Trying to find the cheapest insurance for a Ford Probe could be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to find auto insurance online and you need to know the absolute fastest way to price shop coverage for a new or used Ford and obtain the best price possible.
You should make it a habit to price shop coverage periodically because prices are usually higher with each renewal. If you had the best deal on Probe coverage two years ago you can probably find a better price now. Ignore everything you know about auto insurance because you’re about to learn the right way to properly buy coverages while reducing your premium.
If you have insurance now or are shopping for new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. Pricing more affordable coverage is quite easy. Vehicle owners only need an understanding of the most efficient way to compare price quotes online.
More discounts equal less premium
Auto insurance companies don’t necessarily list all their discounts in an easy-to-find place, so we researched both well-publicized and the more hidden auto insurance savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.
- One Accident Forgiven – Certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
- Save over 55 – If you’re over the age of 55, you may be able to get better auto insurance rates on Probe coverage.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
- Defensive Driving Course – Taking part in a driver safety course can save you 5% or more if you qualify.
- Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Probe coverage with a few auto insurance companies.
- Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
- Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, auto insurance companies aren’t that generous.
For a list of insurers with the best auto insurance discounts, click this link.
Where Can I Get Cheap Auto Insurance?
Cutting your auto insurance rates can be relatively painless. All you need to do is take a couple of minutes comparing rates online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.
The fastest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This type of form prevents you from having to do a different quote for each company. One form will get you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.
Another way to analyze rates requires a visit to the website for every company you want to comare to complete their respective quote request forms. For instance, we’ll assume you want comparison quotes from Farmers, Progressive and Allstate. To find out each rate you need to go to every website to enter your coverage information, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
Whichever method you choose, compare the exact same deductibles and coverage limits for each comparison quote. If each company quotes unequal deductibles or liability limits it will be impossible to make an equal comparison.
It’s not one size fits all
When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.
- Can I rate high risk drivers on liability-only vehicles?
- How do I file an SR-22 for a DUI in my state?
- What can I do if my company won’t pay a claim?
- Exactly who is provided coverage by my policy?
- Does my insurance cover my expensive audio equipment?
- Should I buy additional glass protection?
- What discounts do I qualify for?
- Am I covered when driving in Canada or Mexico?
- Why am I required to buy high-risk coverage?
- Is my babysitter covered when using my vehicle?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.
Don’t believe everything you hear
Drivers can’t get away from ads that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise of big savings if you switch your policy.
How do they all say the same thing?
All companies have a certain “appetite” for the type of customer that earns them a profit. An example of a profitable customer might be between 30 and 50, a clean driving record, and has a short commute. Any driver who matches those parameters receives the best rates and most likely will save when switching.
Consumers who do not match this ideal profile must pay higher premiums which leads to the customer not buying. Company advertisements say “customers that switch” not “people who quote” save that kind of money. That is how insurance companies can confidently claim big savings. This illustrates why it is so important to compare as many rates as you can. You cannot predict the company that will give you the biggest savings.
Specific coverage details
Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.
Liability car insurance
This coverage will cover damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.
Liability coverage pays for claims like court costs, legal defense fees, medical expenses, emergency aid and structural damage. How much coverage you buy is your choice, but buy higher limits if possible.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Ford Probe.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive coverage (or Other than Collision)
This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as rock chips in glass, damage from flooding, vandalism and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Auto collision coverage
Collision coverage will pay to fix damage to your Probe resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision can pay for things like sustaining damage from a pot hole, colliding with another moving vehicle, colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as prosthetic devices, doctor visits and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Buy online or local, you save
Cheap Ford Probe insurance can be sourced online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some auto insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.
When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to find out that they should have had better coverage. The aim is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.
You just read some good ideas how to compare Ford Probe insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from the least-expected company.
