You have lots of choices when trying to insure your vehicle. You can buy direct from an insurance agent or get quotes online to compare insurance costs of multiple insurance companies. Finding cheaper car insurance on the web saves time, is easy to do and at the same time you may find lower rates.

Finding the best direct price on car insurance is challenging if you are a beginner to online quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes from car insurance companies in your area. The quickest method to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine your insurance rates?

Insurance premiums on a 1994 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Young drivers cost more
• Being married may save money
• Special coverage such as replacement cost
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the cost to replace them may end up costing you less. But more recent vehicles have more advanced features including adaptive cruise control, sideview assist mirrors, and tire pressure monitors which can help offset higher rates.

Liability car insurance

This will cover damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Collision coverage

This will pay to fix damage to your resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 1994 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.