View 1995 Ford Probe Car Insurance Quotes

Want the cheapest auto insurance rates for your Ford Probe? Are you drained from scraping the payment together to make your auto insurance payment? You are in the same boat as many other consumers. Insurance companies such as Allstate, Progressive and Geico persitently shower you with fancy advertisements and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

If you have insurance now or need a new policy, you can use this information to cut your premiums while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Consumers just need to understand the tricks to get comparison quotes on the web.

Discounts can really help save money

Some providers don’t necessarily list the complete list of policy discounts very clearly, so the following is a list of some of the more common and also the more inconspicuous discounts that you may qualify for. If you don’t get every credit possible, you could be saving more on your insurance coverage.

• Save over 55 – Seniors are able to get a discount up to 10% on Probe coverage.
• Club Memberships – Belonging to qualifying employment or professional organizations may earn a discount when shopping for insurance coverage.
• Discount for Swiching Early – Some larger companies provide a discount for switching to them before your current coverage expires. It can save you around 10%.
• Multiple Policy Discount – If you have multiple policies and insure them with the same company you will save approximately 10% to 15%.
• Own a Home and Save – Being a homeowner can save a few bucks because owning a home is proof that your finances are in order.
• ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• No Accidents – Insureds who avoid accidents and claims get the best insurance coverage rates compared to bad drivers.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

If you would like to view companies with the best discounts, click this link.

Compare insurance coverage rates

Finding cheap 1995 Ford Probe insurance coverage rates is actually easier than you may think. All you need to do is take the time comparing rate quotes online with multiple companies. This can be done using a couple different methods.

• The best way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This style of form saves time by eliminating separate quotes for every prospective company. One simple form gets insurance cost estimates from all major companies.
• A less efficient way to compare rate quotes consists of going to the website of each company to complete a price quote. For examples sake, let’s assume you want to get rates from Allstate, State Farm and Travelers. You would need to navigate to each company’s site and punch in your information repeatedly, which can be really labor intensive.

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

• The most difficult way to get price estimates is calling or driving to insurance agents’ offices. Shopping for insurance coverage online eliminates the middleman unless you prefer the professional abilities that can only be provided by a licensed insurance agent. However, consumers can compare online quotes and get advice from an agent in your area.

Whichever method you choose, be sure to compare nearly identical coverage limits and deductibles on every quote. If you compare different limits and deductibles on each one it will be impossible to determine which rate is truly the best.

Will just any policy work for me?

When choosing coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions might help in determining if you might need an agent’s assistance.

• What are the best liability limits?
• Does my policy cover my teen driver if they drive my company car?
• Is my Ford Probe covered if I use it for business?
• What are the financial responsibility laws in my state?
• I have a DUI can I still get coverage?
• How do I buy GAP insurance?
• Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Coverage specifics

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for dental work, prosthetic devices and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Ford Probe.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, rock chips in glass and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

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

Collision coverage pays for claims like crashing into a building, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like structural damage, bail bonds, loss of income, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Best coverage at the best price

As you quote insurance coverage, make sure you don’t reduce coverage to reduce premium. There have been many cases where someone dropped physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

In this article, we covered quite a bit of information on how to reduce 1995 Ford Probe insurance car insurance rates online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding low cost insurance coverage. You may even find the best car insurance rates are with a smaller regional carrier. These smaller insurers may only write in your state and offer lower premium rates than their larger competitors like Geico and State Farm.

More tips and info about insurance is located in the articles below:

• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)