How Much Does 1994 Ford Probe Insurance Cost?

Locating cheaper insurance for a new or used Ford Probe can be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to shop for auto insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Ford and locate the lowest price from both online companies and local agents.

It’s a good idea to check auto insurance prices periodically because insurance rates tend to go up over time. Even if you got the lowest rates for Probe insurance six months ago you will most likely find a better rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to how to use the internet to eliminate unnecessary coverages and save money.

Auto Insurance Prices

Finding a lower price on 1994 Ford Probe insurance can be quick and easy. Drivers just need to spend a few minutes on the computer comparing rate quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

The easiest and least time consuming way to get quotes is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for boring form submissions for every auto insurance company. One form will get you price quotes from all major companies. This is perfect if you don’t have a lot of time.

A slightly less efficient method to get quotes online consists of going to each company website and fill out their own quote form. For example, we’ll pretend you want to compare Farmers, GEICO and State Farm. You would have to take the time to go to each site and enter your information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverages with each company. If you are comparing higher or lower deductibles then you won’t be able to make a fair comparison for your Ford Probe.

Don’t miss these discounts

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so we took the time to find both well-publicized as well as the least known discounts you could be receiving. If they aren’t giving you every credit available, you are throwing money away.

  • Club Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates when buying auto insurance for Probe insurance.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for Probe insurance with a few auto insurance companies.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of companies offering auto insurance discounts, click this link.

When might I need help?

When buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether you will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • Does coverage extend to Mexico or Canada?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if I break a side mirror?
  • Am I covered if hit by an uninsured driver?
  • How many claims can I have before being cancelled?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages 101

Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision – Collision coverage covers damage to your Probe caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, crashing into a building, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Auto liability – Liability coverage will cover damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like emergency aid, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for dental work, X-ray expenses, nursing services, surgery and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1994 Ford Probe.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, fire damage and hitting a deer. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.