1991 Ford Tempo Car Insurance Cost – 10 Tips to Save

Looking for cheaper insurance coverage rates for your Ford Tempo? Finding cheaper insurance for a new or used Ford Tempo can turn out to be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to buy insurance coverage and we’ll show you the proper way to quote coverages for a Ford and locate the cheapest rates.

How to reduce Ford Tempo insurance rates

Companies that sell car insurance don’t list all their discounts very clearly, so we researched both the well known and also the lesser-known ways to save on insurance coverage. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for Tempo coverage than less cautious drivers.
  • Claim Free – Drivers who don’t have accidents pay much less compared to drivers who are more careless.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings when shopping for insurance coverage for Tempo coverage.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Good Student – Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. So when it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

Companies that possibly offer these discounts include:

Double check with each company which discounts they offer. Savings might not be offered everywhere.

The easiest way to get rate comparisons is to know most of the bigger providers will pay a fee to give free rates quotes. To begin a comparison, all you need to do is take a few minutes to give details including if you require a SR-22, what your job is, driver details, and daily mileage. Your information is then sent to multiple car insurance providers and they respond with quotes within a short period of time.

To get price quotes for your Ford Tempo , click here and find out if you can get cheaper insurance.

Tailor your coverage to you

When buying adequate coverage, there really is not a “best” method to buy coverage. Each situation is unique.

For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Is business property covered if stolen from my car?
  • I have health insurance so do I need medical payments coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Who is covered when they drive my 1991 Ford Tempo?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Car insurance 101

Knowing the specifics of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance covers damage to your Tempo 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 insurance covers claims such as backing into a parked car, hitting a mailbox, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, vandalism, hitting a bird, rock chips in glass and damage from flooding. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

This provides protection from damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like court costs, legal defense fees, medical expenses, repair costs for stationary objects and medical services. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like dental work, nursing services, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Tempo.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Be Smart and Buy Smart

People leave their current company for many reasons like delays in responding to claim requests, lack of trust in their agent, policy cancellation or even not issuing a premium refund. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

You just read some good ideas how you can compare 1991 Ford Tempo insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Low-cost insurance can be found on the web and with local insurance agents, and you need to price shop both to have the best selection. A few companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

Much more information about auto insurance can be read on the following sites: