Finding cheaper auto insurance through online companies can be fast and easy and at the same time you may find lower rates. The most important part is to take the time to get as many rate quotes as possible in order to accurately compare every company's rates.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of auto insurance companies selling insurance. Getting lower is not a difficult process. The only thing you need to do is invest a little time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence your insurance rates?

Insurance premiums for a 1991 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• The size of your community
• How many miles you drive
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the cost to replace them can inflate annual premiums. But more recent vehicles have more advanced features including adaptive cruise control, autonomous braking, and lane departure warning system which can help offset higher rates.

Coverage for liability

This coverage will cover damages or injuries you inflict on other people or property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy higher limits if possible.

Coverage for collisions

This will pay to fix damage to your caused by collision with an object or car. 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 lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and may carry a deductible.