1991 Ford Probe Car Insurance Cost

Looking for the cheapest insurance coverage rates for your Ford Probe? Have you finally had enough of scraping nickels together to pay your insurance coverage bill each month? You are no different than most other people.

Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest price

Find discounts on car insurance

Car insurance is not cheap, but you may find discounts that may help make it more affordable. A few discounts will be applied when you get a quote, but a few need to be requested specifically before being credited.

• Student Discounts – Maintaining excellent grades may save you up to 25%. Most companies allow this discount until age 25.
• Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could get you a discount.
• Memberships – Participating in qualifying employment or professional organizations is a simple method to lower premiums on car insurance.
• Multi-Vehicle Discounts – Drivers who insure multiple cars or trucks with one company qualifies for this discount.
• Accident Waiver – but a handful of insurance companies will let one accident slide without getting socked with a rate hike as long as you don’t have any claims for a set time period.
• Drive Safe and Save – Insureds without accidents could pay up to 40% less for Probe insurance compared to accident prone drivers.
• Military Deployment Discount – Being deployed with a military unit may qualify for rate reductions.
• New Car Discount – Buying coverage on a new vehicle can be considerably cheaper because new vehicles are generally safer.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way.

A list of car insurance companies and some of their more popular discounts can be read below.

• Travelers includes discounts for student away at school, early quote, continuous insurance, IntelliDrive, home ownership, and new car.
• 21st Century may have discounts that include theft prevention, 55 and older, anti-lock brakes, good student, and early bird.
• State Farm may offer discounts for accident-free, multiple autos, good driver, passive restraint, student away at school, and Drive Safe & Save.
• Geico offers discounts including multi-policy, seat belt use, anti-theft, emergency military deployment, driver training, multi-vehicle, and military active duty.
• SAFECO has discounts for drive less, safe driver, anti-theft, teen safety rewards, anti-lock brakes, and accident prevention training.
• AAA policyholders can earn discounts including multi-car, anti-theft, multi-policy, pay-in-full, and good student.

When quoting, ask each company or agent how you can save money. Depending on the company, some discounts may not be available in every state. If you would like to choose from a list of insurers that have a full spectrum of discounts, click here.

The best way we recommend to compare rates is to understand most of the larger companies participate in online systems to give free rates quotes. All you need to do is give them some information like what you do for a living, if you require a SR-22, if the vehicle is leased, and whether the vehicles are used for commuting. Your rating data is sent automatically to insurance carriers in your area and they provide comparison quotes quickly.

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You can change your insurance costs

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in much lower annual insurance costs. Many things are taken into consideration when pricing auto insurance. Most are fairly basic like your driving record, but others are not as apparent like where you live or how safe your car is.

• How’s your driving record? – A bad driving record impacts premiums far more than you think. Having just one citation could increase your next policy renewal by twenty percent. Attentive drivers pay less for auto insurance as compared to those with violations. Drivers unfortunate enough to have multiple violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
• Premiums drop with age – Teenage drivers are known to get distracted easily when driving so they pay higher insurance rates. Adding a youthful driver onto your insurance can break the bank. Older people are shown to be more cautious, tend to cause fewer accidents and are safer drivers.
• Get hitched and get better prices – Your spouse can get you a discount on your policy. Marriage is viewed as being more stable financially and insurance companies reward insureds because married drivers get in fewer accidents.
• Excellent credit means lower costs – A driver’s credit history can be an important factor in calculating your insurance rates. Drivers who have good credit tend to be less risk to insure as compared to drivers with lower credit ratings. So if your credit score leaves room for improvement, you could save money insuring your 1991 Ford Probe by improving your rating.
• Where you live – Residing in smaller towns and rural areas of the country may provide you with better prices when shopping for auto insurance. Urban drivers have more aggressive driving styles and more severe claims. Less people living in that area means a lower chance of having an accident in addition to fewer liability claims.
• Low physical damage deductibles cost more – Insurance for physical damage, aka comp and collision, covers damage that occurs to your Ford. Some coverage claims are colliding with a building, hitting a deer, or theft. Deductibles for physical damage are the amount of money you are willing to pay in the event of a claim. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be for Probe insurance.
• Protect yourself with liability protection – Liability coverage provides coverage if ever a jury decides you are liable for physical damage or personal injury to other. Liability provides for a legal defense which can cost a lot. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
• How many miles do you drive? – Driving a lot of miles annually the more you will pay for insurance. A lot of insurance companies charge rates based on how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. It’s always a good idea to double check that your insurance declarations sheet is showing the correct usage, because it can save money. Having an incorrect usage rating on your Probe can result in significantly higher rates.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

• How can I find cheaper teen driver insurance?
• I have a DUI can I still get coverage?
• Is other people’s property covered if stolen from my vehicle?
• How much liability insurance is required?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered if I drive in a foreign country?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Can you really save $445 a year?

Geico, State Farm and Progressive constantly bombard you with ads in print and on television. All the ads state the claim that you’ll save big after switching your policy. How does every car insurance company make almost identical claims? It’s all in how they say it.

Different companies provide the lowest rates for the type of driver that earns them the highest profit. For instance, a profitable insured should be over the age of 35, has never had a claim, and has great credit. Someone that matches those criteria gets the lowest premium rates and most likely will save if they switch.

People who are not a match for the requirements will get higher premiums which leads to business not being written. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” can save as much as they claim. That is how companies can advertise the savings. Because every company is different, it’s extremely important to quote coverage with many companies. It’s not possible to predict which company will have the lowest rates.

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Insurance specifics

Knowing the specifics of insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, fire damage, hitting a deer, damage from a tornado or hurricane and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t 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 limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as loss of income, bail bonds and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 1991 Ford Probe.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for collisions

Collision coverage pays for damage to your Probe caused by 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 insurance covers things like sustaining damage from a pot hole, hitting a mailbox, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses like X-ray expenses, hospital visits, dental work and doctor visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

In the end, you save

We’ve covered many ideas to get a better price on 1991 Ford Probe insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the best premium rates are with the least-expected company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

Some companies may not provide online quoting and these smaller companies provide coverage only through independent agents. Cheaper insurance coverage is available on the web and from local insurance agents, and you need to price shop both to get a complete price analysis.

More information can be found at these links:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Safety Features for Your New Car (State Farm)

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