1996 Ford Probe is worth?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Car insurance 101

Having a good grasp of a car insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical costs insurance – Med pay and PIP coverage pay for immediate expenses such as rehabilitation expenses, dental work, funeral costs, prosthetic devices and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1996 Ford Probe.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, damage from flooding and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability – This provides protection from damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like pain and suffering, structural damage, court costs and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Collision coverages – Collision insurance will pay to fix damage to your Probe from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Stretch your dollar

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where someone dropped full coverage and learned later that they should have had better coverage. Your focus should be to buy the best coverage you can find for the lowest price while still protecting your assets.

In this article, we covered many ideas to save on 1996 Ford Probe insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even discover the lowest premiums are with the smaller companies.

The cheapest insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and these smaller companies work with independent agents.

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