You have lots of choices when trying to find low-cost insurance for your vehicle. You can either buy through an insurance agent or go online to check prices from multiple insurance companies. Shopping for auto insurance on the web can be fast and easy and at the same time you may find lower rates.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of online auto insurance companies and websites selling insurance. Getting lower isn't really that difficult. The only thing you need to do is invest a little time to compare quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Which factors influence the rate you pay?

Insurance premiums for your 1995 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 1995 vehicles cost more
• Your accident history
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Young drivers cost more
• Having a spouse can save money
• Special coverage such as replacement cost
• Whether or not you have claims
• Having current coverage saves
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so the cost to replace them will push premiums up. On the flip side, more recent vehicles have more advanced features like lane departure warning system, a telematics system, and a collision avoidance system so those may give discounted rates.

Liability car insurance

This coverage will cover damages or injuries you inflict on other's property or people by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount 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.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.