How to Reduce Your Ford Tempo Car Insurance Rates

Buyers have options when searching for the lowest priced Ford Tempo insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to compare rates. There are more efficient ways to shop for car insurance so we’re going to tell you the proper way to get price quotes on a Ford and get the lowest price from both online companies and local agents.

Finding a better price on car insurance is surprisingly easy. Consumers just need to take a couple of minutes comparing rate quotes to see which company has . Shoppers can get rates in several different ways.

1. Without a doubt, the easiest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This style of form saves time by eliminating separate quotes for each price estimate. Taking the time to complete one form gets insurance cost estimates from all major companies. It’s the fastest way to compare.
2. A slightly less efficient method to compare rate quotes consists of going to each company’s website and fill out their own quote form. For instance, let’s assume you want to get rates from USAA, GEICO and American Family. You would have to navigate to each company’s site and type in your information over and over, which is why first method is reommended.

   To view a list of companies in your area, click here.

3. The most difficult method to compare price quotes is physically going to local insurance agencies. Comparing rates online has made agencies unnecessary unless you want the professional advice only provided by licensed agents. You can, however, compare online quotes but buy from a local insurance agent.

It’s up to you which method you use, but ensure you’re using nearly identical quote information on every quote you get. If the quotes have unequal deductibles or liability limits you will not be able to determine which rate is truly the best.

The ad said I’d save $415 a year!

Consumers constantly see and hear ads that promise big savings by Allstate and Progressive. They all seem to tend to make the same promise about saving some big amount if you just switch your coverage.

How is it possible that every company can make the same claim? This is how they do it.

Different companies require specific criteria for the type of insured they prefer to insure. For instance, this type of driver might be described as a married female, has no tickets, and drives a car with an anti-theft system. A driver who matches that profile will get low prices and have a good chance to save quite a bit of money when switching.

Drivers who fall short of this stringent profile will probably have to pay higher rates which leads to the prospect going elsewhere. The ads say “drivers that switch” not “everyone that quotes” save that much. That is how companies can make it sound like they have such great prices. Because each company has a different risk profile, it’s extremely important to compare price quotes frequently. It’s impossible to know the company that will have better premium rates than you’re paying now.

Components of Your Ford Tempo Insurance Premiums

It’s important that you understand the factors that help calculate your policy premiums. If you have some idea of what impacts premium levels, this allows you to make educated decisions that can help you get big savings.

• Driving citations increase prices – Your driving record impacts your car insurance rates tremendously. Having a single speeding ticket or other violation can bump up the cost by twenty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous tickets such as DWI, reckless driving or hit and run convictions may find that they have to to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.
• Do you really need to file that insurance claims? – Companies give the lowest premiums to insureds who file claims infrequently. If you’re an insured who likes to file claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your car insurance is intended for larger claims.
• Costs also based on gender – The statistics show that men are more aggressive behind the wheel. However, this does not mean males are worse at driving than females. Both genders tend to get into fender benders at about the same rate, but the men tend to have more serious accidents. Men also statistically get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Miles impacts costs – Driving more miles each year the more you’ll pay to insure it. A lot of insurance companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage receive better premium rates than vehicles that have high annual mileage. Ask your agent if your car insurance coverage is rated on the proper vehicle usage, because it can save money. Incorrect rating for your Tempo can cost quite a bit.
• Car and home together may be cheaper – Some insurers will give a discount for people that have more than one policy in the form of a multi-policy discount. This can amount to ten or even fifteen percent. Even though this discount sounds good, it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible.
• Vehicle features that cut rates – Choosing a vehicle that has a built-in theft deterrent system can help bring down rates. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms all aid in stopping your car from being stolen.
• Employer stress can affect prices – Did you know your car insurance rates can be affected by your occupation? Occupations such as judges, social workers and stock brokers are shown to have the highest average rates attributed to high stress levels and lots of time spent at work. Conversely, careers such as scientists, athletes and retirees receive lower rates on Tempo coverage.

Do you qualify for discounts?

Car insurance companies don’t always list every possible discount in an easy-to-find place, so we break down some of the best known as well as the least known credits available to bring down your rates.

• Claim-Free Discount – Insureds with no claims or accidents pay less compared to frequent claim filers.
• Homeowners Pay Less – Just owning your own home may earn you a small savings because it is proof that your finances are in order.
• Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
• One Accident Forgiven – This one is not really a discount per se, but some companies like Allstate and State Farm allow you one accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% on medical payment and PIP coverage.
• Low Mileage – Driving less could qualify for lower prices on the low mileage vehicles.
• Savings for New Vehicles – Insuring a new car can save up to 30% due to better safety requirements for newer models.
• Defensive Driver – Taking time to complete a defensive driver course could save 5% or more and easily pay for the cost of the class.
• Telematics Data Discounts – Drivers that enable their company to track their driving habits by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as they are good drivers.

A little disclaimer on discounts, most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride. Any amount of discount will definitely reduce your premiums.

To find insurance companies that provide some of the discounts listed above, click here to view.

When to get advice from a local insurance agent

A small number of people prefer to buy from a local agent and that is recommended in a lot of cases Good agents can make sure you are properly covered and help file insurance claims. The best thing about getting online price quotes is that you can find cheap rate quotes and also buy local.

To help locate an agent, after submitting this form (opens in new window), your information is transmitted to local insurance agents who will give you bids and help you find cheaper coverage. There is no need to leave your computer as quotes are delivered immediately to your email address. If you need to quote rates from a specific insurance company, you can always go to their quote page and give them your coverage information.

Deciding on an company needs to be determined by more than just a cheap price. Any good agent should know the answers to these questions.

• How long has their agency been open?
• Can they help ensure a fair claim settlement?
• Is every driver in your family covered?
• Do they regularly work with personal auto policies?
• Will high miles depreciate repair valuations?
• Where would glass claims be handled?

To make it easy to view a list of agents in your state to contact, you can view this complete selection of insurance agents in your state.

After getting satisfactory answers to your questions and an acceptable price quote, most likely you have located an insurance company that is reliable enough to properly service your car insurance policy.

Cheaper car insurance rates are out there

When searching for , never sacrifice coverage to reduce premiums. In many instances, an insured cut uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at a price you can afford and still be able to protect your assets.

Discount Ford Tempo insurance is available online as well as from independent agents in your state, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not offer the ability to get quotes online and most of the time these regional carriers work with local independent agencies.

You just learned a lot of techniques to get a better price on Ford Tempo insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding . Drivers may discover the biggest savings come from the least-expected company.