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Ford Tempo Insurance Cost

Shopping for auto insurance through online rate quotes is easy and there is a good chance you may find lower rates. The key is to get rates from as many companies as possible in order to have all possible prices.

Consumers not familiar with shopping for insurance may think finding cut-rate Tempo insurance is going to be difficult. Finding cheaper coverage prices can be surprisingly simple. All you need to do is take the time to compare quotes from different insurance companies. This is very easy and can be done by comparing rates here.

FREE Car Insurance Comparison

Insurance premiums for your Ford Tempo can fluctuate considerably based upon several criteria. Some of these factors include:

  • Your driving record
  • Credit rating impacts rates
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Safety rating of your Tempo
  • Whether or not you have claims
  • Having current coverage saves
  • Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older Ford models so repair costs are higher which may result in higher rates. On the flip side, newer models have more advanced features like lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which may lower rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability

Liability insurance protects you from damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision protection

Collision coverage pays for damage to your Ford resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper Tempo insurance cost.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. PIP is not available in all states and gives slightly broader coverage than med pay.

How Much are Ford Tempo Insurance Rates?