Finding cheaper auto insurance by quoting online is easy and there is a good chance you can save money. The key is to get rates from as many companies as possible so you can get every possible rate.

Consumers who are new to the process of shopping for insurance may think finding cut-rate 1994 insurance is hard. Reducing your is a fairly straight forward process. All that's required is to spend a few minutes on the computer getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Car insurance premiums for your 1994 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• The size of your community
• High miles vs. low miles
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 1994
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so repair costs are higher which may result in higher rates. Conversely, newer vehicles may have safety features such as dual-stage airbags, sideview assist mirrors, and active head restraints which may give discounted rates.

Liability coverages

Liability insurance can cover damage that occurs to other's property or people that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage protection

This covers damage to your resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance program or if you do not have health coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.