Buying car insurance through online providers saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to take the time to get rates from as many companies as possible in order to have the cheapest rate quotes.

Shopping online for car insurance is challenging if you are a beginner to online quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes and find the best price. The recommended way to compare is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors determine your insurance rates?

Insurance rates for your 1993 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your profession
• Insurance coverage level
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a reduced actual cash value so the payout to repair may end up costing you less. Although new models may have options included like active head restraints, an advanced theft deterrent system, and lane departure warning system which can lower rates.

Liability auto insurance - This provides protection from damages or injuries you inflict on other's property or people in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your 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 vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical expense insurance - Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is not universally available and gives slightly broader coverage than med pay.