There are many options when buying insurance for your vehicle. You can get prices from an insurance agent or get quotes online to compare rates from a lot of auto insurance companies. Finding cheaper auto insurance through online companies saves time, is easy to do and there is a good chance you may find lower rates.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. Finding lower is not a difficult process. You just have to spend a little time to compare quotes online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

Insurance premiums on a 1991 will vary greatly and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Your age
• Whether you are married
• Extra coverages like towing and rental
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older models so the costs to repair will push premiums up. Although newer models have more advanced features included like adaptive cruise control, pedestrian detection, and lane departure warning system so those may lower rates.

Coverage for liability - This protects you from damage that occurs to people or other property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Collision coverage - This pays for damage to your resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1991 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments - Med pay and PIP coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP coverage is not available in all states and gives slightly broader coverage than med pay.