Drivers have lots of options when shopping for car insurance for your vehicle. You can either buy through a local agent or go online to compare insurance costs of a lot of car insurance companies. Shopping for car insurance through online companies can be fast and easy, plus you might just save a little.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. By far the easiest way to find the cheapest consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by...

Auto insurance rates for a 1991 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 1991 vehicles cost more
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• Young drivers cost more
• Being married may save money
• Add-on coverages such as rental reimbursement
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so repair costs tend to be lower which may result in lower rates. But more recent vehicles may have a trim level with safety features including a telematics system, a collision avoidance system, tire pressure monitors, and traction control so those may help offset higher rates.

Coverage for liability

This coverage will cover damage or injury you incur to other people or property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. 1991 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that 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 important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and may carry a deductible.