Finding cheaper car insurance through online companies saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to compare rates from as many companies as possible so you can compare the cheapest rate quotes.

Finding the best direct price on car insurance is challenging if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. The are a couple different ways of comparing rates from car insurance companies in your area. The recommended way to find the lowest is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Insurance premiums for your 1991 will vary greatly and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the payout to repair may end up costing you less. But newer vehicles have more advanced features including adaptive cruise control, pedestrian detection, and lane departure warning system so those may provide discounts that lower premiums.

Coverage for liability - This can cover damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Collision coverage - This covers damage to your resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers 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 should not be overlooked.

Insurance for medical payments - Coverage for medical payments and/or PIP kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.