1990 Ford Probe Insurance Cost

Looking for the cheapest auto insurance rates for your Ford Probe? Sick and tired of trying to scrape together enough money each month for car insurance? You are in the same boat as many other drivers.

With so many companies and agents to choose from, it can be hard to locate the right insurer.

It’s important to compare rates once or twice a year since insurance rates are constantly changing. Just because you had the lowest price for Probe coverage on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. But vehicle owners need to have an understanding of the methods companies use to sell online because it can help you find the best coverage.

What determines your Ford Probe insurance premium

It’s important that you understand some of the elements that play a part in calculating your insurance coverage rates. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

Shown below are some of the factors used by your company to calculate prices.

  • Men are more aggressive – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men have accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Allowing your policy to lapse raises rates – Not having insurance is illegal and you will pay a penalty because you let your coverage lapse. Not only will you pay more, but not being able to provide proof of insurance can result in a revoked license or a big fine.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Safer occupants lowers premiums – Cars with high safety ratings can get you lower premiums. Safer cars result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Ford Probe is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Auto Insurance Comparison Rates

To find the best auto insurance prices, there are several ways of comparing rates and find the best price. The best way to find competitive 1990 Ford Probe insurance rates is to use the internet to compare rates. This can be accomplished in several different ways.

One of the simplest ways to find low rates would be an industry-wide quote request form click here to open form in new window. This method eliminates the need for repetitive form submissions for every auto insurance company. One form submission will get you price quotes from all major companies.

A more difficult way to shop for auto insurance online requires a visit to the website for each individual company to complete a price quote. For example, we’ll assume you want rates from Geico, State Farm and Farmers. To find out each rate you need to go to every website and enter your information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but ensure you are comparing exactly the same coverage information for every company. If you compare differing limits it will be impossible to determine the best price for your Ford Probe. Quoting even small variations in coverage limits may result in a large different in cost. Keep in mind that obtaining a wide range of quotes provides better odds of finding better pricing.

Don’t be fooled by advertising claims

Car insurance companies such as Allstate, Geico and Progressive consistently run ads in print and on television. They all seem to make the same claim about savings if you change to their company. How do they all make the same claim? It’s all in the numbers.

All companies are able to cherry pick for the type of driver they prefer to insure. An example of a driver they prefer might be profiled as between the ages of 40 and 55, has no tickets, and has great credit. A customer who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Potential insureds who do not match these standards will be quoted higher rates which usually ends up with business going elsewhere. The ads state “drivers who switch” not “people who quote” save that much money. That’s why companies can advertise the way they do. This emphasizes why drivers should get as many quotes as possible. It’s impossible to know which car insurance company will provide you with the cheapest Ford Probe insurance rates.

Don’t miss these discounts

Companies offering auto insurance don’t necessarily list all available discounts very well, so we researched some of the more common and the harder-to-find savings tricks you should be using.

  • Own a Home – Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
  • Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Paperwork-free – A few companies will give a small break just for signing your application digitally online.
  • Save over 55 – If you qualify as a senior citizen, you may receive reduced rates for Probe coverage.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Passive Restraint Discount – Factory air bags can get savings of more than 20%.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Distant Student – Youth drivers living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of insurance companies offering auto insurance discounts, click here to view.

When might I need help?

When it comes to buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you will benefit from professional help.

  • Should I have a commercial auto policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Why am I required to buy high-risk coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I buy additional glass protection?
  • I have a DUI can I still get coverage?
  • How much liability do I need to cover my assets?
  • Am I insured when driving a different vehicle?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage breakdown

Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from auto insurance companies.

Comprehensive protection – Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, damage from flooding, a broken windshield and fire damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for bills such as chiropractic care, ambulance fees and dental work. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your Probe from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, hitting a parking meter, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability insurance – Liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, emergency aid and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Never pay more for less

Cost effective 1990 Ford Probe insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

We covered many tips how you can get a better price on insurance. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from a lesser-known regional company. Smaller companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

Even more information can be found at these sites: