How Much Does 1993 Ford Tempo Insurance Cost?

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? You’re preaching to the choir because you are not the only one feeling buyer’s remorse. Lots of car insurance companies contend for your business, and because of this it can be hard to compare auto insurance companies and get the best coverage at the best rates possible.

It is always a good idea to get comparison quotes before your policy renews because car insurance prices are adjusted regularly by insurance companies. Even if you got the lowest rates for Tempo coverage six months ago a different company probably has better premium rates today. Forget all the misinformation about car insurance because you’re about to learn one of the quickest ways to remove unneeded coverages and save money.

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Save money by applying discounts

Car insurance companies don’t always list every disount available very clearly, so we took the time to find a few of the more well known and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

  • Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
  • Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Pay Upfront and Save – By making one initial payment rather than paying monthly you can actually save on your bill.
  • Paperless Signup – Certain larger companies will discount your bill up to fifty bucks for completing your application on your computer.
  • Save over 55 – Drivers over the age of 55 may receive a small discount on rates for Tempo coverage.
  • Bundle and Save – If you have multiple policies and insure them both with the same insurance company you may save up to 20% and get you cheaper car insurance.
  • Military Rewards – Having an actively deployed family member could mean lower rates.
  • Seat Belt Usage – Drivers who require all occupants to fasten their seat belts could cut 10% or more off the medical payments premium.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.
  • Multi-Vehicle Discounts – Having multiple cars or trucks with one company can reduce the rates for all insured vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. Even though it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

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

The quickest way to compare policy rates is to take advantage of the fact most insurance companies allow for online access to compare rate quotes. To get started, all you need to do is provide a little information including the type of vehicles you drive, whether you drive to work or school, marital status, and distance driven. The data is instantly sent to insurance companies and you should receive rate quotes very quickly.

If you wish to get multiple quotes for your 1993 Ford Tempo now, click here and find out if you can get cheaper insurance.

Ford Tempo insurance cost factors

The best way to find cheaper insurance is to take a look at the different types of things that come into play when calculating your insurance rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with big savings.

  • What are your comp and collision deductibles? – Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your vehicle. Examples of some claims that would be covered would be a windshield shattered by a rock, vandalism, and burglary. Your deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more expense you have to pay, the less money you will pay for insurance for Tempo coverage.
  • Improve your credit score – Having a bad credit score is a big factor in determining what you pay. Drivers who have excellent credit tend to file fewer claims than drivers with poor credit. Therefore, if your credit score is lower than you’d like, you could potentially save money when insuring your 1993 Ford Tempo if you clean up your credit.
  • Older drivers save more – Youthful drivers tend to be more careless when behind the wheel so insurance rates are higher. Older, more experienced drivers are shown to be more cautious, cause fewer claims and accidents , and usually have better credit.
  • Buy a safe car and pay less – Vehicles with good safety scores tend to have lower insurance rates. The safest vehicles reduce the chance of injuries and lower injury rates translates directly to fewer claims and thus lower rates. If your Ford Tempo has at least four stars on Safercar.gov you are probably receiving a discount.
  • Deter theft and save money – Buying a car with advanced anti-theft systems can save you some money. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.
  • Women pay lower prices – The statistics show that females take fewer risks when driving. However, this does not mean men are worse drivers. Males and females have fender benders at about the same rate, but males have accidents that have higher claims. Not only that, but men also get ticketed for serious violations such as reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
  • Never have insurance policy lapses – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your insurance lapse for non-payment. And not only will your rates increase, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.

Your auto insurance coverage should be tailored to you

When choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • If my pet gets injured in an accident are they covered?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need replacement cost coverage on my 1993 Ford Tempo?
  • Am I covered if hit by an uninsured driver?
  • I have health insurance so do I need medical payments coverage?
  • Are rock chip repairs covered?
  • What happens if I owe more than my 1993 Ford Tempo is worth?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Are insurance coverage companies telling the truth?

Consumers constantly see and hear ads for the lowest price insurance coverage from companies such as Progressive, Geico, Allstate and State Farm. All the ads make the point that you can save if you get a free car insurance quote and switch your insurance coverage coverage to their company.

How does every company sell you cheaper insurance coverage? This is how they do it.

All companies quote their cheapest rates for the driver that will add to their bottom line. One example of a desirable risk could possibly be a married female, has no driving citations, and drives less than 5,000 miles a year. Any customer who matches those parameters receive the lowest rate quotes and will most likely save quite a bit of money when switching.

Potential customers who fall outside the “perfect” profile must pay higher premiums and this results in the customer not purchasing. The wording the ads use say “people that switch” but not “everyone who gets a quote” save that much when switching. That’s the way companies can truthfully make claims like that.

Different companies use different criteria so it’s extremely important to do a price quote comparison at every renewal. It is just not possible to predict which insurance coverage company will give you the biggest savings.

Insurance coverage considerations

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as repair costs for stationary objects, court costs and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Tempo.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for dental work, funeral costs and surgery. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays for damage to your Tempo caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, hail damage, damage from flooding and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

More quotes. Lower rates.

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. In many cases, an accident victim reduced physical damage coverage and discovered at claim time that they should have had better coverage. Your strategy should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

More affordable car insurance is attainable online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide the ability to get a quote online and many times these small insurance companies provide coverage only through independent agents.

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