You have many choices when shopping for insurance coverage for your vehicle. You can either buy through an agent or get quotes online to compare insurance costs of many different car insurance companies. Shopping for car insurance through online rate quotes saves time, is easy to do, in addition you can save money.

Comparing car insurance rates direct online can be complicated if you are a beginner to online quoting. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes from different insurance companies. The best method to find the cheapest consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your 1991 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Your age
• Being married may save money
• Optional coverages like vehicle replacement
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so the payout to repair may end up costing you less. Conversely, newer models may have safety features such as an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which may help offset higher rates.

Auto liability - This protects you from injuries or damage you cause to other's property or people by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage - Collision coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies 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 older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, 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 limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage - Med pay and PIP coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. PIP coverage is not available in all states and may carry a deductible.