You have lots of choices when looking for the best insurance on your vehicle. You can either buy through an agent or price shop online to compare insurance costs of companies. Buying auto insurance by quoting online is simple to do and at the same time you can save money.

Shopping online for auto insurance is challenging if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. Reducing your is a fairly straight forward process. All that's required is to spend a few minutes on the computer getting comparison quotes online with multiple companies. This can be accomplished by getting a quick quote here.

What influences the rate you pay?

Car insurance premiums on a 1993 will vary greatly subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Models that are new cost more than older models so the payout to repair will push premiums up. But newer vehicles may have safety features including dual-stage airbags, sideview assist mirrors, and active head restraints so those may help offset higher rates.

Liability coverages

1993 liability coverage can cover damages or injuries you inflict on people or other property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage protection

Collision insurance covers damage to your resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 1993 can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.