Finding cheaper auto insurance by quoting online saves time, is easy to do, plus you can save money. The key to finding lower rates is getting rates from all providers in order to have the best prices.

Finding the best direct price on auto insurance can be difficult if you are a beginner to quoting online. But relax because it's actually quite easy. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by the following

Car insurance premiums paid to insure a 1994 can be significantly different and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Better credit means lower rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 1994
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so the costs to repair may end up costing you more. But newer vehicles may have safety features including blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection that may help lower rates.

Liability coverages - This can cover damage or injury you incur to a person or their property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as large an amount as possible.

Collision coverages - This covers damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverages - This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - 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. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments - Coverage for medical payments and/or PIP kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.