1994 Ford Tempo Car Insurance Cost

If you’re trying to find more affordable insurance, are you intimidated by the wide range of auto insurance providers that you can choose from? You’re not alone. You have so many options that it can easily become a ton of work to compare auto insurance rates.

If you currently have car insurance, you will be able to cut costs considerably using these tips. The purpose of this post is to help you learn the best way to quote coverages and some tricks to saving. Nevertheless, car owners do need to know how companies market insurance on the web and take advantage of how the system works.

More affordable rates by getting discounts

Companies don’t always list every available discount in a way that’s easy to find, so here is a list both the well known and also the lesser-known credits available to bring down your rates. If they aren’t giving you every credit available, you are not getting the best rate possible.

• Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts could save 15% off the PIP or medical payment premium.
• Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
• Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% on Tempo coverage than drivers with accident claims.
• Homeowners Discount – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
• Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.
• Early Switch Discount – Select companies give a discount for renewing your policy before your current expiration date. You could save around 10% when you buy auto insurance online.
• Drive Less and Save – Driving fewer miles may allow you to get slightly better auto insurancerates than normal.
• Driver Training Discounts – Taking time to complete a defensive driver class could cut 5% off your bill and also improve your driving technique.
• Employee of Federal Government – Being employed by or retired from a federal job could qualify for a slight premium decrease on Tempo coverage with certain companies.
• Discounts for Multiple Vehicles – Buying a policy with more than one vehicle with one company may reduce the rate for each vehicle.

A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you could get a free auto insurance policy, you aren’t that lucky.

Some of the insurance companies that may offer these benefits may include but are not limited to:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Double check with all companies you are considering how many discounts you can get. Savings may not be offered everywhere.

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Informed consumers save money

When buying insurance coverage it’s important to understand some of the things that play a part in calculating insurance coverage rates. If you have some idea of what controls the rates you pay, this helps enable you to make changes that can help you get much lower annual insurance costs.

The following are some of the most common factors companies use to determine your prices.

• Never have insurance coverage policy lapses – Not having insurance is against the law and any future policy may cost more because you let your coverage have a gap. And not only will your rates increase, being ticketed for driving with no insurance can result in a fine, jail time, or a revoked license. You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
• Infrequent drivers can save – The more you drive annually the more you will pay for insurance coverage. Most insurance companies rate vehicles based upon how the vehicle is primarily used. Autos not used for work or commuting get more affordable rates compared to those used for work or business. It’s a good idea to make sure your policy is rated on the right rating data, because improper ratings can cost you money. Having the wrong rating on your Tempo may be costing you higher rates.
• Teenagers are high risk – Older insureds tend to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.Beginning drivers have been known to get distracted easily behind the wheel and because of this, their insurance coverage rates are much higher.
• Certain employers raise prices – Did you know your insurance coverage rates can be affected by your occupation? Jobs like lawyers, business owners and miners tend to have higher premiums than the average policyholder due to high stress levels and long work hours. On the other hand, careers such as professors, students and homemakers get better rates on Tempo coverage.

Your insurance coverage should be tailored to you

When choosing coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

• When should I drop full coverage on my 1994 Ford Tempo?
• Do I pay less if my vehicle is kept in my garage?
• Do I need rental car coverage?
• What is covered by UM/UIM coverage?
• How high should my medical payments coverage be?
• How high should my uninsured/underinsured coverage be in my state?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Why am I required to buy liability insurance?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What are the financial responsibility laws in my state?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Save $429 a year? Really?

Companies like Geico, State Farm and Progressive consistently run television and radio advertisements. All the companies make the point about saving some big amount if you move your coverage. How does every company charge less that you’re paying now? This is the way they can do it.

Most companies have strict underwriting profiles for the type of customer that earns them the highest profit. For example, this type of insured should be a female over age 40, has never had a policy lapse, and the vehicle is rated for pleasure use. Any person who fits that profile will get very good prices and will save a lot if they switch.

Potential insureds who may not quite match these stringent criteria will probably be forced to pay more expensive rates with the end result being the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers that switch” not “all people who quote” save that much when switching. That’s the way companies can make those claims.

This illustrates why it’s extremely important to get price quotes at each policy renewal. Because you cannot predict with any certainty which company will provide the lowest premium rates.

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Specifics of your insurance policy

Knowing the specifics of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Auto collision coverage

Collision insurance covers damage to your Tempo resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses such as funeral costs, ambulance fees, rehabilitation expenses, X-ray expenses and surgery. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 1994 Ford Tempo.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. 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, hitting a deer and rock chips in glass. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability

This coverage will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as court costs, legal defense fees, attorney fees and repair costs for stationary objects. How much coverage you buy is up to you, but buy as large an amount as possible.

Final thoughts

We covered some good ideas how to shop for 1994 Ford Tempo insurance online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the most savings is with some of the smallest insurance companies.

Cheaper 1994 Ford Tempo insurance can be purchased from both online companies and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not provide rates over the internet and usually these smaller providers provide coverage only through independent insurance agents.

When shopping online for car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, an insured cut full coverage only to find out that they should have had better coverage. Your objective should be to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

Much more information about car insurance is available below:

• Child Safety Seats (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)

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