Drivers have lots of options when attempting to insure your vehicle. You can buy direct from an agent or go online to check prices from many different auto insurance companies. Buying auto insurance through online rate quotes can be fast and easy, plus you can save money.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies offering insurance. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished by completing this short form.

Rates are impacted by...

Car insurance premiums for a 1992 can fluctuate considerably depending on several factors. Including but not limited to:

• Higher performance 1992 vehicles cost more
• Accidents raise premiums
• Multiple policies can save money
• Use of your vehicle
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so the cost to replace them may result in higher rates. Conversely, more recent vehicles may have safety features such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which may give discounted rates.

Auto liability

This coverage will cover damage or injury you incur to other people or property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. 1992 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance program or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.