How to Find Affordable Insurance for your Ford Probe
If shopping your car insurance around was fun, we'd do it much more often. But the reality is, you probably don't enjoy it and you think it costs too much. Finding insurance for your Ford Probe that you can actually afford is probably no different.
Step One: Insurance Rate Comparison Quotes
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Welcome to the 21st century!
Comparing apples-to-apples price quotes for your Ford Probe is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Quote Tip! In order to accurately compare rates for your Probe, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Insider Tips for Finding Cheaper Probe Insurance
There are many contributing factors that determine what you pay to insure your Ford. You can help yourself (and your wallet) by paying attention to the following rate factors.
- If you've recently completed a driver's training or safety course, tell your insurance company. You may qualify for a 5-10% discount.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- Car insurance rates for a teen driver on a Ford Probe will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- Higher deductibles save money. If you can afford to pay a larger portion of a comprehensive or collision claim, you will pay substantially less for those coverages if you increase your deductibles to $500 or even $1,000.
- If your Ford is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- Insurance companies pay attention to which vehicles are stolen the most, so if your car is frequently targeted by thieves, chances are good you will pay more for insurance if you live in certain parts of the country.
Step Three: Bind Coverage and Cancel your Old Policy
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your Probe with.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Ford off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Probe won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
To do more research on car insurance, visit the Insurance Information Institute website.
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