You have lots of choices when shopping for insurance coverage for your vehicle. You can get prices from an insurance agent or price shop online to compare rates from multiple insurance companies. Finding cheaper car insurance on the web is simple to do and at the same time you may find lower rates.

Finding the best direct price on car insurance is challenging if you have never used 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 best method to compare is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

What influences the rate you pay?

Insurance premiums paid to insure a 1995 will vary greatly subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• How you use your vehicle
• Mature drivers pay less
• Whether you are married
• Special coverage such as replacement cost
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the costs to repair can decrease annual premiums. But new models have more advanced features including dual-stage airbags, a telematics system, and pedestrian detection so those may lower rates.

Liability car insurance - 1995 liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage - This pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive car insurance - This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.