Cheaper 1992 Ford Tempo Insurance Quotes

Trying to find better auto insurance rates for your Ford Tempo? Expensive auto insurance can empty your checking account and force you to prioritize other expenses. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket.

Numerous auto insurance companies battle for your business, so it can be very hard to choose a insurance company to find the absolute best rate

How to Compare Auto Insurance Rates

All the larger auto insurance companies like State Farm and Allstate quote coverage price quotes on their websites. Getting online quotes is pretty painless as you just type in your coverage preferences as requested by the quote form. After you submit the form their rating system will order your driving and credit reports and returns pricing information. Being able to quote online makes comparing rates easy, but the time it takes to visit many different websites and type in the same information is repetitive and time-consuming. But it’s very important to perform this step in order to get the best price on auto insurance.

Isn’t there an easier way to compare rates?

An easier way to get multiple rate quotes requires only one form that gets prices from multiple companies. The form is fast, reduces the work, and makes online price comparison much easier to do. After sending the form, it gets priced and you can choose any one of the quotes returned.

If you find a better price you simply finish the application and buy the new coverage. It only takes a few minutes and can result in significant savings.

If you want to compare rates using this form now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend that you enter deductibles and limits as shown on your current policy. This ensures you will have comparison quotes based on identical coverages.

Discounts mean cheaper 1992 Ford Tempo insurance rates

Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be requested specifically before being credited.

  • Good Student Discount – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
  • Driver’s Ed – Have your child take driver’s ed class if offered at their school.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Tempo insurance with certain companies.
  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Organization Discounts – Participating in a professional or civic organization could qualify you for a break when shopping for insurance coverage on Tempo insurance.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Tempo insurance than less cautious drivers.
  • Discount for Life Insurance – Larger companies have a break if you buy auto and life insurance together.

A little note about advertised discounts, most discount credits are not given the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will bring down the cost of coverage.

Insurance companies that may have some of the above discounts are:

Double check with all companies you are considering how you can save money. All car insurance discounts might not be offered in your state.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage, there really is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you might need an agent’s assistance.

  • Do I need replacement cost coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Why am I required to buy high-risk coverage?
  • Is a blown tire covered by insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need rental car coverage?
  • Am I better off with higher deductibles on my 1992 Ford Tempo?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Factors influencing Ford Tempo insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with big savings.

  • Your job and insurance rates – Occupations such as judges, business owners and dentists are shown to have the highest average rates attributed to stressful work requirements and long work days. Other professions such as scientists, historians and retirees pay the least on Tempo insurance.
  • Liability coverage is peace of mind – The liability section of your policy will protect you when you are found to be at fault for personal injury or accident damage. Liability provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • High deductibles save money – Physical damage deductibles define the amount you are willing to pay if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. The more you have to pay, the less your auto insurance will be on Tempo insurance.
  • How’s your driving record? – Even one moving violation may increase your cost forty percent or more. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Big city or small town – Residing in a rural area has it’s advantages when buying auto insurance. Drivers in populated areas have congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident and a lower car theft rate.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can expect higher rates. Insurance companies give discounts to drivers who file claims infrequently. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Theft deterrents lower rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.

Switch companies and save? Really?

State Farm and Allstate regularly use ads on TV and radio. All the companies have a common claim that you’ll save big if you move your policy. How can each company claim to save you money? It’s all in the numbers.

Different companies can use profiling for the type of driver that earns them a profit. A good example of a profitable customer could possibly be between the ages of 30 and 50, is a homeowner, and has a short commute. A customer who meets those qualifications will get very good rates and as a result will probably save when they switch companies.

Potential insureds who do not match the requirements will have to pay higher prices and ends up with business going elsewhere. The ad wording is “customers that switch” not “people who quote” save that kind of money. That’s why companies can advertise the savings.

Because of the profiling, you need to get as many comparisons as possible. It’s not possible to predict the company that will give you the biggest savings on Ford Tempo insurance.

Auto insurance coverage information

Understanding the coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses like hospital visits, rehabilitation expenses, funeral costs and pain medications. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability – This provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: 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. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, pain and suffering, medical expenses and attorney fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive car insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, falling objects and damage from flooding. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision coverage will pay to fix damage to your Tempo resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

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

The bottom line

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

Low-cost 1992 Ford Tempo insurance is possible online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

More tips and info about insurance coverage is available in these articles: