View 1994 Ford Probe Car Insurance Rates

Looking for better car insurance rates for your Ford Probe? Paying for pricey Ford Probe insurance can consume your accounts and require stricter spending habits. Price shopping at each renewal can be a smart way to make sure you’re not throwing money away.

Big-name insurance companies like Geico, Progressive and Allstate constantly blast consumers with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

Take policy discounts and save

Auto insurance is not inexpensive, but there could be significant discounts to reduce the price significantly. A few discounts will be applied when you quote, but some discounts are required to be manually applied prior to getting the savings.

  • Accident Forgiveness – This one isn’t a discount, but a few companies such as Allstate, Progressive, and Geico allow you one accident without the usual rate increase so long as you are claim-free for a specific time period.
  • Professional Organizations – Having an affiliation with a qualifying organization could earn you a nice discount on auto insurance.
  • ABS and Traction Control Discounts – Cars equipped with ABS or steering control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get reduced rates for Probe coverage.
  • Discount for New Cars – Insuring a vehicle that is new can save up to 30% since newer vehicles have better safety ratings.
  • Defensive Driver – Taking time to complete a defensive driving course could possibly earn you a 5% discount and make you a better driver.

You can save money using discounts, but most discount credits are not given the the whole policy. A few only apply to individual premiums such as comp or med pay. So even though you would think you would end up receiving a 100% discount, companies don’t profit that way.

Some of the insurance companies that may include most of the discounts above include:

When getting free insurance coverage quotes, it’s a good idea to every insurance company which discounts they offer. Savings may not apply in your area.

Get lower-cost insurance prices by understanding these factors

It’s important that you understand some of the elements that help determine your insurance rates. When you know what positively or negatively influences your rates, this helps enable you to make changes that will entitle you to lower premium levels. Many different elements are used when premium rates are determined. Some factors are common sense like your driving record, but some are more obscure such as whether you are married or how safe your car is.

The list below includes most of the major factors used by your company to calculate rates.

  • A insurance lapse can increase prices – Driving any period of time without insurance can get your license suspended and you may have a hard time finding new coverage because you let your insurance lapse. In addition to paying higher rates, failure to provide proof of insurance might get you fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Is insurance coverage cheaper for females or males? – The statistics show that women are safer drivers than men. However, don’t assume that males are worse at driving than females. Women and men cause at-fault accidents in similar percentages, but the male of the species get into accidents with more damage. They also receive more major tickets such as DWI and reckless driving. Young men ages 16 to 20 have the highest risk to insure so they pay the highest premiums.
  • Do you really need the incidental coverages? – There are a lot of add-on coverages that sound like a good idea at the time if you don’t pay attention. Things like coverage for rental cars, high-cost glass coverage, and Farm Bureau memberships could be just wasting money. They may seem like a good idea when you first buy your policy, but your money might be better spent on other coverage so remove them from your policy.
  • Small claims can cost you – If you frequently file small claims, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Car insurance companies generally give the best rates to policyholders who file claims infrequently. Your insurance policy is intended for claims that you cannot pay yourself.
  • Traffic violations cost more than a fine – A bad driving record impacts your car insurance rates tremendously. Good drivers receive lower rates than bad drivers. Having just one speeding ticket may cause rates to rise substantially. Drivers unfortunate enough to have license-revoking citations like DUI, reckless driving or excessive speeding might be required by their state to maintain a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • How many miles do you drive? – The more you drive your Ford every year the higher your rate. A lot of insurance companies charge rates based on how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates than those used for commuting. It’s a good idea to make sure your vehicle rating is rated on the proper vehicle usage, because it can save money. An incorrectly rated Probe may be wasting your money.
  • Big cities mean more claims – Having an address in areas with lower population is a good thing when buying insurance. Less people living in that area translates into fewer accidents and lower theft and vandalism rates. Drivers who live in large cities tend to have more aggressive driving styles and longer commute times. More time commuting means more chances of being involved in an auto accident.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • If I drive on a suspended license am I covered?
  • Do I need motorclub coverage?
  • How do I file an SR-22 for a DUI in my state?
  • What vehicles should carry emergency assistance coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What discounts do I qualify for?
  • Should I waive the damage coverage when renting a car?
  • How can I get high-risk coverage after a DUI?
  • Do all my vehicles need collision coverage?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage options for a 1994 Ford Probe

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 1994 Ford Probe.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses like EMT expenses, hospital visits, dental work, doctor visits and nursing services. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage can cover damage that occurs to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, medical expenses, repair bills for other people’s vehicles, attorney fees and funeral expenses. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Collision insurance

Collision coverage will pay to fix damage to your Probe from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, sideswiping another vehicle, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a bird, hitting a deer and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Better coverage you can count on

Some companies don’t offer rate quotes online and usually these small, regional companies only sell through local independent agencies. Budget-friendly car insurance is available both online as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture.

In this article, we presented a lot of tips how to lower your 1994 Ford Probe insurance auto insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding inexpensive insurance coverage. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

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