You have many choices when shopping for insurance coverage for your vehicle. You can buy direct from a local agent or go online to compare insurance costs of multiple insurance companies. Shopping for auto insurance on the web can be fast and easy, in addition you might just save a little.

If shopping for auto insurance online is new to you, you may be confused by the hoards of auto insurance companies vying for your business. Getting better isn't really that difficult. Just take time to get quotes provided by online insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Auto insurance rates for a 1992 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 1992 vehicles cost more
• How many accidents you have had
• Whether you insure your home with the same company
• Use of your vehicle
• Your age
• Being married may save money
• Optional coverages like vehicle replacement
• Claims drive up premiums
• No coverage lapses saves money
• Owning a home can lower rates

A final factor that will help determine is the model year. Models that are new have a higher replacement value in comparison to later models so the cost to replace them may end up costing you more. Conversely, newer models may have a trim level with safety features such as dual-stage airbags, a telematics system, and pedestrian detection that may help help offset higher rates.

Liability car insurance - This coverage protects you from injuries or damage you cause to other people or property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - Collision coverage pays for damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. 1992 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto insurance - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses - Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and may carry a deductible.