Save on 1993 Ford Tempo Car Insurance Cost

If you are a novice to online car insurance shopping, it’s easy to get confused due to the large number of online companies offering coverage.

It’s a good idea to compare rates every six months since rates change frequently. Despite the fact that you may have had the lowest rates on Tempo coverage a year ago you can probably find a lower rate today. Starting now, forget all the misinformation about car insurance because it’s time to teach you the things you must know in order to reduce your cost while increasing coverage.

How to Compare Insurance Quotes

All major insurance companies like 21st Century, Allstate and State Farm provide coverage price quotes on their websites. Getting quotes is quite easy as you simply enter the coverages you want as detailed in the form. Behind the scenes, their rating system requests your driving record and credit report and returns a price quote determined by many factors.

Online price quotes makes it a lot easier to compare rates but the time required to go to different websites and enter the same data into a form is repetitive and time-consuming. But it is imperative to get many rate quotes if you want to find better insurance pricing.

There is a better way to compare rates

A more efficient way to compare rates makes use of a single form to obtain quotes from a bunch of companies at once. It saves time, reduces the work, and makes price shopping online much more enjoyable. After sending the form, it is rated and you can choose any of the resulting price quotes. If a lower price is quoted, you simply finish the application and buy the policy. The entire process takes just a few minutes to complete and may result in a nice savings.

In order to find out if lower rates are available, click here and submit your coverage information. If you have a policy now, it’s recommended you enter the limits and deductibles as shown on your current policy. This helps ensure you will have a rate comparison for similar coverage.

Save on Ford Tempo insurance

Auto insurance companies don’t always list all available discounts in a way that’s easy to find, so the following is a list of some of the more common and also the lesser-known ways to save on insurance coverage.

  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • No Charge for an Accident – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Safety Course Discount – Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Tempo coverage than drivers with accident claims.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford can earn lower rates on the low mileage vehicles.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.

A little note about advertised discounts, most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of providers offering insurance coverage discounts, click this link.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • Does my medical payments coverage pay my health insurance deductible?
  • What discounts do I qualify for?
  • Can I rent a car in Mexico?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my 1993 Ford Tempo covered for smoke damage?
  • Do I need replacement cost coverage?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage considerations

Knowing the specifics of a car insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive protection

This pays for 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 falling objects, damage from getting keyed, a tree branch falling on your vehicle and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

Liability insurance can cover damages or injuries you inflict on a person or their 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. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things such as bail bonds, attorney fees, emergency aid, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for hospital visits, pain medications, funeral costs, chiropractic care and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to 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 coverage protection

Collision coverage pays for damage to your Tempo from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.