You have many choices when insurance shopping for your vehicle. You can either buy through an agent or price shop online to compare rates from car insurance companies. Shopping for car insurance from online rate quotes is simple to do, in addition you can save money.

Comparing car insurance rates direct online can be complicated if you have never used online quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. The easiest way to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Car insurance premiums for a 1992 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• 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 repair costs tend to be lower which can decrease annual premiums. But new models may have safety features including an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which can lower rates.

Liability insurance - 1992 liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision - Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 1992 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive protection - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage - Medical payments and Personal Injury Protection insurance reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.