Shopping for car insurance from online companies saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is to compare rates from all providers so you can compare all your choices.

Comparing car insurance rates direct online can be difficult if you are a beginner to online rate quotes. But relax because we're going to show you how. The are a couple different ways to compare rate quotes from car insurance companies in your area. The fastest way to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by these things

Insurance premiums paid to insure a 1994 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Where you reside can make a big difference
• Annual mileage can affect rates
• Male drivers pay higher rates
• Higher deductibles save money
• Crash test rating for your 1994
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so the costs to repair may end up costing you less. But new models have more advanced features including an advanced theft deterrent system, all-wheel drive, and traction control so those may provide discounts that lower premiums.

Liability coverage

This provides protection from damage or injury you incur to a person or their property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to 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 lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.