1995 Ford Probe Car Insurance Quotes

Consumers have lots of choices when looking for affordable Ford Probe insurance. They can either waste time driving around trying to get quotes or save time using the internet to get rate quotes.

There is a better way to shop for insurance coverage so you’re going to learn the absolute fastest way to get price quotes for a Ford and locate the best price possible from local insurance agents and online providers.

This article will let you in on the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you will be able to cut costs considerably using these tips. Drivers just need to understand the proper methods to compare rates online.

How to reduce Ford Probe insurance rates

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. A few discounts will automatically apply at quote time, but lesser-known reductions have to be requested specifically before you get the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Drive Less and Save – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • New Vehicle Savings – Insuring a new car can save up to 30% since new cars are generally safer.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, car insurance companies aren’t that generous. Any qualifying discounts will help reduce your overall premium however.

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

Auto Insurance Quote Comparison

Getting better 1995 Ford Probe auto insurance pricing is not rocket science. All you need to do is take time comparing rates online from several insurance companies. This is very easy and can be done using a couple different methods.

  1. One of the simplest ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method keeps you from doing repetitive form submissions for each company. A single, simple form will get you rate comparisons from multiple low-cost companies. It’s definitely the quickest method.
  2. A more difficult way to analyze rates is spending the time to visit the website of each company and fill out their own quote form. For examples sake, let’s assume you want to compare Auto-Owners, Geico and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  3. The least recommended way to get comparison rates is to spend time driving to insurance agents’ offices. Buying insurance online makes this process obsolete unless you prefer the personal advice of a licensed agent. Drivers can compare online quotes but still have the advice of a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage limits for every company. If you have differing limits it’s impossible to determine the lowest rate for your Ford Probe.

Ford Probe premiums are determined by many factors

Smart consumers have a good feel for the factors that play a part in calculating car insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get big savings.

Shown below are a few of the “ingredients” used by your company to calculate your rates.

  • More miles equals more premium – The more miles you rack up on your Ford every year the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. Verify your car insurance policy shows how each vehicle is driven. Incorrect usage on your Probe may be costing you.
  • Extra add-on coverages are wasting money – There are a lot of additional coverages that you can buy on your car insurance policy. Coverages like personal injury protection, towing coverage and membership fees are examples of these. They may seem like a good idea initially, but your needs may have changed so get rid of them and save.
  • Your credit rating is important – A driver’s credit rating is a large factor in your rate calculation. People with excellent credit tend to be more responsible than drivers who have lower credit scores. Therefore, if your credit can use some improvement, you could pay less to insure your 1995 Ford Probe by improving your rating.
  • Mature drivers pay less – Teen drivers are known to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, tend to file fewer claims and get fewer tickets.
  • Save money with special equipment – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Traffic violations increase rates – A bad driving record has a big impact on rates. Good drivers get better rates than their less careful counterparts. Just one moving violation can increase rates by twenty percent. If you have dangerous violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Discounts for married couples – Getting married can get you a discount on car insurance. Having a significant other usually means you are more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Your job and insurance rates – Careers like doctors, social workers and accountants are shown to have higher rates than average because of stressful work requirements and long work days. On the flip side, occupations like scientists, athletes and retirees pay the least for Probe coverage.

Tailor your coverage to you

When it comes to choosing proper 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 could help you determine if you could use an agent’s help.

  • Are split liability limits better than a combined single limit?
  • Can my babysitter drive my car?
  • Should I buy additional glass protection?
  • Does insurance cover tools stolen from my truck?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is roadside assistance coverage?
  • Am I covered if I crash into my own garage door?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverage considerations

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability

Liability coverage will cover damage or injury you incur to other people or property in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, legal defense fees, funeral expenses, emergency aid and medical services. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision insurance covers damage to your Probe caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, driving through your garage door, sideswiping another vehicle, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive auto insurance

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, hitting a bird, vandalism and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses like rehabilitation expenses, EMT expenses and pain medications. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

A fool and his money are soon parted

Budget-conscious 1995 Ford Probe insurance can be purchased from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. In many cases, someone dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage for the lowest price.

Drivers leave their current company for any number of reasons including poor customer service, high rates after DUI convictions, lack of trust in their agent or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.

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