You have lots of choices when trying to insure your vehicle. You can get prices from a local agent or get quotes online to compare insurance costs of a lot of car insurance companies. Shopping for car insurance through online companies saves time, is easy to do and at the same time you might just save a little.

Comparing car insurance rates direct online is challenging if you are a beginner to quoting online. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The quickest method to find the cheapest consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine car insurance premiums?

Auto insurance rates paid to insure a 1993 can be significantly different and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• How many accidents you have had
• Whether you insure your home with the same company
• How you use your vehicle
• Your age
• Being married may save money
• Special coverage such as replacement cost
• What you do for a living
• Your coverage level
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the costs to repair may end up costing you less. On the flip side, newer models may have a trim level with safety features like a telematics system, adaptive cruise control, and traction control that may help help offset higher rates.

Coverage for liability

This protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage

Collision coverage pays for damage to your from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states and may carry a deductible.