Buying auto insurance through online companies is easy and there is a good chance you can save money. The key is to compare rates from all companies so you can get the lowest priced insurance.

People who are new to shopping for insurance may think buying low-cost 1994 insurance is difficult. Getting better is not a difficult process. Just take time getting comparison quotes from different insurance companies. This can be accomplished by completing this short form.

Car insurance premiums on a 1994 will vary greatly based upon several criteria. Some of these factors include:

• Your driving record
• Your credit history
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 1994
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so repair costs are higher which will push premiums up. But newer models may have safety features including tire pressure monitors, traction control, and adaptive cruise control so those may give discounted rates.

Coverage for liability - Liability insurance protects you from damage that occurs to people or other property in an accident. Liability insurance covers 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 much as you can afford.

Collision coverage - Collision insurance pays for damage to your resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 1994 can be pricey, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This 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 maximum amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments - Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.