1991 Ford Probe Insurance Quotes – 7 Ideas for Cheaper Rates

I can’t think of a single person who looks forward to buying insurance coverage, in particular when the cost is way too high.

Drivers have so many insurers to purchase coverage from, and even though it’s nice to be able to choose, it can be more difficult to compare rates and cut insurance costs.

You should make it a habit to price shop coverage on a regular basis since rates trend upward over time. Despite the fact that you may have had the best price on Probe insurance six months ago there may be better deals available now. So just forget all the misinformation about insurance coverage because we’re going to show you the only way to properly buy coverages and cut your premium.

Finding the lowest cost protection is simple if you know the tricks. Basically, every vehicle owner who shops for insurance coverage will most likely be able to lower their premiums. But consumers benefit from understanding the way companies market insurance on the web and take advantage of how the system works.

Where Can I Get Cheap Car Insurance?

Most major insurance companies provide prices on the web. Getting online rates is fairly straightforward as you just enter the amount of coverage you want into the quote form. Behind the scenes, their system obtains reports for credit and driving violations and returns a price based on these and other factors. This simplifies rate comparisons, but the process of having to visit multiple sites and fill out multiple forms is repetitive and time-consuming. But it is imperative to compare as many rates as possible if you want to find the lowest price.

There is a better way!

A quicker way to locate the lowest prices makes use of a single form to obtain quotes from many companies. It saves time, requires much less work on your part, and makes price shopping online much easier to do. As soon as the form is sent, it gets priced with multiple companies and you can pick your choice of the quotes that you receive.

If you find a better price you can simply submit the application and purchase the new policy. The whole process only takes a few minutes and can result in significant savings.

To compare rates now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter your coverages as close as possible to your current policy. This helps ensure you are getting rate quotes based on the exact same insurance coverage.

How to save on Ford Probe insurance

Car insurance can cost a lot, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be specifically requested before they will apply.

Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
Organization Discounts – Belonging to certain professional organizations could qualify you for a break on car insurance on Probe insurance.
Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
Distant Student – Children who live away from home without a vehicle on campus can receive lower rates.
Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Probe insurance than less cautious drivers.
Homeowners Savings – Owning a home can save you money because owning a home demonstrates responsibility.

Consumers should know that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will cut the cost of coverage.

Insurance companies that may have these money-saving discounts include:

Before buying, ask each company which discounts you may be entitled to. Savings might not apply in your state.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

Is a blown tire covered by insurance?
What can I do if my company denied a claim?
Should I sign the liability waiver when renting a car?
Can I get a multi-policy discount for packaging my home and auto coverage?
Is other people’s property covered if stolen from my vehicle?
What are the best liability limits?
How much liability coverage do I need in my state?
What is the ISO rating for a 1991 Ford Probe?
Is my Ford Probe covered if I use it for business?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for X-ray expenses, pain medications, funeral costs and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays for damage to your Probe from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, damaging your car on a curb, rolling your car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, theft and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Probe.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Liability insurance

This coverage will cover injuries or damage you cause to people or other property that is your fault. 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 means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, medical expenses, emergency aid, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Find Good Coverage for Less

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. The aim is to purchase a proper amount of coverage for the lowest price.

Cheap 1991 Ford Probe insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.

In this article, we presented a lot of ways to get a better price on insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance coverage is with a small mutual company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.