There are many options when insurance shopping for your vehicle. You can buy direct from a local agent or go online to check prices from many different auto insurance companies. Comparing auto insurance through online rate quotes can be fast and easy and there is a good chance you might just save a little.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of online companies vying for your business. Cutting your can be surprisingly simple. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This can be done by completing this short form.

Auto insurance rates paid to insure a 1994 can be significantly different depending on several factors. Some of these factors include:

  • Higher performance 1994 vehicles cost more
  • How many accidents you have had
  • Home and auto can earn discounts
  • How you use your vehicle
  • Your age
  • Having a spouse can save money
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them may end up costing you more. But newer models may have a trim level with safety features including an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help give discounted rates.

Auto liability - This coverage protects you from damage that occurs to a person or their property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision - This coverage pays for damage to your from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.