You have lots of choices when buying insurance for your vehicle. You can either buy through your neighborhood insurance agent or price shop online to compare insurance costs of lots of different providers. Shopping for auto insurance through online providers is simple to do and at the same time you will probably save money.

Comparing auto insurance rates direct online is challenging if you have never used online quotes. But don't let that discourage you because there is an easy way to compare rates. Finding lower is surprisingly easy. You just have to spend a little time comparing rates online with multiple companies. This is very easy and can be done by getting a quick quote here.

What influences your insurance rates?

Insurance rates for a 1994 can vary widely subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Your birth date
• Being married may save money
• Special coverage such as replacement cost
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Models that are new have a higher replacement value so the payout to repair can inflate annual premiums. But newer vehicles may have options including active head restraints, an advanced theft deterrent system, and lane departure warning system which can help offset higher rates.

Liability auto insurance - 1994 liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision coverage - Collision coverage covers damage to your caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 1994 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision) - Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This provides protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance - Coverage for medical payments and/or PIP reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.