You have lots of choices when shopping for insurance coverage for your vehicle. You can either contact an insurance agent or price shop online to compare pricing from a lot of auto insurance companies. Comparing auto insurance through online companies is simple to do and at the same time you may find lower rates.

Using the web to shop for auto insurance direct is challenging if you have never used online rate quotes. But don't be discouraged because we're going to show you how. Getting better is not a difficult process. Just take time to compare quotes online with multiple companies. This can be done by visiting this page.

What influences the rate you pay?

Insurance premiums on a 1991 will vary greatly subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Your age
• Being married can lower rates
• Special coverage such as replacement cost
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older models so the payout to repair will push premiums up. But newer models have more advanced features including tire pressure monitors, traction control, and adaptive cruise control so those may provide discounts that lower premiums.

Coverage for liability - 1991 liability coverage protects you from damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage - This coverage pays for damage to your resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1991 can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when the "other guys" do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments - Med pay and PIP coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.