Drivers have lots of options when looking for the best insurance on your vehicle. You can either contact a local agent or shop online to check prices from companies. Finding cheaper auto insurance by quoting online is easy, plus you might just save a little.

Consumers who are new to the process of buying insurance may think finding low-cost 1993 insurance is hard. Reducing your is a fairly straight forward process. All that's required is to spend a few minutes on the computer to get quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by these things

Auto insurance rates on a 1993 can fluctuate considerably based upon several criteria. Including but not limited to:

• The performance level of your 1993
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• No coverage lapses saves money
• Home ownership saves money

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so repair costs are higher which may result in higher rates. Conversely, new models may have a trim level with safety features such as dual-stage airbags, sideview assist mirrors, and active head restraints which may give discounted rates.

Liability coverages

Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. 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 protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage for your 1993 can be pricey, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive coverages

This coverage 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 auto insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance program or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.