View 1993 Ford Tempo Insurance Cost

Locating the cheapest insurance for a Ford Tempo could be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to shop for insurance coverage so you’re going to learn the quickest way to price shop coverage for a new or used Ford and obtain the cheapest rates either online or from local insurance agents.

Consumers should take time to check insurance coverage prices quite often since insurance rates fluctuate regularly. If you had the best price for Tempo coverage a couple years back other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to learn the tricks you need to know to find better coverage at a better price.

How to Get Cheap Auto Insurance

Effectively comparing auto insurance prices can take time and effort if you aren’t aware of the most efficient way to do it. You could spend the better part of a day driving to insurance agencies in your area, or you could use online quotes to accomplish the same thing much quicker.

Most of the larger companies belong to an insurance system that enables customers to send in one quote, and every company returns a rated price for coverage. This eliminates the need for form submissions for each company you want a rate for.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to getting quotes like this is that consumers can’t choose which companies to receive prices from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing identical coverage information for every company. If you enter different values for each quote it’s impossible to determine the lowest rate for your Ford Tempo.

Why your Ford Tempo might be costing you more

It’s important that you understand the rating factors that play a part in calculating car insurance rates. Knowing what determines base rates helps enable you to make changes that can help you get big savings.

  • How’s your driving record? – Your driving citation history has a big impact on rates. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Just one ticket can bump up the cost by twenty percent. Drivers who have dangerous citations like DUI or reckless driving may need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Do you work long hours in a high stress job? – Occupations such as lawyers, business owners and accountants tend to pay higher rates than average in part from job stress and long work days. On the flip side, professions such as scientists, athletes and the unemployed have the lowest average rates for Tempo coverage.
  • A lapse in coverage is a bad thing – Letting your insurance expire will be a guaranteed way to bump up your car insurance costs. Not only will rates go up, failure to provide proof of insurance may earn you a revoked license or a big fine.
  • Your credit rating is important – A driver’s credit history is a big factor in calculating your car insurance rates. If your credit history is not that good, you could potentially save money when insuring your 1993 Ford Tempo by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores.

Discounts can save BIG

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but less common discounts must be manually applied before you get the savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Club Memberships – Affiliation with a qualifying organization is a good way to get lower rates on car insurance for Tempo coverage.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiring. It can save you around 10%.
  • Auto/Home Discount – If you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Drivers Education – Require your teen driver to take driver’s ed class if offered at their school.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • Low Mileage Discounts – Keeping the miles down on your Ford can earn a substantially lower rate.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will bring down the amount you have to pay.

Car insurance companies that may offer these discounts include:

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

Will just any policy work for me?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions can aid in determining whether or not you could use an agent’s help.

  • What is covered by UM/UIM coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need higher collision deductibles?
  • Are split liability limits better than a combined single limit?
  • How many claims can I have before being cancelled?
  • How do I buy GAP insurance?
  • When should my teen driver be added to my policy?
  • Should I get collision insurance on every vehicle?
  • Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Insurance coverages 101

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Auto liability insurance

Liability coverage protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair costs for stationary objects, medical expenses and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like X-ray expenses, nursing services, doctor visits and EMT expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, falling objects, damage from a tornado or hurricane and vandalism. The maximum payout a 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 consider removing comprehensive coverage.

Collision protection

This coverage covers damage to your Tempo resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Tempo.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Be a Smart Shopper

Budget-conscious 1993 Ford Tempo insurance can be found online as well as from independent agents, and you need to price shop both to get a complete price analysis. A few companies don’t offer online price quotes and these small insurance companies work with independent agents.

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. In many instances, an insured dropped uninsured motorist or liability limits and learned later that it was a big mistake. The ultimate goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We’ve covered quite a bit of information on how to shop for insurance online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

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