Cheapest 1997 Ford Probe Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Searching for cheaper auto insurance rates for your Ford Probe? Finding the best price on auto insurance might seem complicated at first if you’ve never compared online price comparisons. Don’t let that stop you because finding affordable coverage online is easier than you think.

If you are paying for car insurance now, you should be able to save some money using this information. Finding the lowest cost protection is simple if you know the tricks. Nevertheless, car owners must comprehend how insurance companies sell insurance online because it can help you find the best coverage.

Free Quotes for Auto Insurance

Performing a rate comparison can take time and effort if you don’t know the easiest way. You could waste a few hours discussing policy coverages with insurance companies in your area, or you could use online quotes for quick rates.

Most of the best insurance companies belong to a marketplace that enables customers to submit their information once, and every company returns a rated price based on that information. This prevents consumers from doing form submissions to each individual auto insurance company. To get comparison pricing now click here to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose the companies to get quotes from. If you prefer to choose specific providers to compare rates, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, ensure you’re using the exact same coverages for every quote you compare. If the quotes have different deductibles it will be next to impossible to make an equal comparison. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that getting more free quotes will improve the odds of getting the best rates.

When should I talk to an agent?

When choosing the right insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can help discover whether you might need professional guidance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my 1997 Ford Probe need full coverage?
  • How does medical payments coverage work?
  • How much liability do I need to cover my assets?
  • Does coverage extend to a rental car in a foreign country?
  • Should I get collision insurance on every vehicle?
  • Who is covered by my policy?
  • When should I buy a commercial auto policy?
  • Is extra glass coverage worth it?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage breakdown

Having a good grasp of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage – This coverage will pay to fix 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 like falling objects, hail damage, damage from flooding and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Ford Probe.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverages – This covers damage to your Probe caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, crashing into a ditch, rolling your car, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability auto insurance – This provides protection from damage or injury you incur to other people or property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle 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 liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like attorney fees, repair costs for stationary objects, emergency aid, structural damage and medical expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for expenses for nursing services, ambulance fees, prosthetic devices and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Frequently Asked Questions

How can I find the cheapest auto insurance rates for my 1997 Ford Probe in 2023?

To find the cheapest auto insurance rates for your 1997 Ford Probe in 2023, you can use online quote tools. These tools allow you to submit your information once and receive quotes from multiple insurance companies. By comparing the quotes, you can find the best price for your coverage needs.

Can I choose specific insurance companies to get quotes from?

When using online quote tools, you may not be able to choose specific insurance companies to get quotes from. However, if you prefer to compare rates from specific providers, you can visit a page that lists the cheapest auto insurance companies in your area.

How important is it to use the same coverages when comparing quotes?

It is essential to use the exact same coverages when comparing auto insurance quotes. If the quotes have different deductibles or coverage limits, it will be challenging to make an accurate comparison. Even a small difference in coverage can result in a significant price difference.

When should I talk to an insurance agent?

The decision to talk to an insurance agent depends on your specific needs and circumstances. If you have questions about coverages or need professional guidance, it may be beneficial to speak with an agent. You can fill out a form to get in touch with an agent in your area.

How much liability coverage do I need?

The amount of liability coverage you need depends on your personal circumstances. While the minimum required by law may be sufficient, it’s often recommended to purchase higher limits if possible. Higher liability limits provide more financial protection in case of an accident.

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