Comparing car insurance by getting online quotes can be fast and easy and at the same time you might just save a little. The most important part is to take the time to get rates from all companies in order to have the lowest priced insurance.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The best method to compare involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence your insurance rates?

Auto insurance rates on a 1990 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so the cost to replace them may result in lower rates. Conversely, newer models may have a trim level with safety features such as lane departure warning system, pedestrian detection, and tire pressure monitors which can lower rates.

Liability - This coverage protects you from damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage - This coverage pays for damage to your resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 1990 can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical costs insurance - Med pay and PIP coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.