Save on 1997 Ford Probe Car Insurance Quotes

Are you tired of paying out the nose each month for car insurance? You’re in the same situation as most other car owners.

Companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with TV and radio ads and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Buying car insurance is easy if you know what you’re doing. Although drivers must learn how the larger insurance companies price online insurance.

The quickest way to compare rates utilizes the fact most of the bigger providers participate in a system to give free rates quotes. The only thing you need to do is give them some information including whether the vehicles are used for commuting, whether you are single or married, if you are currently licensed, and coverage limits. Your rating data is instantly sent to insurance carriers in your area and they return quotes immediately.

Will just any policy work for me?

When choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether you would benefit from professional advice.

When does my teenage driver need to be added to my policy?
Am I covered if I drive in a foreign country?
Does insurance cover tools stolen from my truck?
What is the rate difference between pleasure use and commuting?
Should I rate my 1997 Ford Probe as pleasure use or commute?
Do I need higher collision deductibles?
When would I need rental car insurance?
When should I remove comp and collision on my 1997 Ford Probe?
Do I have any recourse if my insurance company denies a claim?
Is my cargo covered for damage or theft?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Learn about auto insurance coverages for a Ford Probe

Having a good grasp of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on the average auto insurance policy.

Liability coverages

This coverage will cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as medical services, loss of income, court costs and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills such as X-ray expenses, pain medications, ambulance fees, surgery and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision coverage covers damage to your Probe resulting from a collision 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 such as crashing into a ditch, colliding with a tree, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford Probe.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from flooding, hitting a deer, hitting a bird and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.