Drivers have lots of options when shopping for insurance coverage for your vehicle. You can get prices from a local agent or go online to check prices from a lot of auto insurance companies. Buying auto insurance through online companies can be fast and easy, plus you might just save a little.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies vying for your business. Getting better is not a difficult process. Just take time to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

Rates are impacted by...

Auto insurance rates for a 1991 can vary widely depending on several factors. Including but not limited to:

  • Higher performance 1991 vehicles cost more
  • Any accidents you may have
  • 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
  • Claims drive up premiums
  • Having current coverage saves
  • Home ownership saves money

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the cost to replace them can inflate annual premiums. On the flip side, more recent vehicles may have a trim level with safety features like tire pressure monitors, traction control, and adaptive cruise control which can give discounted rates.

Coverage for liability - This coverage will cover damage or injury you incur to other people or property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage - Collision insurance will pay to fix damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible 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. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout 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.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

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