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1992 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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Searching for better insurance coverage rates for your Ford Tempo? Locating better insurance prices for a Ford Tempo could be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to buy insurance coverage so you’re going to learn the proper way to get price quotes on a Ford and obtain the best price possible from both online companies and local agents.

Buying affordable car insurance is quite easy. If you are insured now or are shopping for new coverage, you can use these techniques to reduce the price you pay while maintaining coverages. Vehicle owners just need to understand how to find the lowest price over the internet.

Ford Tempo insurance rates can be determined by these details

It’s important that you understand the different types of things that help determine the rates you pay for insurance. Understanding what impacts premium levels empowers consumers to make smart changes that could result in lower insurance prices.

  • Where you live can impact rates – Residing in less populated areas can be a good thing when it comes to insurance. Less people living in that area means fewer accidents as well as less vandalism and auto theft. City drivers have to deal with much more traffic to deal with and much longer commute distances. More time on the road can result in more accidents.
  • Battle of the sexes – Statistics have proven that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Women and men tend to get into accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving.
  • Extra coverages can waste money – There are quite a few add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, accidental death and membership fees may be wasting your money. They may seem good initially, but your needs may have changed so eliminate them to save money.
  • Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford Tempo earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

How to Compare Insurance Coverage

Finding lower insurance coverage rates can be quick and easy. Drivers just need to spend a few minutes comparing rate quotes online with multiple companies. This can be done in a couple of different ways.

The most efficient way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This form keeps you from doing boring form submissions to each individual insurance coverage company. One form gets you price quotes from several companies. Recommended for those who want to invest the least amount of time.

A more difficult way to get quotes online consists of going to the website for every company you want to comare and complete a new quote form. For example, we’ll pretend you want comparison quotes from Auto-Owners, Progressive and State Farm. To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

The most time-consuming way to get comparison rates is to waste gas driving to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the trained guidance of a licensed agent. You can, however, compare online quotes and still use a local agent.

It doesn’t matter which method you choose, just be sure to compare the exact same information on every quote you get. If you have differing limits you will not be able to make a fair comparison for your Ford Tempo.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, but there are discounts available to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but a few need to be asked for before they will apply. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Organization Discounts – Belonging to a qualifying organization could trigger savings on insurance for Tempo insurance.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Homeowners Discount – Owning a house may earn you a small savings because owning a home is proof that your finances are in order.
  • Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for Tempo insurance with a few insurance companies.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get reduced rates for Tempo insurance.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way. But all discounts will cut the cost of coverage.

Insurance companies that possibly offer these discounts include:

Check with every prospective company how you can save money. All car insurance discounts may not apply everywhere.

Everyone needs different coverages

When it comes to buying adequate coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • When would I need rental car insurance?
  • Do I need an umbrella policy?
  • If I drive on a suspended license am I covered?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my camper covered by my car insurance policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Is rental equipment covered for theft or damage?
  • What is roadside assistance coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance coverages explained

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Collision protection

Collision insurance will pay to fix damage to your Tempo from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for doctor visits, EMT expenses, surgery, ambulance fees and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Auto liability insurance

This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 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 coverage pays for things such as attorney fees, bail bonds, court costs, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, theft, vandalism and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

One last thing

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where someone dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at an affordable rate while still protecting your assets.

People who switch companies do it for many reasons like not issuing a premium refund, an unsatisfactory settlement offer, denial of a claim or extreme rates for teen drivers. No matter why you want to switch, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

In this article, we covered many tips how you can get a better price on 1992 Ford Tempo insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with the smaller companies.

For more information, link through to the resources below:

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