Compare 1993 Ford Tempo Insurance Quotes

Nobody fancies paying their premiums for insurance, particularly when their premiums are too high.

You have multiple auto insurance companies to pick from, and though it is a good thing to have a choice, too many choices makes it more difficult to compare rates and find the lowest cost insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. Essentially anyone who buys car insurance will more than likely be able to reduce their rates. Although vehicle owners need to have an understanding of the way insurance companies determine prices because it can help you find the best coverage.

Pay discount rates with these discounts

Insurance can cost an arm and a leg, but there could be significant discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but less common discounts must be specially asked for prior to receiving the credit. If you check and find you aren’t receiving every discount you qualify for, you could be saving more on your car insurance.

  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more off the medical payments premium.
  • Government Employees – Active or former government employment may qualify for a discount when you quote auto insurance on Tempo coverage depending on your car insurance provider.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems could see savings up to 30%.
  • Distant College Student Discount – Any of your kids living away from home attending college and do not have access to a covered vehicle could qualify for this discount.
  • Driver Safety – Passing a defensive driving course could save 5% or more and make you a better driver.
  • Accident-Free Discounts – Insureds with no claims or accidents can earn big discounts as opposed to frequent claim filers.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
  • Mature Driver Discount – If you qualify as a senior citizen, you may receive lower premium rates on Tempo coverage.
  • Multi-Vehicle Discounts – Buying insurance for several vehicles on one policy can get a discount on all vehicles.
  • Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.

A little disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. Even though the math looks like you can get free auto insurance, that’s just not realistic.

If you would like to choose from a list of insurers that offer multiple discounts, click here to view.

The easiest way to compare policy rates is to know the trick all the major auto insurance companies provide online access to quote your coverage. The only thing you need to do is provide details such as if it has an anti-theft system, the make and model of your vehicles, what your job is, and if you have an active license. That rating information is then submitted to multiple top-rated companies and you should receive rate quotes with very little delay.

Your situation helps dictate your coverage

When buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. For example, these questions can help discover whether you might need an agent’s assistance.

  • Am I getting all the discounts available?
  • Can I get a multi-policy discount?
  • Why do I only qualify for high-risk insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Who is covered by my policy?
  • Should I sign the liability waiver when renting a car?
  • At what point should I drop full coverage?
  • Does medical payments coverage apply to all occupants?
  • How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverages and their meanings

Learning about specific coverages of car insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most car insurance policies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like ambulance fees, surgery, dental work and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Collision protection

This covers damage to your Tempo caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, colliding with another moving vehicle, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Tempo.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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 values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a deer, fire damage and hail damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

In the end, you save

In this article, we presented a lot of techniques to save on 1993 Ford Tempo insurance. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the best prices are with a small mutual company. These companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

Budget-friendly insurance coverage is available both online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not have rate quotes online and usually these small, regional companies provide coverage only through local independent agents.

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