Save on 1994 Ford Tempo Car Insurance Quotes

Want lower insurance rates for your Ford Tempo? Are you a victim of an underperforming, overpriced insurance policy? Trust us when we tell you there are many people just like you. Online insurance companies like GEICO, Progressive and Allstate continually bombard you with catchy ads and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

Insurance quotes comparison

Shopping for lower insurance rates can be exhausting if you aren’t aware of the easiest way. You could spend the better part of a day talking to agents in your area, or you can utilize online quoting for quick rates.

All the larger companies belong to a marketplace that allows shoppers to enter their coverage request one time, and every company returns a competitive quote determined by their information. This saves time by eliminating repetitive form submissions to each individual insurance company. To submit your quote information now, click to open in new window.

The single downside to doing it this way is that consumers can’t choose which carriers you will receive quotes from. So if you want to choose specific providers to compare prices, we have a listing of low cost insurance companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, ensure you’re using the same information for each comparison quote. If you compare higher or lower deductibles it will be nearly impossible to make a fair rate comparison.

Verify you’re applying every discount

Some insurers do not list every available discount in a way that’s easy to find, so we took the time to find some of the best known and also the more inconspicuous credits available to you.

  • Multi-line Discount – Larger insurance carriers have a small discount if you purchase a life insurance policy as well.
  • Paper-free Discount – A few larger online companies will give you a small discount for buying your policy on the web.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save 10% or more off the personal injury premium cost.
  • Accident Forgiveness – Not necessarily a discount, but companies like GEICO and Liberty Mutual will let one accident slide without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
  • Passive Restraints – Factory options such as air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount and also improve your driving technique.

Just know that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of car insurance companies that have a full spectrum of discounts, click here.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out whether you may require specific advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • How high should my medical payments coverage be?
  • Will my insurance pay for OEM parts?
  • If I drive on a suspended license am I covered?
  • Is there coverage for injuries to my pets?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I drive in Mexico and have coverage?
  • How much can I save by bundling my policies?
  • What can I do if my company denied a claim?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Ford Tempo.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, theft, falling objects and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability

This coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like pain and suffering, medical services, legal defense fees, bail bonds and attorney fees. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for EMT expenses, funeral costs and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Final considerations

When you buy insurance coverage online, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

The cheapest 1994 Ford Tempo insurance is attainable on the web in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies don’t offer online rate quotes and many times these regional carriers prefer to sell through local independent agents.

To learn more, feel free to browse these articles: