1996 Ford Probe Car Insurance Quotes – 10 Savings Tips

Searching for lower insurance rates for your Ford Probe? When looking for cheaper insurance, are you frustrated by the dozens of insurance sources? Many other drivers are too. Consumers have so many sources to choose from that it can turn into a real hassle to locate the lowest prices.

Shop auto insurance online

Most of the larger companies like State Farm, Allstate and GEICO allow consumers to get coverage prices on their websites. Getting prices online doesn’t take a lot of time as you simply enter into the form. After you submit the form their quoting system automatically retrieves credit information and your driving record and returns pricing information.

This streamlines rate comparisons, but the time required to go to many different websites and type in your information is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible if you want to find better auto insurance pricing.

There is an easier way!

The easiest way to find better auto insurance pricing makes use of a single form that gets price quotes from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes online price comparison much more enjoyable and efficient. After sending your information, it gets priced and you are able to buy any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and can result in significant savings.

In order to use this form to compare rates, click here to open in new window and complete the simple form. To compare your current rates, we recommend that you enter the limits and deductibles as close as possible to your current policy. This makes sure you are getting a rate comparison based on the exact same insurance coverage.

Auto insurance is unique, just like you

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

  • When can my company non-renew my policy?
  • I have health insurance so do I need medical payments coverage?
  • Do I need replacement cost coverage on my 1996 Ford Probe?
  • What is the minimum liability in my state?
  • How do I file an SR-22 for a DUI in my state?
  • How can I get high-risk coverage after a DUI?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my 1996 Ford Probe covered for flood damage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need replacement cost coverage?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverage breakdown

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for surgery, hospital visits and funeral costs. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

This will cover damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as loss of income, legal defense fees and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Ford Probe.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers 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 theft, hitting a bird, hail damage, damage from a tornado or hurricane and falling objects. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

Collision insurance covers damage to your Probe resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.