1994 Ford Tempo Insurance Cost – 10 Ways to Save

Trying to find cheaper insurance coverage rates for your Ford Tempo? No one in their right mind loves paying for insurance coverage, especially when they know the price is too high. Because you have many options, it’s difficult to pick the lowest cost insurance coverage provider.

Smart consumers take time to get comparison quotes occasionally because rates are usually higher with each renewal. If you had the lowest rate on Tempo insurance at your last renewal the chances are good that you can find a lower price today. Ignore everything you know about insurance coverage because we’re going to show you the fastest way to save on insurance coverage.

Finding affordable coverage is quite easy. If you have a policy now or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. Drivers just need to understand the proper way to find the lowest price online.

The cheapest insurance coverage quotes

Effectively comparing insurance coverage prices can take time and effort if you don’t utilize the fastest way to get free quotes. You can waste hours talking to insurance agencies in your area, or you could use the internet to get the quickest rates.

Most major companies participate in a marketplace that allows shoppers to submit one quote, and each participating company then gives them pricing for coverage. This prevents consumers from doing repetitive form submissions for every insurance coverage company.

To find out how much you’re overpaying now click to open in new window.

The only downside to pricing coverage this way is buyers cannot specifically choose which insurance companies you want pricing from. So if you want to choose specific providers to request quotes 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 try to keep apples-to-apples information for each price quote. If you are comparing higher or lower deductibles it will be nearly impossible to make a fair comparison for your Ford Tempo.

What insurance coverages do I need?

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • Is a fancy paint job covered?
  • How do I file an SR-22 for a DUI in my state?
  • Is my trailer covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What happens if I owe more than my 1994 Ford Tempo is worth?
  • Which companies will insure high-risk drivers?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Auto insurance coverage information

Understanding the coverages of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on most auto insurance policies.

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like structural damage, attorney fees, funeral expenses, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Tempo.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for bills like funeral costs, EMT expenses, rehabilitation expenses, prosthetic devices and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance covers damage to your Tempo from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, hitting a parking meter, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, damage from getting keyed, hitting a deer and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Comments About 1994 Ford Tempo Insurance

  1. Vernia Osborn

    I’m just west of Houston, TX. Quoted prices online for a 1994 Ford Tempo. Ended up at about $110 savings annually. Went with GEICO. BTW speeding tickets are not good. Not sure about claim service. Not worth enough to pay for comprehensive and collision.

  2. Teressa Bruce

    I live north of Albuquerque, NM. Quoted quotes from Western Auto Insurance, Amica, Liberty Mutual, and Safeco for my Tempo and saved about $110 a year. I don’t insure for physical damage though.

  3. Augusta Parsons

    Will State Farm do a SR22 in Colorado?

  4. Lani Jarvis

    I can’t pay high rates. I’m in Charlotte, NC. Quoted with State Farm, Encompass, and GMAC for my 1994 Ford Tempo and saved about $100 a year. Insured with Farmers before. I used their website to get prices. Anyone else drop full coverage?

  5. Racquel Roach

    Will Allstate give discounts for good grades?

  6. Bret Good

    Will State Farm cancel if I have a claim?

  7. Marcie Hurst

    If you have a good history and are close to Rapid City, SD, check out GEICO. They seem to be cheaper. I have a couple other vehicles on the policy. Not sure if rates are cheaper online or through an agent. I think I’ll get rid of full coverage next time.

  8. Rosaura King

    I’ve bought from Progressive forever. Cheapest rates in Albuquerque, New Mexico.

  9. Genesis Olson

    Thanks for putting this site together. From northwest of Great Falls, MT. I quoted with Hartford, Auto-Owners, Safeco, and a couple others for my Ford and saved just over $100 a year. Left Erie to switch. Hardly afford to drive anymore. I only have liability coverage on it.

  10. Lucio Sandoval

    I’ve had GEICO for years. I’m in Green Bay, WI.

  11. Adriene Sharpe

    I switched to Progressive. Quoted good rates in Paterson, NJ. Good multi-policy discounts. Not sure about claim service.

  12. Clelia Abbott

    From northwest of Warren, Michigan. I got free prices from Progressive, Auto-Owners, and Encompass for my 1994 Ford Tempo and saved around $110 a year. Have a couple speeding tickets too.

  13. Carlene Mejia

    I found affordable 1994 Ford Tempo insurance from State Farm in Dallas, TX.

  14. Kareem Alvarez

    I live just outside Idaho Falls, ID. I don’t recall every quote but I ended up saving about $20 each month. I don’t insure for physical damage though.

  15. Emilie Atkins

    I’m in Kansas City, Kansas. Compared rates from a lot of places. Saved about $20 a month. 21st Century was the best choice for me. Moved home policy as well. Next renewal I’ll just do liability.

  16. Christiana Dotson

    Live in Bridgeport, CT. Not sure of all the companies but I ended up saving about $30 each month. Insured with Western Auto Insurance before. I don’t insure for physical damage though.