Drivers have lots of options when trying to insure your vehicle. You can buy direct from a local agent or shop online to check prices from many different companies. Shopping for car insurance from online companies is easy, plus you might just save a little.

Consumers not familiar with buying insurance may think finding affordable 1992 insurance can be quite difficult. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The quickest method to find competitive consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by...

Auto insurance rates paid to insure a 1992 can fluctuate considerably based upon several criteria. Including but not limited to:

• The performance level of your 1992
• Accidents raise premiums
• Whether you insure your home with the same company
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the costs to repair will push premiums down. Conversely, more recent vehicles may have a trim level with safety features such as lane departure warning system, dual-stage airbags, and sideview assist mirrors which may give discounted rates.

Liability coverage

Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.