No one in their right mind likes having to buy car insurance, especially knowing their premiums are through the roof. Because you have many options when it comes to car insurance, it can be hard to pick the right provider.
How to Get Car Insurance
Most major insurance companies like State Farm, Allstate and GEICO give pricing directly from their websites. This process is quite easy as you just type in your coverage information into the quote form. When complete, their system requests your driving record and credit report and generates a price. Online quotes streamlines rate comparisons, but the process of having to visit a lot of sites and complete many quote forms is monotonous and tiresome. But it’s very important to get many rate quotes if you are searching for the lowest price.
A more efficient way to find lower prices uses one simple form that gets price quotes from many companies. It saves time, helps eliminate reptitive entry, and makes quoting online much more efficient. After sending the form, your coverage is rated and you can select any of the quotes that you receive. If the quotes result in lower rates, you can click and sign and buy the new coverage. This process takes 15 minutes at the most and you’ll know if lower rates are available.
In order to use this form to compare rates, click here and enter your information. If you have your current policy handy, we recommend you copy the limits and deductibles as shown on your current policy. This makes sure you are getting a fair comparison for exact coverage.
Are car insurance companies telling the truth?
Drivers can’t ignore all the ads for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. All the companies say the same thing that you can save after switching your coverage to them.
But how can every company say the same thing?
All the different companies have a certain “appetite” for the type of customer that makes them money. For example, a profitable customer might be between 30 and 50, has no driving citations, and has great credit. A propective insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.
Potential customers who are not a match for these standards will be quoted higher prices which leads to the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently state the savings. This emphasizes why you need to get a wide range of price quotes. Because you never know which car insurance company will give you the biggest savings.
Discounts are great for lower rates
Companies that sell car insurance don’t list all available discounts very well, so here is a list some of the more common as well as the least known car insurance savings. If you don’t get every credit possible, you are throwing money away.
- Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.
- Good Student Discount – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
- Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Senior Discount – If you’re over the age of 55, you may receive better car insurance rates on Tempo insurance.
- New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
- Auto/Home Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.
- No Charge for an Accident – A handful of insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
- Club Memberships – Belonging to a qualifying organization could trigger savings on your policy on Tempo insurance.
- Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
- Distant Student – Any of your kids who live away from home and do not have a car may qualify for this discount.
It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.
For a list of companies with the best car insurance discounts, follow this link.
What about using a local agent?
A small number of people would prefer to visit with an insurance agent and that is OK! Insurance agents are trained to spot inefficiencies and help file insurance claims. The best thing about comparing insurance prices online is that you can obtain the lowest rates but still work with a licensed agent.
Once you complete this short form, your insurance data is immediately sent to local insurance agents who will battle for your business. There is no need to leave your computer since price quotes are sent to your email. How cool is that?!
Deciding on an provider requires more thought than just the price. These questions are important to ask:
- How long has their agency been in business?
- What insurance company do they write the most business with?
- Which insurance companies are they affiliated with?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- If they are an independent agency, which companies do they recommend?
- Which members of your family are coverage by the policy?
To contact a specific insurance agent in your state, click here.
Upon receiving satisfactory answers to these questions and locked in a price quote, you have narrowed it down to an insurer that is a good match to provide car insurance coverage.
What is the best insurance coverage?
When it comes to choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can help discover if your insurance needs may require specific advice.
- Should I buy more coverage than the required minimum liability coverage?
- How can I get high-risk coverage after a DUI?
- Is business property covered if stolen from my car?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Who is covered when they drive my Ford Tempo?
- What companies insure drivers after a DUI or DWI?
- Am I covered if I drive in a foreign country?
- What is high-risk coverage and where do I buy it?
- How much liability coverage do I need in my state?
If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Specific coverages for a Ford Tempo
Learning about specific coverages of car insurance aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things such as a broken windshield, fire damage, vandalism and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as chiropractic care, surgery, dental work and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Liability auto insurance
This will cover damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for things like court costs, pain and suffering and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Collision insurance
This coverage covers damage to your Tempo resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like crashing into a building, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Best coverage at the best price
The cheapest Ford Tempo insurance is available on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
We’ve covered some good ideas how you can reduce Ford Tempo insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from the smaller companies. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.
