You have many choices when buying insurance for your vehicle. You can buy from your neighborhood insurance agent or shop online to compare rates from many different car insurance companies. Comparing car insurance through online rate quotes is easy, in addition you will probably save money.

Beginners to comparing rates may think finding affordable 1993 insurance is going to be difficult. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The recommended way to compare involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 1993 can fluctuate considerably based upon several criteria. A few of these criteria are:

• The performance level of your 1993
• Accidents raise premiums
• Home and auto can earn discounts
• How you use your vehicle
• Mature drivers pay less
• Whether you are married
• Optional coverages like vehicle replacement
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a much lower replacement value so the costs to repair will push premiums down. But new models may have options including dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which may lower rates.

Auto liability - Liability insurance provides protection from injuries or damage you cause to a person or their property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage - This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.