Comparing auto insurance from online rate quotes can be fast and easy, plus you might just save a little. The most important part is to take the time to get rates from all providers so you can compare all possible prices.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online companies vying for your business. Finding cheaper coverage prices doesn't have to be difficult. All you need to do is take the time to get quotes provided by online insurance companies. This can be done by visiting this page.

Rates are determined by...

Auto insurance rates paid to insure a 1995 can vary widely depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• Higher deductibles save money
• Crash test rating for your 1995
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the cost to replace them can inflate annual premiums. On the flip side, more recent vehicles may have a trim level with safety features like active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors which can provide discounts that lower premiums.

Liability insurance

This coverage will cover damage or injury you incur to a person or their property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision protection

This coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.