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1993 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: Nov 24, 2017

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Want lower car insurance rates for your Ford Tempo? Feel like you’re a prisoner to high-priced car insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Popular companies such as GEICO and Progressive persitently shower you with advertising and it is difficult to avoid their marketing magic and take the time to shop coverage around.

You should take the time to check car insurance prices periodically because prices fluctuate regularly. Just because you found the best deal on Tempo coverage a couple years back you can probably find a better price now. So just forget all the misinformation about car insurance because you’re about to learn the right way to find better rates and still maintain coverage.

If you have a policy now or need new coverage, you can follow these tips to find better prices while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to know the most efficient way to compare company rates online.

Discounts to lower Ford Tempo insurance rates

Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested in order for you to get them. If you aren’t receiving every discount possible, you are paying more than you should be.

  • More Vehicles More Savings – Having multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Use Seat Belts – Requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • Memberships – Being a member of a qualifying organization is a good way to get lower rates on your policy on Tempo coverage.
  • Life Insurance Discount – Some companies give lower rates if you buy a life insurance policy as well.

Consumers should know that some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will reduce your overall premium however.

For a list of insurance companies who offer insurance coverage discounts, click here to view.

Pieces of the Ford Tempo insurance rate puzzle

It’s important that you understand the different types of things that play a part in calculating insurance coverage rates. Knowing what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Drive less and save money – The more you drive every year the higher your rate. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your insurance coverage policy is showing the correct driver usage. If your policy improperly rates your Tempo can result in significantly higher rates.
  • Multiple policies with one company can save – The majority of insurance companies provide better rates to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even if you’re getting this discount you may still want to compare other company rates to confirm you are receiving the best rates possible. Consumers may find a better deal by insuring with multiple companies.
  • Don’t sacrifice liability coverage – Liability coverage is the protection if ever a jury decides you are liable for damages caused by your negligence. It provides legal defense coverage starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • How credit affects insurance coverage rates – A driver’s credit rating is a large factor in your rate calculation. Consumers who have good credit tend to be less risk to insure than drivers with poor credit. If your credit rating can use some improvement, you could pay less to insure your 1993 Ford Tempo by improving your credit score.
  • Extra add-on coverages are wasting money – There are a ton of extra bells and whistles that can waste your money on your Tempo policy. Coverages for personal injury protection, accident forgiveness and membership fees may be costing you every month. They may seem good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Battle of the sexes – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both tend to get into accidents in similar percentages, but men cause more damage. Men also get cited for more serious violations like reckless driving and DUI. Young males tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
  • Traffic violations increase rates – Your driving citation history has a huge affect on how much you pay. Just one ticket can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Drivers who have dangerous citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Is my 1993 Ford Tempo covered for flood damage?
  • Does car insurance cover theft of personal property?
  • Does my medical payments coverage pay my health insurance deductible?
  • When can I cancel my policy?
  • Does liability extend to a camper or trailer?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Can you really save that much by switching?

Drivers constantly see and hear ads that promise big savings from the likes of State Farm, GEICO and Progressive. All the ads make an identical promise that you can save after switching your coverage to them.

How can each company say the same thing?

Different companies are able to cherry pick for the right customer they prefer to insure. For example, a desirable insured could possibly be over the age of 40, a clean driving record, and has great credit. A customer getting a price quote who matches those parameters will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t measure up to these standards will have to pay a higher premium and ends up with business not being written. The ads state “customers who switch” not “everybody who quotes” save that much money. That’s why insurance companies can confidently make those claims.

Because of the profiling, drivers should get a wide range of price quotes. It’s just too difficult to predict which car insurance company will have the lowest Ford Tempo insurance rates.

Specifics of your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from auto insurance companies.

Comprehensive protection – This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, damage from flooding, theft and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision insurance pays for damage to your Tempo caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, hitting a parking meter, rolling your car, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Ford Tempo.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Liability insurance – Liability coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, repair bills for other people’s vehicles, attorney fees and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses like prosthetic devices, doctor visits, surgery and chiropractic care. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Saving money makes a lot of cents

Cheap 1993 Ford Tempo insurance can be bought both online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

In this article, we covered quite a bit of information on how to save on insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. They may have significantly lower rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

Even more information is available in these articles:

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