How Much Does 1991 Ford Tempo Insurance Cost?

Trying to find cheaper insurance rates for your Ford Tempo? If you are new to getting auto insurance quotes online, you can easily be overwhelmed by the large number local agents and online companies all claiming to save you money.

Save money with these tips

The best way to find cheaper auto insurance is to take a look at some of the things that come into play when calculating the level of your policy premiums. If you have some idea of what determines premiums, this allows you to make good choices that can earn you lower rates. Lots of factors are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but other factors are more obscure such as whether you are married or how safe your car is.

The itemized list below are some of the most rate-impacting factors used by insurance companies to determine your rate level.

• Do you know your coverage deductibles? – Comp and collision deductibles define how much you are required to spend out-of-pocket if the claim is covered. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Some examples of covered claims would be collision with another vehicle, collision with a deer, and having a roll-over accident. The more you pay before a claim is paid (deductible), the lower your rates will be on Tempo coverage.
• Combine policies with the same company – Lots of companies apply better rates to insureds who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to shop around to verify if the discount is saving money. Consumers may find better rates by splitting coverages up.
• Stress out and pay more – Do you have a high-stress occupation? Occupations like real estate brokers, business owners and dentists tend to pay higher rates than average because of stressful work requirements and long work days. Conversely, jobs like professors, students and performers pay the least on Tempo coverage.
• Premiums are lower the older you get – Teen drivers tend to be inattentive and easily distracted behind the wheel and because of this, their auto insurance rates are much higher. If you’ve ever had to add a teen driver to your auto insurance policy will cause a huge premium hike. Older drivers have been proven to be more responsible, file fewer claims and receive fewer citations.

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Car insurance policy discounts you can’t miss

Buying car insurance is not cheap, but you can get discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be asked for before you will receive the discount.

• Drivers Education – Teen drivers should enroll and complete driver’s education in high school.
• Lower Rates for Military – Being on active deployment in the military could qualify you for better rates.
• Bundled Policy Discount – When you combine your auto and homeowners insurance with the same insurance company you will save up to 20% and get you inexpensive auto insurance.
• Pay Upfront and Save – By paying your entire bill at once as opposed to paying monthly you can actually save on your bill.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.
• Own a Home and Save – Just owning your own home can earn you a little savings because owning a home is proof that your finances are in order.
• Defensive Driver Discount – Passing a course teaching safe driver skills could save 5% or more and make you a better driver.
• Paperwork-free – A handful of car insurance companies will give a small break for buying your policy digitally online.
• Telematics Devices – Drivers who elect to allow driving data submission to look at their driving habits through the use of a telematics system such as Progressive’s Snapshot might see lower rates as long as they are good drivers.
• Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.

A quick disclaimer, most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

Popular car insurance companies and a summarized list of policyholder discounts are:

• Geico policyholders can earn discounts including daytime running lights, multi-policy, anti-theft, military active duty, air bags, federal employee, and five-year accident-free.
• MetLife discounts include accident-free, defensive driver, multi-policy, good driver, good student, claim-free
• Progressive offers discounts for multi-vehicle, multi-policy, online signing, continuous coverage, and good student.
• Travelers has savings for hybrid/electric vehicle, multi-car, payment discounts, student away at school, new car, early quote, and continuous insurance.
• SAFECO includes discounts for teen safety rewards, anti-theft, multi-car, safe driver, and bundle discounts.
• AAA may include discounts for good student, multi-car, education and occupation, good driver, and AAA membership discount.

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts may not apply to policyholders everywhere. To see a list of providers that offer discounts, click this link.

Advertising and car insurance

Progressive, Allstate and Geico continually stream ads in print and on television. All the companies make the same claim about saving some big amount if you move to their company. How do they all sell you cheaper insurance coverage? Just pay attention to how they say it.

Companies have specific guidelines for the right customer that makes them money. For example, a profitable risk profile could be married and over the age of 30, owns their home, and has great credit. A propective insured that hits that “sweet spot” may get the lowest premium rates and most likely will save when they switch companies.

Insureds who don’t qualify for these stringent criteria will be charged a more expensive rate which results in the driver buying from a lower-cost company. The ads state “people who switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way insurance companies can lure you into getting a quote. Each company has different criteria, so you need to compare free auto insurance quotes often. It’s just not possible to know which company will have better rates than you’re paying now.

Insurance agents can help

When buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions might point out whether your personal situation would benefit from professional advice.

• Can I get a multi-policy discount?
• If my 1991 Ford Tempo is totaled, can I afford another vehicle?
• Exactly who is provided coverage by my policy?
• How high should my medical payments coverage be?
• If I drive on a suspended license am I covered?
• What is the rate difference between pleasure use and commuting?
• Which is better, split liability limits or combined limits?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

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Information about specific coverages

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

This will pay to fix damage to your Tempo resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, colliding with another moving vehicle, crashing into a building, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

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

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from getting keyed, theft, rock chips in glass and hitting a deer. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses for things like ambulance fees, rehabilitation expenses, dental work and hospital visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, structural damage and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Quote often and quote early

Discount 1991 Ford Tempo insurance can be found from both online companies and from local agencies, so you should compare both to have the best chance of lowering rates. A few companies may not have rate quotes online and these regional carriers sell through independent insurance agents.

We covered many ways to compare 1991 Ford Tempo insurance car insurance rates online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small local company.

Consumers who switch companies do it for any number of reasons including poor customer service, unfair underwriting practices, policy cancellation and not issuing a premium refund. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.

Helpful learning opportunities

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• Parking Tips to Reduce Door Dings (State Farm)
• What is Covered by GAP Insurance? (Allstate)
• Determing Auto Insurance Rates (Geico)

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