1993 Ford Tempo Car Insurance Quotes

Trying to find lower insurance rates for your Ford Tempo? Feel like you’re a prisoner to high-priced insurance? Believe me, there are many people just like you.

With consumers having so many choices of insurance companies, it can be impossible to pick the most cost effective insurance company.

The purpose of this post is to familiarize you with the best way to quote coverages and some money-saving tips. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. But car owners must comprehend how insurance companies price online insurance and take advantage of how the system works.

Auto Insurance Comparisons

To find the best auto insurance prices, there are several ways of comparing price quotes from auto insurance companies in your area. One of the best ways to find competitive 1993 Ford Tempo insurance rates is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

1. One of the best ways consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do multiple quote forms for each company you want a rate for. A single form will return price quotes from several companies.
2. A more difficult way to analyze rates requires you to visit the website of each company and complete a new quote form. For examples sake, let’s assume you want to compare rates from Progressive, Geico and State Farm. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

However you get your quotes, make sure you use identical coverages and limits for every quote you compare. If you have different values for each quote it will be next to impossible to make a fair comparison for your Ford Tempo. Having just a slight variation in limits can result in a big premium difference. And when comparison shopping, more quotes will increase your chances of finding better pricing.

Tailor your coverage to you

When choosing adequate coverage, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you might need professional guidance.

• I have good health insurance, so how much medical payments coverage do I need?
• Is motorclub coverage worth it?
• Can I rate high risk drivers on liability-only vehicles?
• What happens if I owe more than my 1993 Ford Tempo is worth?
• Why does it cost so much to insure a teen driver?
• Does my insurance cover a custom paint job?
• Are my friends covered when driving my car?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Specific coverages for a Ford Tempo

Having a good grasp of car insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most car insurance policies.

Collision coverage protection

Collision insurance pays for damage to your Tempo resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, backing into a parked car, driving through your garage door, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Liability coverage

This will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. 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. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, vandalism and damage from flooding. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for prosthetic devices, funeral costs and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.