There are many options when attempting to insure your vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare pricing from many different car insurance companies. Buying car insurance through online rate quotes saves time, is easy to do and there is a good chance you will probably save money.

Shopping online for car insurance can be a challenge if you are a beginner to online rate quotes. But don't be discouraged because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from different insurance companies. The fastest way to find the lowest is to get quotes online. This can be accomplished by visiting this page.

Insurance rates on a 1993 will vary greatly and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Your accident history
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Young drivers cost more
  • Being married can lower rates
  • Extra coverages like towing and rental
  • Your profession
  • The level of coverage
  • Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models cost less so the cost to replace them may end up costing you less. Conversely, more recent vehicles may have options such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights so those may provide discounts that lower premiums.

Auto liability

This will cover damage that occurs to people or other property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1993 can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.