Cheaper 1991 Ford Tempo Insurance Quotes

Looking for better insurance coverage rates for your Ford Tempo? Having to pay for overpriced insurance coverage can overdraw your checking account and put a big crunch on your finances. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.

Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to get the lowest price

If you currently have car insurance, you will most likely be able to save some money using these methods. Buying car insurance is quite easy. Nevertheless, drivers need to learn how the larger insurance companies price online insurance.

More discounts equal less premium

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. Some trigger automatically when you complete an application, but a few must be inquired about prior to receiving the credit.

  • Own a Home – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Accident Waiver – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will help reduce the amount you have to pay.

For a list of companies with the best car insurance discounts, click this link.

Why you might be paying too much to insure your Ford Tempo

It’s important that you understand some of the elements that go into determining the rates you pay for insurance. Understanding what controls the rates you pay enables informed choices that could result in big savings.

Listed below are a few of the “ingredients” insurance companies consider when setting premiums.

  • Proper usage rating affects rates – Driving more miles each year the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates than those used for commuting. If your policy improperly rates your Tempo may be costing you. Double check that your insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
  • What are your deductibles? – Physical damage deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims would be running into the backend of another car, damage from fire, or theft. The more money you’re willing to pay, the bigger discount you will receive on Tempo coverage.
  • Your age impacts your rates – Teenage drivers are statistically proven to be more careless in a vehicle so they pay higher insurance rates. Mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
  • Discounts for multiple policies – The majority of insurers provide better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount you still need to shop around to ensure the best deal. Consumers may find a better deal by insuring with multiple companies.
  • No coverage gaps is important – Allowing your insurance policy to lapse will be a guaranteed way to trigger a rate increase. Not only will you pay more, getting caught without coverage may earn you a steep fine or even jail time.

It’s not one size fits all

When buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help you determine whether or not you might need professional guidance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does liability extend to a camper or trailer?
  • What is the ISO rating for a 1991 Ford Tempo?
  • Are rental cars covered under my policy?
  • Do I need an umbrella policy?
  • Should I bundle my homeowners policy with my auto?
  • Which companies will insure high-risk drivers?
  • Am I covered when delivering products for my home-based business?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverages for a Ford Tempo

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 1991 Ford Tempo.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Collision coverage protection

This will pay to fix damage to your Tempo resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as rolling your car, hitting a mailbox, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, damage from getting keyed and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as funeral costs, dental work, chiropractic care and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This coverage can cover damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like repair costs for stationary objects, legal defense fees, funeral expenses, bail bonds and pain and suffering. How much coverage you buy is up to you, but you should buy higher limits if possible.

In the end, you save

You just learned a lot of techniques to lower your 1991 Ford Tempo insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from a small mutual company. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an insured dropped liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Affordable insurance is available both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

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