Save on 1994 Ford Tempo Car Insurance Rates

Trying to find low-cost insurance for a Ford Tempo can be an all-consuming task, but you can use our car insurance buying tips to find lower rates.

There is a better way to find car insurance online and you need to know the quickest way to compare rates for your Ford and obtain the best price possible from local insurance agents and online providers.

It’s a great practice to take a look at other company’s rates on a regular basis due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates on Tempo coverage six months ago you can probably find a lower rate today. There is a lot of bad advice regarding car insurance online, so with this article, you’re going to get some tested techniques to reduce your car insurance bill.

Parts of the Ford Tempo rate equation

Consumers need to have an understanding of the factors that come into play when calculating auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with big savings.

  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse is a quick way to increase your auto insurance rates. Not only will rates go up, failure to provide proof of insurance may earn you a revoked license or a big fine.
  • Safer occupants lowers premiums – Cars with high safety ratings tend to have better insurance rates. These vehicles reduce injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Ford Tempo has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Optional equipment can affect rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Frequent auto insurance claims increase rates – If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Insurance companies generally give cheaper rates to insureds who file claims infrequently. Auto insurance is meant to be used in the event of larger claims.
  • Battle of the sexes – The statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Men and women cause accidents in similar percentages, but men tend to have more serious accidents. Men also get cited for more serious violations like reckless driving and DUI.
  • Having a spouse can save you money – Getting married actually saves money when buying auto insurance. Marriage is viewed as being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • More miles equals more premium – The higher the mileage driven in a year’s time the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance declarations sheet is rated on the correct usage for each vehicle. If your policy improperly rates your Tempo can cost quite a bit.
  • Credit scores impact auto insurance rates – Your credit history is a large factor in your rate calculation. If your credit is not that good, you could potentially save money when insuring your 1994 Ford Tempo by improving your rating. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit scores.

How to Compare Insurance

Most companies like State Farm, GEICO and Progressive give price estimates directly from their websites. Getting online rates is pretty painless as you simply enter your coverage preferences as requested by the quote form. When the form is submitted, their rating system automatically orders your driving record and credit report and returns a price based on these factors.

This helps simplify price comparisons, but having to visit different websites and complete many quote forms can be a bit repetitive. But it is imperative to get many rate quotes if you want to find lower prices.

Quote rates the easy way

The quickest way to compare insurance pricing is to use a quote form that analyzes rates from several different companies. It saves time, eliminates form submissions, and makes quoting online much easier. As soon as you send your information, it gets priced and you can choose your choice of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and could lower your rates considerably.

To quickly compare rates using this form now, simply click here to open in new window and submit the form. If you have coverage now, it’s recommended that you enter the insurance coverages identical to your current policy. Doing this assures you will get a price comparison using the exact same coverages.

Pay less for Ford Tempo insurance

The price of auto insurance can be rather high, but discounts can save money and there are some available to help offset the cost. Most are applied when you complete an application, but some must be specifically requested in order for you to get them. If they aren’t giving you every credit possible, you are throwing money away.

  • Defensive Driver – Taking part in a course in driver safety could save 5% or more if you qualify.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of more than 20%.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for reduced rates on Tempo coverage.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Tempo coverage than their less cautious counterparts.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will help reduce your overall premium however.

For a list of providers who offer car insurance discounts, click here to view.

Tailor your coverage to you

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when using my vehicle for business?
  • What vehicles should carry emergency assistance coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • I have a DUI can I still get coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need medical payments coverage since I have good health insurance?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Car insurance policy coverages for a 1994 Ford Tempo

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

Collision coverage will pay to fix damage to your Tempo caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, sideswiping another vehicle, hitting a mailbox, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, hospital visits, chiropractic care, rehabilitation expenses and surgery. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, falling objects, damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage 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 your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. 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 insurance covers claims like emergency aid, pain and suffering, medical expenses, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Save for a rainy day

Budget-conscious 1994 Ford Tempo insurance is attainable online in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Consumers change insurance companies for many reasons like an unsatisfactory settlement offer, not issuing a premium refund, high prices or poor customer service. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.

When you buy insurance online, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed liability coverage limits only to regret that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

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