Cheaper 1993 Ford Probe Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Ford Probe? No one fancies paying their premiums for insurance coverage, especially knowing they could lower their rates if they shopped around.

You have so many insurers to pick from, and although it’s a good thing to have a selection, it makes it harder to find the lowest cost provider.

Components of your Ford Probe insurance rates

The best way to find cheaper auto insurance is to take a look at the rating factors that help calculate your policy premiums. When consumers understand what impacts premium levels, this allows you to make educated decisions that will entitle you to better auto insurance rates.

Shown below are just a few of the factors used by companies to determine premiums.

  • How much liability protection – Your auto insurance policy’s liability coverage kicks in when you are found liable for physical damage or personal injury to other. Liability insurance provides you with a defense in court which can cost a lot. It is affordable coverage compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Premiums are lower the older you get – More experienced drivers are shown to be more cautious, tend to cause fewer accidents and get fewer tickets.Beginning drivers have a tendency to be more careless when behind the wheel therefore auto insurance rates are much higher.
  • Gender and insurance coverage rates – Statistics demonstrate that females tend to be a little less risky than males. The data does not necessarily mean that females are better at driving than males. Both sexes are responsible for at-fault accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also receive more costly citations such as reckless driving. Teenage male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Prevent theft and save money – Purchasing a vehicle that has a built-in theft deterrent system can save you some money. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft.
  • Where you reside factors in – Having an address in a rural area has it’s advantages when it comes to auto insurance. Fewer drivers corresponds to lower accident rates and a lower car theft rate. People who live in big cities tend to have more aggressive driving styles and longer commute times. More time commuting means higher likelihood of an accident.
  • Drivers with excellent credit save on auto insurance – A driver’s credit rating factor in determining premium rates. If your credit history can be improved, you could save money insuring your 1993 Ford Probe by repairing your credit. Insureds that have excellent credit scores tend to be less risk to insure than drivers who have lower credit ratings.
  • Never go without auto insurance – Driving without insurance is a big no-no and your next policy will cost more because you let your coverage cancel without a new policy in place. And not only will insurance be more expensive, not being able to provide proof of insurance could result in a revoked license or a big fine. You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Use discounts to get cheaper auto insurance rates

Insuring your fleet can be pricey, but you may find discounts that can dramatically reduce your bill. Certain credits will be shown at quote time, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
  • Onboard Data Collection – People who choose to allow driving data collection to spy on where and when they drive by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as the data is positive.
  • Senior Citizen Discount – Drivers that qualify as senior citizens may receive a slight reduction on a insurance quote for Probe coverage.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
  • Multiple Vehicles – Drivers who insure primary and secondary vehicles on a single policy qualifies for this discount.

A quick disclaimer, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business. But any discount should help lower your premiums.

Companies that may include some of the above discounts are:

Before you buy a policy, ask each insurance company to apply every possible discount. Savings might not be offered on policies in your state. If you would like to view providers who offer discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For instance, these questions could help you determine whether your personal situation could use an agent’s help.

  • What is roadside assistance coverage?
  • What discounts do I qualify for?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if I crash into my own garage door?
  • Should I put collision coverage on all my vehicles?
  • At what point should I drop full coverage?
  • Does my insurance cover a custom paint job?
  • What if I total my 1993 Ford Probe and owe more than it’s worth?
  • Does having multiple vehicles earn me a discount?
  • Will my insurance pay for OEM parts?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Detailed coverages of your car insurance policy

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.

Liability coverage

Liability insurance will cover damage or injury you incur to other people or property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like structural damage, bail bonds and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Collision protection

Collision insurance 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 can pay for things such as crashing into a building, damaging your car on a curb, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, fire damage and a broken windshield. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Probe.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for ambulance fees, dental work and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

A penny earned…

Cheaper 1993 Ford Probe insurance can be found both online and with local insurance agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance companies may not provide price quotes online and many times these smaller companies only sell through independent insurance agencies.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.

Much more information about auto insurance is available on the following sites: