There are many options when insurance shopping for your vehicle. You can buy from an insurance agent or get quotes online to compare insurance costs of lots of different providers. Buying car insurance through online providers saves time, is easy to do and there is a good chance you may find lower rates.

Shopping online for car insurance can be a challenge if you are a beginner to quoting online. But don't be discouraged because we're going to show you how. The are a couple different ways of comparing rates from car insurance companies in your area. The easiest way to find the cheapest is to get quotes online. This can be accomplished by getting a quick quote here.

Insurance premiums on a 1994 can be significantly different and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• How many accidents you have had
• Multiple policies can save money
• Pleasure use vs. commuting use
• Your birth date
• Being married may save money
• Extra coverages like towing and rental
• Your job
• The amount of protection requested
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new models so the cost to replace them may end up costing you less. But newer vehicles have more advanced features including lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system that may help help offset higher rates.

Liability auto insurance - This can cover damage that occurs to people or other property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as large an amount as possible.

Collision - Collision insurance covers damage to your resulting from a collision with another car or object. You first must pay a 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 (Other than Collision) - This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance - Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and may carry a deductible.