There are many options when insurance shopping for your vehicle. You can buy direct from a local agent or go online to check prices from car insurance companies. Finding cheaper auto insurance from online rate quotes can be fast and easy and there is a good chance you might just save a little.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of auto insurance companies vying for your business. Cutting your doesn't have to be difficult. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Auto insurance rates for a 1994 can be significantly different depending on several factors. Some of these factors include:

• Higher performance 1994 vehicles cost more
• How many accidents you have had
• Home/auto policy bundles save money
• Use of your vehicle
• Extra coverages like towing and rental
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so the cost to replace them may end up costing you more. Conversely, more recent vehicles may have a trim level with safety features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system that may help give discounted rates.

Liability insurance - This coverage will cover damage that occurs to other people or property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision - This will pay to fix damage to your caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in. 1994 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.