Shopping for car insurance on the web can be fast and easy and at the same time you might just save a little. The most important part is to get as many rate quotes as possible in order to have every possible rate.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The best way to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence ?

Auto insurance rates for a 1991 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Where you reside can make a big difference
• How many miles you drive
• Male rates may be higher
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so repair costs tend to be lower which may result in lower rates. But newer vehicles may have a trim level with safety features including a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which may lower rates.

Liability car insurance

This coverage can cover damages or injuries you inflict on other people or property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverage protection

Collision coverage covers damage to your caused by collision with an object or car. A deductible applies then your collision coverage will kick in. 1991 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.