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1994 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 23, 2017

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Searching for lower insurance rates for your Ford Tempo? Are you a victim of overpriced insurance? Trust us when we tell you you’re not the only one. Popular companies such as Progressive, GEICO and Farmers Insurance increase brand awareness with catchy ads and it is difficult to avoid their marketing magic and find the best price available.

Verify you’re getting all your discounts

Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. Some discounts apply automatically when you quote, but some must be specifically requested in order for you to get them. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Tempo coverage with select insurance companies.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. Any qualifying discounts will help reduce your overall premium however.

Companies that may offer some of the above discounts include:

Before buying, ask each insurance company which discounts they offer. Discounts might not apply in your state.

Insurance Quote Comparison

Most major insurance companies give coverage prices online. Getting quotes is quite simple as you just enter your coverage preferences into the quote form. Once entered, their rating system automatically orders credit information and your driving record and returns a price determined by many factors. Quoting online helps simplify price comparisons, but the time it takes to visit a lot of sites and complete many quote forms gets old quite quickly. But it’s very important to perform this step if you want to find a lower rate.

Compare rates the easy way

A more efficient way to find better insurance pricing requires only one form to return rates from many companies. This type of form saves time, eliminates form submissions, and makes online shopping a little more enjoyable. Immediately after submitting the form, it is rated and you can select your choice of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process just takes a couple of minutes and you’ll know if lower rates are available.

To quickly compare rates using this form now, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you input your coverages as shown on your current policy. This makes sure you are getting rate comparison quotes for exact coverage.

When should I talk to an agent?

When choosing proper insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might point out whether you will benefit from professional help.

  • What is covered by UM/UIM coverage?
  • Can I still get insurance after a DUI?
  • When should my teen driver be added to my policy?
  • Should I rate my 1994 Ford Tempo as pleasure use or commute?
  • Does coverage extend to a rental car in a foreign country?
  • Why does it cost so much to insure a teen driver?
  • What is the rate difference between pleasure use and commuting?
  • Is a blown tire covered by insurance?
  • Do I need rental car coverage?
  • How does medical payments coverage work?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Insurance coverage breakdown

Understanding the coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as ambulance fees, hospital visits, chiropractic care, nursing services and pain medications. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 1994 Ford Tempo.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, falling objects and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

This coverage will cover damage that occurs to other people or property by causing an accident. This insurance 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. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, attorney fees, medical expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Saving money is sweet as honey

As you shop your coverage around, you should never reduce coverage to reduce premium. There are too many instances where consumers will sacrifice liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Low-cost 1994 Ford Tempo insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some car insurance companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Additional detailed information can be found in these articles:

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