1997 Ford Probe Insurance Quotes

Want better insurance coverage rates? Drivers have many options when trying to find low-cost Ford Probe insurance. You can either spend your time struggling with agents getting price quotes or utilize the internet to make rate comparisons.

There is a right way and a wrong way to buy insurance coverage and you need to know the best way to get price quotes for a new or used Ford and obtain the lowest possible price.

You need to shop coverage around quite often because prices change frequently. If you had the lowest quotes on Probe coverage two years ago you can probably find a lower rate today. There is too much inaccurate information about insurance coverage on the web, but we’re going to give you some of the best ways to find cheap insurance coverage.

The purpose of this post is to tell you how car insurance quotes work. If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Vehicle owners just need to know how to get comparison rates online.

The best way to compare car insurance rates is to know the trick most of the larger companies pay for the opportunity to give rate comparisons. The one thing you need to do is take a few minutes to give details such as if you’re married, the make and model of your vehicles, how much education you have, and your occupation. Your details is sent automatically to many different companies and you will receive price estimates instantly to find the best rate.

Insurance coverage policy discounts you can’t miss

Insurance coverage is expensive, but you can get discounts that you may not know about. A few discounts will be applied when you quote, but some discounts are required to be asked about before you will receive the discount.

  • Active Military Service – Being on active duty in the military may lower your premium rates slightly.
  • Braking Control Discount – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions so you can save 10 percent or more.
  • Driver Training Discounts – Passing a course that instructs on driving safety could save 5% or more if you qualify.
  • Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote car insurance on Probe coverage with a few insurance coverage companies.
  • E-sign – A few larger companies provide a small discount for buying your policy on your computer.
  • Claim Free – Drivers with accident-free driving histories pay less as compared to policyholders that have many claims.
  • Switch and Save Discount – Select larger companies give a discount for buying a new policy prior to the expiration date on your current policy. This can save 10% or more.
  • Discount for Passive Restraints – Options like air bags or automatic seat belts can get savings of more than 20%.

You can save money using discounts, but most credits do not apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

A few companies that may offer quotes with most of these discounts include:

If you are trying to find affordable car insurance quotes, ask every company what discounts are available to you. Some credits might not be offered in your area. To see a list of insurance companies with discount rates, click this link.

Get cheaper insurance rates by understanding these factors

Many different elements are part of the calculation when premium rates are determined. A few of the factors are predictable such as your driving record, although some other factors are not quite as obvious such as your marital status or how financially stable you are.A large part of saving on insurance coverage is knowing some of the factors that help calculate insurance coverage rates. If you have a feel for what determines base rates, this allows you to make good choices that may reward you with cheaper rates.

The itemized list below are most of the major factors used by companies to determine your rates.

  • Liability protection risk factors in – Your policy’s liability coverage will afford coverage if you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Higher insurance coverage rates for specific employers – Do you have a high-stress occupation? Jobs like real estate brokers, executives and stock brokers are shown to have higher premiums than the average policyholder in part from intense work requirements and lengthy work days. Other occupations such as actors, engineers and the unemployed generally pay rates lower than average on Probe coverage.
  • An active policy claims history can cost you more – If you are a frequent claim filer, you can pretty much guarantee higher premiums or even policy non-renewal. Car insurance companies generally give most affordable rates to policyholders who are claim-free. Your car insurance is intended for claims that you cannot pay yourself.
  • Better premiums on safer vehicles – Vehicles with high crash test scores tend to have lower insurance rates. Safer cars reduce injuries and lower injury rates means less money paid by your insurance company and cheaper rates on your policy.
  • Are women or men drivers cheaper? – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women cause accidents in similar percentages, but males have costlier accidents. In addition to higher claims, males also get higher numbers of serious violations such as reckless driving.
  • Can a thief steal your car? – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • Pleasure use or commuting – Driving a lot of miles annually the more you’ll pay to insure it. Almost all companies apply a rate based upon how the vehicle is primarily used. Cars and trucks left parked in the garage cost less to insure as compared to vehicles used primarily for driving to work. A policy that improperly rates your Probe may be wasting your money. It’s a smart idea to ensure your vehicle rating shows the correct usage, because it can save money.

Insurance agents can help

When it comes to buying coverage, there really is not a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might point out whether you would benefit from professional advice.

  • Should I buy additional glass protection?
  • What are the financial responsibility laws in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need added coverage for expensive stereo equipment?
  • What if I don’t agree with a claim settlement offer?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Can switching companies really save?

Drivers can’t get away from ads for the lowest price auto insurance by State Farm and Allstate. They all seem to tend to make the same promise that drivers can save some big amount after switching your auto insurance coverage to their company.

How is it possible that every company can give you a better price? This is the way they can do it.

Insurance companies give the best rates for the type of customer that makes them money. For instance, a profitable risk profile may need to be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. Anyone who meets those qualifications will get very good prices and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who do not fit these standards will have to pay higher prices which leads to the customer buying from someone else. The wording the ads use say “customers that switch” but not “all drivers who get quotes” save that much money. This is how companies can advertise the savings.

Because of the profiling, you should compare price quotes frequently. It is impossible to guess which auto insurance company will have the best prices at this point in time.

Car insurance 101

Learning about specific coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for things like X-ray expenses, prosthetic devices, pain medications and doctor visits. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability

This coverage provides protection from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like repair costs for stationary objects, loss of income, attorney fees, medical expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as theft, a tree branch falling on your vehicle and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Probe.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision coverage

This coverage pays for damage to your Probe resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, sustaining damage from a pot hole, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Be a Smart Shopper

In this article, we presented many tips how you can compare 1997 Ford Probe insurance prices online. It’s most important to understand that the more providers you compare, the better likelihood of getting cheap car insurance. You may even discover the best price on car insurance is with some of the smallest insurance companies.

People leave their current company for a number of reasons such as not issuing a premium refund, high rates after DUI convictions, poor customer service or delays in responding to claim requests. Regardless of your reason, finding a new car insurance company is not as hard as you think.

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. There are too many instances where an insured dropped full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at the best possible price, not the least amount of coverage.

Even more information is available at these sites: