View 1993 Ford Tempo Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Don’t sweat it because you’re not the only one.

Due to the fact that there are so many options, it’s nearly impossible to pick the cheapest company.

It’s smart to take a look at other company’s rates as often as possible because prices are variable and change quite frequently. Just because you had the lowest rates on Tempo insurance last year you can probably find a better premium rate now. Block out anything you think you know about car insurance because you’re about to learn the fastest and easiest way to find better coverage at a better price.

Auto insurance quotes comparison

When shopping for auto insurance there are multiple ways of comparing rates from many available auto insurance companies in your state. The best method to comparison shop is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

1. The single most time-saving way to find low rates is a comparison rater form (click to open form in new window). This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. In just a few minutes this one form gets coverage cost estimates from multiple companies.
2. A less efficient way to compare prices is spending the time to visit the website for each individual company to complete their respective quote request forms. For instance, we’ll assume you want to see prices from Nationwide, Liberty Mutual and State Farm. To get each rate you have to spend time going to each site individually and punch in your information repeatedly, which explains why we recommend starting with the first method.

   For a handy list of car insurance company links in your area, click here.

3. The most time-consuming way to compare price quotes is driving to each insurance agency near you. The internet can eliminate the need for a local agent unless you want the professional assistance of a local agent. However, consumers can comparison shop your insurance online and still use a local agent.

You can use whichever method you prefer to find lower rates, just be certain you are entering the exact same coverages and limits with each company. If you compare different limits and deductibles on each one you can’t possibly truly determine the lowest rate. Even a minor difference in insurance coverages or limits can make a big difference in price. And when comparison shopping, quoting more helps improve the odds of finding the best offered rates. Not every company allows you to get online rate quotes, so you need to compare price quotes from them, too.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation might need professional guidance.

• What is covered by UM/UIM coverage?
• Am I covered if I wreck a rental car?
• Is my 1993 Ford Tempo covered for flood damage?
• Is my Ford Tempo covered if I use it for business?
• Is other people’s property covered if stolen from my vehicle?
• Do I pay less if my vehicle is kept in my garage?
• Can my babysitter drive my car?
• Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Coverages available on your policy

Having a good grasp of your car insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from car insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like dental work, EMT expenses and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage pays for damage to your Tempo resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, crashing into a ditch, driving through your garage door, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Ford Tempo.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

Comprehensive insurance coverage pays for 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 insurance covers things like damage from getting keyed, damage from a tornado or hurricane, hitting a bird and vandalism. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other people or property. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, legal defense fees, loss of income, medical services and medical expenses. How much liability should you purchase? That is up to you, but buy higher limits if possible.