1991 Ford Tempo Insurance Cost

Want lower insurance rates for your Ford Tempo? Did you make the mistake of buying overpriced insurance? It’s quite common and you are not the only one feeling buyer’s remorse. Online insurance companies like Geico, 21st Century and Progressive constantly blast consumers with ads and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.

If you have a policy now or are shopping for new coverage, you can follow these tips to reduce the price you pay while maximizing coverage. Finding affordable coverage is not that difficult. Drivers just need to know the proper methods to shop their coverage around on the web.

How to find the cheapest insurance coverage

Shopping for lower insurance coverage rates can be a daunting task if you don’t know the easiest way. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use online quoting for quick rates.

All the larger companies participate in an industry program that allows shoppers to submit one quote, and every company returns a rated price determined by their information. This saves time by eliminating quote requests to each company.

To find out what other companies charge click to open in new window.

The one downside to getting quotes like this is that consumers can’t choose which insurance companies you want pricing from. If you prefer to choose specific providers to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

The approach you take is up to you, just ensure you’re using exactly the same coverages and limits with every price quote. If you enter different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Ford Tempo.

Lower your insurance costs

Many factors are part of the calculation when pricing auto insurance. Some are pretty understandable such as your driving record, but other factors are more transparent such as whether you are married or your financial responsibility.An important part of buying insurance is that you know some of the factors that come into play when calculating the rates you pay for insurance. If you know what influences your rates, this enables informed choices that can earn you lower premium levels.

The factors shown below are some of the items used by insurance companies to determine premiums.

• Careless driving leads to higher rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one ticket may increase your cost by as much as thirty percent. Attentive drivers have lower premiums than people who have multiple driving citations. Drivers who have multiple tickets like DUI or reckless driving might be required by their state to complete a SR-22 with their state motor vehicle department in order to legally drive.
• Raising deductibles saves money – Physical damage deductibles define the amount you are required to pay if the claim is covered. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are colliding with a stationary object, hail damage, and damage caused by road hazards. The higher the amount the insured is willing to pay, the less money you will pay for insurance on Tempo insurance.
• Improve your credit history – Your credit history can be a huge factor in determining what you pay. Consumers who have very high credit ratings tend to be more responsible and file fewer claims than drivers with bad credit. If your credit score is lower than you’d like, you may save money insuring your 1991 Ford Tempo if you clean up your credit.
• Stay claim-free and save money – Auto insurance companies give lower rates to insureds who file claims infrequently. If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is designed for more catestrophic claims.
• Low mileage costs less – The higher the mileage driven in a year the more you’ll pay to insure it. Most insurance companies charge rates based upon how you use the vehicle. Vehicles that sit idle most of the time receive lower rates than vehicles that have high annual mileage. An incorrectly rated Tempo can cost quite a bit. It’s a good idea to make sure your insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.

Don’t overlook these insurance coverage discounts

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but occassionally some discounts must be manually applied before you will receive the discount. If you are not receiving all the discounts possible, you could be getting lower rates.

• College Student – Kids who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
• Sign Online – A few insurance coverage companies will provide an incentive for buying your policy over the internet.
• Discount for Life Insurance – Insurance companies who offer life insurance give a break if you buy a life insurance policy as well.
• Telematics Data Discounts – Drivers who agree to allow data collection to monitor driving patterns remotely like Allstate’s Drivewise may see discounts if they show good driving skills.
• Senior Citizen Discount – If you’re over the age of 55, you may qualify for a discount up to 10% on Tempo insurance.
• Good Students Pay Less – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you until age 25.
• Air Bags and Passive Restraints – Factory options such as air bags can get savings of 20% or more.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more.

A little disclaimer on discounts, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, it’s just not the way it works.

A list of companies and their offered discounts can be found below.

• Progressive has savings for homeowner, continuous coverage, online signing, multi-policy, good student, and multi-vehicle.
• SAFECO discounts include homeowner, drive less, bundle discounts, teen safe driver, multi-car, and teen safety rewards.
• American Family offers discounts for good driver, air bags, accident-free, early bird, Steer into Savings, mySafetyValet, and TimeAway discount.
• MetLife policyholders can earn discounts including claim-free, good driver, good student, multi-policy, and defensive driver.
• Geico may have discounts that include five-year accident-free, daytime running lights, membership and employees, emergency military deployment, military active duty, driver training, and air bags.
• The Hartford has discounts for anti-theft, vehicle fuel type, bundle, air bag, good student, and defensive driver.

When comparing rates, check with every prospective company to apply every possible discount. All car insurance discounts might not be offered on policies everywhere.

When to get professional advice

When buying coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation might need professional guidance.

• Does insurance cover damages from a DUI accident?
• Does coverage extend to Mexico or Canada?
• Should I have a commercial auto policy?
• Can I get a multi-policy discount?
• Do I get a pro-rated refund if I cancel my policy early?
• Should I put collision coverage on all my vehicles?
• Are rental cars covered under my policy?
• Who is covered by my policy?
• Am I covered when driving on a suspended license?
• Am I covered if I crash into my own garage door?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Car insurance 101

Understanding the coverages of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on the average car insurance policy.

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

Collision coverage pays for things like rolling your car, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1991 Ford Tempo.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto liability – Liability coverage will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like loss of income, court costs, repair bills for other people’s vehicles, funeral expenses and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, a broken windshield, hitting a bird, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for short-term medical expenses such as hospital visits, chiropractic care and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Make a quick buck

As you quote insurance, make sure you don’t buy poor coverage just to save money. In many instances, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at the best cost and still be able to protect your assets.

Some companies may not offer price quotes online and usually these smaller companies only sell through local independent agencies. More affordable insurance coverage is possible online as well as from insurance agents, so you need to compare both to have the best rate selection.

More information is located at the links below

• Senior Drivers (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)