Cheaper 1993 Ford Probe Insurance Cost

Locating better insurance prices for a Ford Probe can turn out to be a painful process, but you can learn a few tricks to save time. There are more efficient ways to compare insurance rates so you’re going to learn the absolute fastest way to get price quotes for a new or used Ford and obtain the lowest price from both online companies and local agents.

You should make it a habit to do rate comparisons at least once a year since insurance prices change quite often. If you had the lowest rates for Probe insurance six months ago you may be paying too much now. You can search a lot of insurance on the internet, but I’m going to show you some good information on how to buy insurance cheaper.

Discounts for cheap car insurance rates

Car insurance companies don’t always list all their discounts in a way that’s easy to find, so the following list contains both well-publicized as well as the least known credits available to you.

• Defensive Driver – Completing a course teaching safe driver skills could save 5% or more if you qualify.
• Early Signing – Select companies give a discount for switching to them prior to your current policy expiring. You could save around 10% when you buy insurance online.
• Claim Free – Insureds with no claims or accidents get the best car insurance rates as opposed to drivers who are more careless.
• Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Multiple Cars – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
• Drivers Ed for Students – It’s a good idea to have your young drivers enroll in driver’s education in high school.
• Distant College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
• Data Collection Discounts – Policyholders that allow their company to study driving habits remotely like Allstate’s Drivewise may get a rate reduction if they are good drivers.

Don’t be surprised that most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride.

A list of car insurance companies and the discounts they provide include:

• Farm Bureau discounts include multi-vehicle, driver training, renewal discount, youthful driver, and 55 and retired.
• State Farm may include discounts for multiple autos, Steer Clear safe driver discount, Drive Safe & Save, multiple policy, driver’s education, and defensive driving training.
• Progressive may offer discounts for multi-policy, online signing, continuous coverage, online quote discount, and good student.
• Allstate may have discounts that include good student, utility vehicle, safe driver, 55 and retired, early signing, senior citizen, and eSmart discount.
• Nationwide policyholders can earn discounts including defensive driving, family plan, multi-policy, anti-theft, accident-free, and easy pay.
• MetLife has savings for good driver, good student, multi-policy, accident-free, and claim-free.

Double check with all companies you are considering which discounts you qualify for. All car insurance discounts may not apply to policies everywhere. To see a list of insurance companies that provide some of the discounts listed above, click here to view.

Finding car insurance

Effectively comparing car insurance prices is a ton of work if you don’t utilize the most efficient way. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could use online quoting to get prices fast.

Many insurance companies participate in a marketplace where prospective buyers submit their information once, and each company can provide price quotes for coverage. This prevents consumers from doing quote requests to each individual car insurance company.

To use this form to compare rates click here (opens in new window).

The one downside to using this type of form is you are unable to specify which companies you will receive quotes from. So if you want to select individual companies to request quotes from, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

However you get your quotes, be certain you are entering identical coverage limits and deductibles for each price quote. If you enter different limits and deductibles on each one you can’t possibly make a fair comparison for your Ford Probe.

You may need specialized insurance coverage

When buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if you might need professional guidance.

• Who is covered when they drive my 1993 Ford Probe?
• Is my Ford Probe covered if I use it for business?
• How high should deductibles be on a 1993 Ford Probe?
• Which companies will insure high-risk drivers?
• Should I bundle my homeowners policy with my auto?
• Do I have newly-aquired coverage?
• Do I need rental car coverage?
• Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can provide invaluable advice.

Information about specific coverages

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for doctor visits, rehabilitation expenses, EMT expenses, nursing services and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability car insurance

This provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as structural damage, repair costs for stationary objects, court costs and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

Comprehensive insurance pays for 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 protects against things like falling objects, damage from flooding, theft, hitting a bird and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your 1993 Ford Probe.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a 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 can pay for things like colliding with another moving vehicle, hitting a parking meter, colliding with a tree, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Have money to burn

As you quote insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where someone dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.

Lower-priced insurance coverage can be bought both online and also from your neighborhood agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide online price quotes and most of the time these regional carriers sell through local independent agencies.

Drivers switch companies for many reasons like high rates after DUI convictions, lack of trust in their agent, extreme rates for teen drivers or even policy cancellation. No matter why you want to switch, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

More detailed insurance coverage information is available in these articles:

• How do I File a Claim? (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Prom Night Tips for Teen Drivers (State Farm)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)