Finding cheaper auto insurance from online companies can be fast and easy, in addition you might just save a little. The most important part is to take the time to get rates from all companies in order to have the best prices.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of companies vying for your business. Finding a better price on auto insurance is actually quite simple. Consumers just need to spend a few minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine insurance rates

Auto insurance rates on a 1995 can vary widely depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Claims drive up premiums
• No coverage lapses saves money
• Owning a home can lower rates

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so the cost to replace them can inflate annual premiums. Conversely, more recent vehicles may have a trim level with safety features such as autonomous braking, dual-stage airbags, and sideview assist mirrors which can lower rates.

Liability coverage - This coverage will cover injuries or damage you cause to people or other property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverages - This will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 1995 can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage - This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.