Buying auto insurance by comparing rates online can be fast and easy, plus you may find lower rates. The most important part is to compare rates from as many companies as possible so you can get the lowest prices.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites selling insurance. Cutting your can be quick and easy. Drivers just need to take a couple of minutes to compare quotes provided by online insurance companies. This can be accomplished by completing this short form.

Rates are impacted by these factors

Insurance premiums for your 1994 will vary greatly depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Your credit history
  • Your gender can raise or lower rates
  • Low deductibles cost more
  • Crash test rating for your 1994
  • Whether or not you have claims
  • Having current coverage saves
  • Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older models so the cost to replace them will push premiums up. On the flip side, newer models have more advanced features like automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive so those may give discounted rates.

Auto liability insurance - This coverage protects you from damage or injury you incur to other's property or people in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as much as you can afford.

Collision - Collision insurance pays for damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists 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. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.