Shopping for auto insurance through online rate quotes saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is getting rates from all companies so you can get the cheapest rate quotes.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. Finding lower can be surprisingly simple. You just have to spend a little time getting comparison quotes online from several insurance companies. This is very easy and can be done by completing this short form.

Car insurance premiums on a 1993 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 1993
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so the costs to repair may end up costing you more. But newer vehicles may have safety features including dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors that may help give discounted rates.

Auto liability - This can cover damage that occurs to people or other property by causing an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage - Collision coverage covers damage to your resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1993 can be pricey, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.