1996 Ford Probe Car Insurance Rates – 5 Discounts for Cheaper Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 24, 2022

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Looking for cheaper auto insurance rates for your Ford Probe? No one cherishes buying auto insurance, especially knowing they are paying too much.

There are many insurance companies to choose from, and though it is a good thing to be able to choose, it can be more challenging to find the best rates for your vehicles.

It’s a good habit to shop coverage around occasionally because prices are adjusted regularly by insurance companies. If you had the best rates on Probe insurance a year ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate one of the quickest ways to lower your rates without sacrificing coverage.

Finding cheaper coverage is not that difficult. Basically, every driver who is shopping for insurance most likely will be able to find better rates. But car owners can benefit by having an understanding of the way companies determine prices because it can help you find the best coverage.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but there are discounts available to cut the cost considerably. Some trigger automatically when you quote, but some must be inquired about in order for you to get them.

  • Senior Discount – Older drivers may qualify for a small decrease in premiums on Probe insurance.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Probe insurance with select insurance companies.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.

It’s important to understand that most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, companies don’t profit that way. Any amount of discount will reduce your premiums.

A partial list of companies that may have these benefits include:

Before buying, ask every prospective company how you can save money. All car insurance discounts may not apply in your area.

Tailor your coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions can help discover if you will benefit from professional help.

  • What is the rate difference between pleasure use and commuting?
  • If I drive on a suspended license am I covered?
  • Am I insured when driving a different vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Are split liability limits better than a combined single limit?
  • Should I carry comprehensive and collision coverage?
  • How high should my medical payments coverage be?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Can switching companies really save?

Companies like 21st Century, Allstate and State Farm regularly use ads on TV and radio. All the ads make an identical promise of big savings if you move your policy. How do they all say the same thing? This is how they do it.

All the different companies are able to cherry pick for the driver they prefer to insure. For instance, a preferred risk might be profiled as over the age of 50, has no driving citations, and drives newer vehicles. Any new insured who fits that profile receives the best rates and therefore will save when they switch companies.

Potential customers who don’t qualify for this ideal profile must pay higher prices and ends up with business not being written. The ads say “customers who switch” not “everyone that quotes” save money. This is how insurance companies can state the savings.

This illustrates why you should compare as many rates as you can. It is impossible to predict which company will have the lowest Ford Probe insurance rates.

Auto insurance policy coverages for a Ford Probe

Knowing the specifics of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by auto insurance companies.

Comprehensive coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, hitting a bird, damage from flooding and theft. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford Probe.

Due to the fact that many drivers 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 is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Liability – This coverage will cover damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as attorney fees, loss of income, pain and suffering and court costs. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like prosthetic devices, surgery and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This will pay to fix damage to your Probe resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Smart consumers save more

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at an affordable rate.

We’ve covered a lot of ways to save on 1996 Ford Probe insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the most savings is with a small local company. They may have significantly lower rates on certain market segments than their larger competitors like GEICO and State Farm.

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