You have lots of choices when looking for the best insurance on your vehicle. You can either contact an agent or get quotes online to compare insurance costs of insurance carriers. Finding cheaper car insurance by getting online quotes saves time, is easy to do and at the same time you can save money.

Finding the best direct price on car insurance is challenging if you are a beginner to online quotes. But don't be discouraged because it's actually quite easy. There are several ways to compare quotes and find the best price. The best way to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine your insurance rates?

Car insurance premiums on a 1993 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the cost to replace them may end up costing you less. Although newer models may have safety features included like blind-spot warning system, dual-stage airbags, and automatic crash notification which can help offset higher rates.

Liability

This protects you from damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy higher limits if possible.

Collision coverage protection

This pays for damage to your resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1993 can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP coverage is not available in all states and may carry a deductible.