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1991 Ford Tempo Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 13, 2015

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No one in their right mind likes having to buy insurance, in particular when the price is too high. Online insurance companies like Progressive, GEICO and Farmers Insurance all claim big savings with ads and it is difficult to sift through the bull and find the best price available.

Smart consumers take time to compare prices yearly because insurance rates change regularly. Just because you had the lowest price for Tempo insurance two years ago you will most likely find a better rate today. You can find a lot of misleading information regarding insurance on the web, but I’m going to show you the easiest ways to reduce your insurance bill.

If you have insurance now or need a new policy, you can use this information to find better prices while maximizing coverage. Buying car insurance is quite easy. Consumers only need an understanding of the proper methods to shop for auto insurance over the internet.

How much can you save with discounts?

Car insurance is not cheap, but there could be available discounts that many people don’t even know exist. Some trigger automatically at quote time, but a few must be manually applied before being credited. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more off your medical payments premium.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Accident Free – Drivers with accident-free driving histories can save substantially as compared to bad drivers.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Early Signing – Some insurance companies reward drivers for switching policies before your current policy expires. This can save 10% or more.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Memberships – Affiliation with a civic or occupational organization could qualify you for a break on auto insurance for Tempo insurance.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less for Tempo insurance than their less cautious counterparts.

Consumers should know that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous. But any discount will reduce your overall premium however.

For a list of providers who offer auto insurance discounts, click this link.

How to Compare Car Insurance Quotes

Finding a better price on car insurance isn’t really that difficult. You just have to spend a few minutes comparing price quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The fastest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate quotation requests for each company. One simple form will get you price quotes from all major companies.

A more time consuming way to obtain and compare quotes online is to manually visit each individual company website to request a price quote. For sake of this example, let’s assume you want comparison quotes from Liberty Mutual, State Farm and Farmers. To find out each rate you need to take the time to go to each site and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The least efficient way of comparing rate quotes is to spend your day driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the trained guidance of a licensed agent. Drivers can comparison shop online but buy from a local insurance agent and we’ll cover that in a bit.

Which method you use is up to you, but double check that you are using the exact same information on every quote you get. If each company quotes unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best.

Ford Tempo insurance premiums are calculated by many factors

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for car insurance. Understanding what influences your rates empowers consumers to make smart changes that could result in lower car insurance prices.

Shown below are some of the factors used by your company to calculate premiums.

  • Extra coverages can waste money – There are quite a few add-on coverages you can purchase on your car insurance policy. Insurance for vanishing deductibles, better glass coverage and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so eliminate the coverages to reduce your premium.
  • Liability coverage is cheap – Your policy’s liability coverage is the protection if a jury decides you are liable for damages caused by your negligence. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • Better credit means lower rates – Having a bad credit score is a huge factor in determining your rates. If your credit is lower than you’d like, you could potentially save money when insuring your 1991 Ford Tempo by improving your rating. People with high credit ratings tend to be more responsible than drivers with poor credit.
  • Bundling policies can get discounts – Most car insurance companies give discounts to policyholders who carry more than one policy. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to shop around to confirm you are receiving the best rates possible.
  • More claims means more premium – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies generally give cheaper rates to drivers who file claims infrequently. Auto insurance is meant to be used in the event of the large, substantial claims.

How much car insurance do I need?

When buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if you could use an agent’s help.

  • Does my 1991 Ford Tempo qualify for pleasure use?
  • Where can I get insurance after a DUI in my state?
  • Do I need rental car coverage?
  • Am I missing any policy discounts?
  • Does my insurance cover my expensive audio equipment?
  • Do I need motorclub coverage?
  • Am I covered when driving someone else’s vehicle?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Drivers who switch save $409 a year? Really?

Consumers get pounded daily by advertisements for cheaper car insurance by State Farm and Allstate. All the ads have a common claim that you’ll save big if you change to their company.

How can each company make the same claim?

Insurance companies can use profiling for the type of driver that is profitable for them. A good example of a preferred risk might be between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Potential customers who do not match the “perfect” profile must pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can make those claims.

This illustrates why it’s extremely important to get as many comparisons as possible. You cannot predict which insurance company will provide you with the cheapest Ford Tempo insurance rates.

Car insurance coverage information

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages available from auto insurance companies.

Auto liability – This coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, emergency aid, court costs, loss of income and pain and suffering. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses such as ambulance fees, X-ray expenses and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, fire damage and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Tempo.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

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

Collision can pay for claims such as rolling your car, damaging your car on a curb, backing into a parked car, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Shop smart and save

Cheaper 1991 Ford Tempo insurance is definitely available online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some companies may not provide online quoting and these small, regional companies work with independent agents.

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured cut liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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