Texas consumers have a choice when looking for the lowest priced Ford Tempo insurance. You can either waste hours contacting agents trying to get quotes or use the internet to make rate comparisons. There is a right way and a wrong way to shop for auto insurance so you’re going to learn the quickest way to quote coverages for a new or used Ford and find the cheapest rates.
It’s a good habit to shop coverage around quite often because rates trend upward over time. Even if you think you had the best deal on Tempo insurance last year you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about auto insurance because you’re about to learn the best methods to find lower rates on auto insurance.
Do you qualify for discounts?
Auto insurance companies do not advertise all available discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit possible, you’re just leaving money on the table.
- Senior Discount – Mature drivers may receive better auto insurance rates on Tempo insurance.
- Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing online.
- New Car Discount – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
- Military Rewards – Having a deployed family member can result in better rates.
- Federal Employees – Simply working for the federal government could cut as much as 10% off on Tempo insurance depending on your company.
- Multi-car Discount – Having more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.
To choose insurance companies with the best auto insurance discounts in Texas, click here.
Comprehensive Texas Auto Insurance Comparison Quotes
Most major insurance companies give price estimates on their websites. Getting quotes is pretty easy as you just type in into the quote form. Upon sending the form, the company’s rating system automatically retrieves your driving record and credit report and quotes a price based on many factors.
This streamlines rate comparisons, but having to visit different websites and enter the same data into a form can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes in order to find better prices.
The quickest way to find better auto insurance pricing is to use a quote form to obtain quotes from more than one company. This type of form saves time, requires much less work on your part, and makes comparison shopping much simpler. After your information is entered, it gets priced and you can choose any one of the resulting price quotes. If a lower price is quoted, it’s easy to complete the application and purchase coverage. It only takes a few minutes and could lower your rates considerably.
To find out how much you’re overpaying now, click here to open in new window and submit the form. To compare your current rates, we recommend you complete the form with exactly as shown on your declarations page. Doing this guarantees you will get comparison quotes using the same coverage and limits.
Factors influencing Ford Tempo insurance rates
It’s important that you understand the different types of things that come into play when calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that could result in lower auto insurance prices.
The list below includes a few of the “ingredients” auto insurance companies consider when setting premiums.
- Better credit scores mean better rates – Credit rating is a big factor in your rate calculation. People with high credit scores tend to be more responsible than drivers who have lower credit scores. Therefore, if your credit history can use some improvement, you could be paying less to insure your Ford Tempo by repairing your credit.
- Small claims can cost you – Car insurance companies in Texas generally give better rates to drivers who do not file claims often. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance is designed for larger claims.
- A clean driving record saves money – Your driving citation history has a huge affect on how much you pay. Just one moving violation can increase rates twenty percent or more. Good drivers have lower premiums than bad drivers. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state DMV in order to continue driving.
- The type of vehicle makes a difference – The performance of the vehicle you are insuring makes a huge difference in determining your rates. Due to the fact that the Ford Tempo is classified as a passenger car, insurance will be similar in price or lower than the average rate where you live. Economy passenger vehicles generally have the cheapest insurance rates, but the final cost of insurance is determined by many other factors.
- Men are more aggressive – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men cause accidents in similar percentages, but the male of the species cause more damage. Men also tend to have more aggressive citations such as DWI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
- Pleasure use saves money – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on how the vehicle is used. Cars not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your auto insurance policy is rated on the correct driver usage, because it can save money. Incorrect usage on your Tempo can cost quite a bit.
- Your auto insurance rates can be influenced by your job – Jobs such as doctors, business owners and financial analysts tend to pay higher average rates due to high stress levels and lots of time spent at work. Conversely, professions such as actors, engineers and retirees have the lowest average rates on Tempo insurance.
Don’t assume everyone needs the same coverage
When buying coverage, there is no “best” method to buy coverage. Each situation is unique.
Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.
- Is rental equipment covered for theft or damage?
- Should I file a claim if it’s only slightly more than my deductible?
- Am I covered when delivering products for my home-based business?
- Do I need added coverage for expensive stereo equipment?
- Why am I required to get a high-risk car insurance policy?
- What is the minimum liability in Texas?
- Is my Ford Tempo covered for smoke damage?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.
More effort can pay off
Insureds switch companies for a number of reasons such as poor customer service, an unsatisfactory settlement offer, questionable increases in premium and even not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company can be pretty painless.
We covered a lot of techniques to reduce Ford Tempo insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from the smaller companies.
Discount Ford Tempo insurance can be bought from both online companies as well as from independent agents in Texas, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
Texas auto insurance information
More tips and info about auto insurance can be found at the Texas Department of Insurance website. Texas consumers can read consumer alerts, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and find out which companies have the most complaints.
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