Shopping for car insurance through online providers can be fast and easy, plus you might just save a little. The most important part is to compare rates from all providers in order to have every company's rates.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The simplest method to compare consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by the following

Auto insurance rates paid to insure a 1994 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Where you reside can make a big difference
• Annual mileage can affect rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 1994
• 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 the costs to repair may result in lower rates. But newer vehicles may have a trim level with safety features including tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control so those may lower rates.

Liability auto insurance

This coverage can cover damage or injury you incur to a person or their 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.

Coverage for collisions

Collision coverage covers damage to your from colliding with a stationary object or other vehicle. You have to 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. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays for 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 it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability 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.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.