1991 Ford Probe Insurance Quotes

Looking for better car insurance rates for your Ford Probe? Paying for pricey Ford Probe insurance can dwindle your family’s budget and make it hard to pay other bills. Comparing cost estimates can help to make ends meet.

Insurance companies such as State Farm, Allstate, Geico and Progressive continually hit you with ads and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

Smart consumers take time to quote other rates before your next renewal due to the fact that insurance rates trend upward over time. Just because you had the best rate on Probe insurance a couple years back a different company probably has better prices today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to use the internet to properly buy coverages while reducing your premium.

Quote car insurance online

The are a couple different ways of comparing price quotes from lots of car insurance companies. The recommended way to find competitive 1991 Ford Probe insurance rates is to perform an online rate comparison. This is very easy and can be done by using one of the methods below.

  • The first (and easiest) way to get quotes is to use a rate comparison form like this one (opens in new window). This style of form eliminates the need for boring form submissions for each price estimate. Completing one form gets coverage cost estimates from multiple low-cost companies.
  • A more time consuming way to find more affordable insurance is to manually visit each company website and complete a new quote form. For sake of this example, let’s say you want to compare Geico, State Farm and Farmers. In order to compare rates, you need to visit each site to enter your coverage information, which is not fast way to get rate quotes. For a list of companies in your area, click here.
  • The most difficult way to find cheaper rates is actually driving to local insurance agencies. Comparing rates online eliminates the middleman unless you require the guidance of a local agent. However, consumers can price shop your coverage online but buy the policy through an agent.

You can choose any of those ways to find more affodable coverage, but make sure you compare the exact same coverage information on every quote. If the quotes have different deductibles it will be very difficult to get a fair rate comparison. Having just a slight variation in insurance coverages can make a big difference in price. And when comparison shopping, making a lot of price comparisons helps you find lower pricing. Some companies don’t provide price estimates online, so you need to compare prices from those companies as well.

Drivers can save with these discounts

Some providers do not advertise every policy discount in an easy-to-find place, so the next list breaks down a few of the more well known and the more hidden discounts that you can inquire about if you buy insurance online.

  • Student Discounts – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
  • Driver Training Discounts – Successfully completing a course teaching defensive driver skills could cut 5% off your bill if you qualify.
  • Save over 55 – Older drivers can possibly qualify for a small discount on rates on Probe insurance.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free for a particular time prior to the accident.
  • New Car Discount – Buying insurance coverage on a new vehicle can save you some money because newer models keep occupants safer.
  • Use Seat Belts – Forcing all vehicle occupants to wear their seat belts could cut 10% or more off PIP or medical payments premium.

Don’t be shocked that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of auto insurance companies and their offered discounts are detailed below.

  • 21st Century may have discounts that include theft prevention, automatic seat belts, homeowners, student driver, air bags, defensive driver, and driver training.
  • Progressive offers discounts for multi-vehicle, good student, multi-policy, online signing, homeowner, and continuous coverage.
  • State Farm discounts include safe vehicle, Steer Clear safe driver discount, driver’s education, good student, accident-free, defensive driving training, and multiple autos.
  • Nationwide policyholders can earn discounts including family plan, multi-policy, defensive driving, Farm Bureau membership, good student, and accident-free.
  • Esurance may offer discounts for homeowner, good student, safety device, anti-theft, Switch & Save, and multi-car.
  • The Hartford has savings for good student, bundle, defensive driver, vehicle fuel type, and driver training.

Before buying, ask every prospective company how you can save money. A few discounts may not be available in your area. To find auto insurance companies that offer the discounts shown above, click this link.

Special considerations

When it comes to choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help highlight if you may require specific advice.

  • How can I get my company to pay me more for my totalled car?
  • Do I need roadside assistance coverage?
  • Is my babysitter covered when using my vehicle?
  • Exactly who is provided coverage by my policy?
  • How much liability do I need to cover my assets?
  • Should I rate my 1991 Ford Probe as pleasure use or commute?
  • How can I force my company to pay a claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my state a no-fault state?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Coverage specifics

Knowing the specifics of insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your 1991 Ford Probe.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical expenses, repair bills for other people’s vehicles, medical services, bail bonds and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as hospital visits, EMT expenses and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, vandalism and fire damage. The maximum payout your 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 coverage protection

Collision coverage covers damage to your Probe resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.