Finding cheaper car insurance through online providers can be fast and easy and at the same time you might just save a little. The most important part is to get rates from all providers so you can get the lowest rate quotes.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. By far the easiest way to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

Which factors influence ?

Auto insurance rates paid to insure a 1994 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the costs to repair may result in lower rates. Conversely, more recent vehicles may have a trim level with safety features such as forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification which may give discounted rates.

Liability auto insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision insurance

This will pay to fix damage to your from colliding with an object or car. A deductible applies then your collision coverage will kick in. This coverage can be expensive, 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 (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This 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 limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to cover expenses not covered by your health insurance program 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.