Drivers have lots of options when shopping for car insurance for your vehicle. You can buy direct from an insurance agent or get quotes online to compare rates from many different car insurance companies. Finding cheaper car insurance through online rate quotes saves time, is easy to do, plus you may find lower rates.

Finding the best direct price on car insurance can be difficult if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. The are a couple different ways of comparing rates from local car insurance companies. By far the easiest way to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by the following

Insurance premiums for your 1990 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Your birth date
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your job
• Your coverage level
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so the payout to repair may end up costing you less. On the flip side, newer vehicles have more advanced features like adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance so those may lower rates.

Auto liability

This can cover damage or injury you incur to other's property or people that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Collision insurance

This covers damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.