Insurance Prices Drop for Ford Tempo Drivers

Trying to find low-cost insurance for a Ford Tempo can turn out to be a lot of work, but you can use these tips to save time.

There is a better way to shop for car insurance and you need to know the quickest way to compare rates for a Ford and obtain the cheapest rates from local insurance agents and online providers.

If you are insured now or are just looking to switch companies, you can follow these tips to shop for the lowest rates and still get good coverage. Buying the lowest cost coverage is easy if you know what you’re doing. Vehicle owners just need to know how to compare rates on the web.

Policy discounts you shouldn’t miss

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don’t even know exist. Some discounts apply automatically when you purchase, but some may not be applied and must be specifically requested prior to getting the savings. If you don’t get every credit available, you’re paying more than you need to.

Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save 5% or more.
Defensive Driver – Taking part in a course in driver safety could save 5% or more if you qualify.
Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Distant Student – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.

Keep in mind that most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. But any discount will cut your overall premium however.

For a list of insurers with the best car insurance discounts, follow this link.

These factors can influence what you pay for Ford Tempo insurance

It’s important that you understand the factors that come into play when calculating the rates you pay for car insurance. Knowing what determines base rates enables informed choices that may reward you with lower car insurance prices. auto insurance

Don’t skimp on liability – Liability coverage is the protection if ever a court rules you are at fault for damages from an accident. It provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
Better credit scores mean better rates – Credit rating is a big factor in your rate calculation. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores. So if your credit rating can use some improvement, you could save money insuring your Ford Tempo by spending a little time repairing your credit.
Rates may be higher depending on your occupation – Did you know your job can affect your rates? Occupations like doctors, executives and accountants have higher rates than average because of high stress and long work hours. On the flip side, occupations like farmers, athletes and performers get better rates for Tempo coverage.
Men fork out a little more – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both are in accidents at a similar rate, but the males cause more damage. They also have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high car insurance rates.

When might I need the advice of an agent?

When it comes to buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can aid in determining if you might need professional guidance.

Should I file a claim if it’s only slightly more than my deductible?
Should I buy additional glass protection?
Should I rate my Ford Tempo as pleasure use or commute?
Do I need PIP (personal injury protection) coverage in my state?
Does my policy pay for OEM or aftermarket parts?
What should my uninsured motorist coverage limits be in my state?
Is rental equipment covered for theft or damage?
Am I covered when driving someone else’s vehicle?
Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Neighborhood insurance agents

Some people would prefer to get advice from a local agent and there is nothing wrong with that. Professional agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing rates online is you can get better rates and still choose a local agent. Buying from local businesses is important particularly in smaller communities.

To find an agent, once you fill out this form (opens in new window), the quote information is instantly submitted to participating agents who will battle to get your business. You won’t need to even leave your home as quotes are delivered to the email address you provide. How cool is that?!

If you wish to view a list of agents in your state to contact, click here.

Selecting an provider should depend on more than just the bottom line cost. Some important questions to ask are:

Are they full-time agents?
If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
What will you get paid if your car is a total loss? How is that amount determined?
How long have they worked with personal auto insurance coverage?
If you have an accident, will your rates go up?

Once you have good answers to these questions in addition to an acceptable price estimate, most likely you have located a company that is a good match to properly insure your vehicles.

More quotes mean more savings

Budget-conscious Ford Tempo insurance can be sourced both online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Insureds switch companies for many reasons like questionable increases in premium, denial of a claim, unfair underwriting practices or even delays in paying claims. Regardless of your reason, choosing a new insurance company can be easier than you think.

We just presented a lot of techniques to get a better price on Ford Tempo insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the best price on car insurance is with the smaller companies.