Compare 1997 Ford Probe Insurance Rates

Overpriced Ford Probe insurance can eat up your monthly budget and force you to cut corners elsewhere. Comparing rate quotes is a smart way to reduce premiums and put more money in your pocket.

Due to the large number of options when it comes to car insurance, it can be diffult for people to locate the cheapest car insurance company.

Compare auto insurance quotes

There are a lot of ways you can shop for auto insurance but some are less time-consuming than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you could use the internet to get prices fast.

Most major companies enroll in a system where insurance shoppers complete one form, and every company returns a competitive quote. This eliminates the need for form submissions to each company.

To compare rates using this form now click here to start a free quote.

One minor caviat to using this type of form is you can’t choose the insurers to receive prices from. So if you want to select individual companies to compare prices, we put together a list of auto insurance companies in your area. Click to view list.

Which method you use is up to you, but be sure you’re using nearly identical coverages and limits on every quote. If the quotes have different liability limits it will be very difficult to make a fair comparison for your Ford Probe.

Car Insurance Discounts

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that many people don’t even know exist. Some of these disounts will be visible at quote time, but once in a while a discount must be requested specifically before they will apply.

  • New Vehicle Savings – Insuring a vehicle that is new can save you some money because newer models are generally safer.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Probe insurance as compared to drivers with claims.
  • Membership in Organizations – Being in qualifying employment or professional organizations can get you a small discount on car insurance.
  • Drive Less and Save – Driving less could be rewarded with better car insurancerates on cars that stay parked.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
  • Student Discounts – This discount may save as much as 25% on a insurance coverage quote. The discount lasts up to age 25.
  • Sign Early and Save – A few car insurance companies offer discounts for buying a policy prior to your current policy expiration. You can save around 10% with this discount.
  • Multiple Vehicles – Insuring more than one vehicle on one policy could earn a price break for each car.

Please keep in mind that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, companies don’t profit that way.

To view companies who offer online car insurance quotes, click here to view.

Tailor your car insurance coverage to you

When buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions can aid in determining if your situation might need an agent’s assistance.

  • How much liability coverage do I need in my state?
  • Do I need replacement cost coverage?
  • I don’t drive much so do I pay less?
  • What discounts do I qualify for?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance policy specifics

Having a good grasp of a insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as X-ray expenses, rehabilitation expenses and prosthetic devices. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability – Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like legal defense fees, loss of income, pain and suffering, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, falling objects and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Probe.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverages – This will pay to fix damage to your Probe resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Final thoughts

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. Too many times, an insured cut comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Some companies may not provide the ability to get a quote online and many times these regional carriers only sell through local independent agencies. Budget-conscious 1997 Ford Probe insurance is possible both online and from local insurance agents, so you should compare both in order to have the best price selection to choose from.

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